| 01/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Santander Consumer USA is holding my vehicle unlawfully and refuses to disclose the location of my vehicle. I am the Bona fide Lien Holder of the vehicle. I have the physical possession of the title, and the lien satisfaction letter. Santander Consumer USA is trying desperately to avoid detection by the CFPB regarding numerous violations. On XX/XX/XXXX, Santander Consumer USA unlawfully repossessed my vehicle. I financed my vehicle through Gateway One Lending & XXXX. Santander USA has never been my lien-holder. Santander acquired Gateway One in XX/XX/XXXX. I later discovered thru XXXX report, Lien with Gateway One satisfied on XX/XX/XXXX. Santander Consumer USA assigned XXXX XXXX XXXX to do the Repo. XXXX XXXX assigned XXXX XXXX XXXX ( XXXX ) to do tow recovery. Notably, XXXX tow driver initially reported to his employer XXXX, XXXX XXXX and Santander that he retrieved the vehicle from XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. But the Repossession Notification indicated that tow agent recovered vehicle on XX/XX/XXXX at XXXX pm. Tow driver also reported that police were notified of the tow on XX/XX/XXXX. And it was not until after I spoke with XXXX Compliance ( XXXX XXXX on XXXX, did XXXX on XXXX call police dispatch and change the location of where the tow driver reported the vehicle was recovered. On XXXX, XXXX ( XXXX XXXX stated that tow driver reported that he towed the vehicle from XXXX XXXX XXXX at XXXX pm. And XXXX was surprised to discover that vehicle was not recovered from that location. XXXX asked for the address and I informed that vehicle taken from a restaurant parking lot. Also, I informed that there was a breach of the peace on XX/XX/XXXX. XXXX ( XXXX XXXX confirmed that tow agent did not report there was an altercation in the restaurant parking lot on XX/XX/XXXX. Also, on XXXX, earlier that day, I spoke with Santander USA and XXXX XXXX who both said that XXXX tow driver reported vehicle taken from XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. Also, both Santander and XXXX said the tow driver did not notify of the breach of the peace that occurred on XX/XX/XXXX. Both Santander and XXXX said that tow agent reported that he notified police on XX/XX/XXXX. In response to the breach of the peace, Santander said in its CFPB response dated XX/XX/XXXX, It had no control over the policy or procedures of the repossession vendor, nor can we, confirm any of the actions, or comments mentioned in my statement against XXXX XXXX XXXX as they are a separate entity. However, on XX/XX/XXXX. XXXX of the Executive Office called and said she was informed of the altercation between the tow agent and me. XXXX asked and I confirmed that a police report for a stolen vehicle was filed on XX/XX/XXXX. XXXX said that she would send a claim packet so that I could make a claim against XXXX XXXX and the tow agent XXXX XXXX XXXX XXXX, XXXX ). But Santanders Executive Office ( aka so-called internal legal department XXXX never sent the claim packet. Also, notably, when asked, XXXX said that they did not have an internal legal department. Santanders Executive Office was complicit in the coverup of the breach of the peace and unlawful tow. XXXX said in its CFPB response dated XX/XX/XXXX, After the repossession was complete and the vehicle was on hook and the driver was leaving the parking lot, that it noticed someone yelling, but could not ascertain to whom the person was calling. But during the call dated XX/XX/XXXX, XXXX Compliance ( XXXX XXXX said the driver reported that he informed me that it was a repossession and left automatically. I said I never had a conversation with the tow driver. And had I been informed of a repossession, I would not have made a stolen vehicle report on XX/XX/XXXX. XXXX retorted there was another person with me. How would XXXX know this if the tow driver reported earlier to his employer XXXX and XXXX XXXX that he never had any contact with me? I asked XXXX if police were called and XXXX hesitantly said the police were called on XX/XX/XXXX. I said the XXXX XXXX Police Incident Detail Report showed that police dispatch were notified on XXXX. Caught in a LIE, XXXX requested that I email the Incident Report to her. On XXXX XXXX tow agent reported to XXXX XXXX Police Dispatch that he towed/recovered my vehicle from XXXX Restaurant XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX pm, giving the appearance that he towed the vehicle on that day. Totally contradicting his earlier report that he took the vehicle from XXXX XXXX on XX/XX/XXXX at XXXX pm. Note : The tow occurred on XX/XX/XXXX, not on XXXX. So, this tow agent, his employer XXXX, XXXX XXXX and Santander USA had my vehicle in their unlawful possession for XXXX ( XXXX ) days before the tow was reported to police dispatch. The Incident Detail Report also noted the discrepancy that tow Occurred on XX/XX/XXXX, but tow driver called in today ( XX/XX/XXXX ), XXXX days later than what tow driver reported to XXXX, XXXX and Santander. XXXX, XXXX XXXX and Santander had my vehicle in their unlawful possession for 5 days before the tow agent reported on XXXX. And my vehicle continued to be in their unlawful possession since their actions violated city, state and federal laws. And on XX/XX/XXXX, Santander secretly and maliciously transported my vehicle across state line for auction. On XX/XX/XXXX XXXX checked the VIN and noted that I am the Title Holder and Gateway One the loan originator. Neither XXXX XXXX nor XXXX checked the VIN before they assigned and/or executed the repossession. On XXXX, after I advised the XXXX tow yard manager ( XXXX ) that tow driver falsely reported where he retrieved the vehicle and he breached the peace, XXXX gave me the number for XXXX Compliance and advised that I call. XXXX said the tow driver was already in a little bit of trouble, and retorted you didnt hear that from me. I called XXXX Compliance and spoke with XXXX who noted the discrepancies in the tow drivers report. XXXX said she needed to do further investigation, and she would call back shortly. Two hours later I called back and noticeably XXXX had a different demeanor. After speaking with XXXX Compliance, I advised XXXX that I spoke with Compliance ( XXXX ). On XXXX, XXXX said the following : XXXX had not sent over RELEASE and she had informed her home office too, just to make sure. And they do, XXXX automatically uploads onto the system. So we just pull it, soon as it goes on it, we see it. And its not on it. So you may want to call XXXX and ask them wheres the RELEASE? XXXX said once she had that she could release it ( Vehicle ) to me no problem. So, on XXXX XXXX acknowledged that tow/repossession was unlawful and XXXX had XXXX lawful right to continue to hold my vehicle. But XXXX at the behest of Santander USA and XXXX XXXX refused to release my vehicle on XXXX. And on XXXX, XXXX XXXX, XXXX complicit with Santander Consumer USA covered up the unlawful repossession ( THEFT ) and the breach of the peace. And on XX/XX/XXXX XXXX XXXX at the behest of Santander USA transported the vehicle across state line to XXXX XXXX for auction. On XX/XX/XXXX, I faxed documents to Santander USA and XXXX showing that I am the owner of vehicle. I also spoke with XXXX XXXX who said it would not release vehicle until it received authorization from Santander. I also called XXXX to confirm receipt of the fax. I spoke with Compliance ( XXXX XXXX who was rude and exhibited XXXX overtones. XXXX said she would not release the vehicle until Santander told her to do so. I also called Santander on XX/XX/XXXX. Notably, the call disconnected twice. I spoke with XXXX of Santanders Executive Office who said that Santander was still reviewing the CFPB COMPLAINT filed on XX/XX/XXXX. XXXX asked for an additional 48 hours to review the complaint. XXXX said she would have a response by Tuesday XX/XX/XXXX. But I received no response to my CFPB complaint and on XX/XX/XXXX, Santander instructed XXXX XXXX to transport my vehicle across state line for auction. I did not receive any notice from Santander regarding auction location, date and time. Santander Lied on XX/XX/XXXX, to prevent me from getting my vehicle over the weekend. On XXXX, I filed a CFPB complaint. On XXXX, I received an encrypted secured message from XXXX of Santanders Executive Office. XXXX said, My name is XXXX and Im your resolution specialist here at Santander Consumer USA.
Could you please provide me the best phone number to reach you, as well as the best time to contact you. Please note that XXXX secured message was sent only two days after I filed the CFPB complaint dated XXXX.
On XX/XX/XXXX, I called XXXX direct extension and informed that he was unavailable. The call was transferred and I spoke with XXXX of Santanders Executive Office. XXXX said the feedback expressed that I wanted to speak to someone about an issue on the account. He said that XXXX reached out to get some further details of what that issue was and how we can assist you.
I said that was not my complaint. I did not reach out to Santander to provide or get any feedback. I made a CFPB complaint against Santander for violations, and Santander reached out to me. I filed a CFPB complaint on XX/XX/XXXX and received a secured message shortly after. I said I didnt know what feedback Santanders waiting on because I dont have any feedback to provide to them.
I noted in Santanders CFPB response dated XX/XX/XXXX, that Santander asserted, effectively XX/XX/XXXX, all titles held by Gateway were sent to Santander Consumer USA. Further, Santander said that when the account balance is satisfied, it will process the release of the title including removing the lien held by Gateway. Notably, Santander USA inadvertently admitted that the TitlXXXX was held by Gateway.
On XX/XX/XXXX I spoke with SC XXXX who said the Title was released to me on XX/XX/XXXX, and asked if I received the title. I said no and the agent asked me to confirm my special mailbox. The Agent confirmed that the title was sent to this address. XXXX noted that duplicate title sent on XX/XX/XXXX. I confirmed receipt of the duplicate title.
Agent said there was no need to be concerned about the original title since I had the duplicate title. XXXX said the original title voided since I had the duplicate, and that no one could do any thing with the original title. And on XX/XX/XXXX, I contacted XXXX. I said that I was informed by XXXX that my Title was previously sent to my XXXX XXXX XXXX I said that I never received the original title and asked if she would confirm the address where it was sent.
The XXXX Agent said that it was not sent to my XXXX XXXX XXXX it was sent to a NC address. I asked for the address, but she could not provide for privacy concerns. I retorted I am the owner of the vehicle ; you cant tell me where my title was sent? XXXX said you can request that information in writing. I said that I recently requested and received my XXXX History, but didnt see that information in there ( I later found that information in the report ).
She asked me to hold to speak to someone about getting this information. While holding, I remembered that XXXX Auction is in XXXX NC. I googled the address for XXXX and when XXXX returned, I asked her to confirm whether that was the address where my original title was sent? She said, Yes.
She asked if this was the address for the lien holder ( Gateway One ) who released the lien on XX/XX/XXXX? I said NO! Gateway One is in California. She retorted perhaps thats Santanders address? I said they are in Texas. I said thats the address for XXXX XXXX, the auction yard that held my vehicle from XX/XX/XXXX until it allegedly sold on XX/XX/XXXX.
Santander sent my Title to XXXX XXXX on XX/XX/XXXX. Both Santander and XXXX knew before and after receipt of that title that I am the lien holder of the Vehicle.
On XX/XX/XXXX, XXXX of the Executive Office also said that Santander was the lien holder until the vehicle was paid in full. I retorted, how can Santander claim to be the lien holder when Im standing here looking at my title?
XXXX said, you may have a copy of the title. There are different documents we can send out to customers for them to register the vehicle. I retorted that I received my title from SC XXXX. I am the owner of the vehicle. I just paid my taxes, and my insurance is current. I said that I spoke with XXXX who said they dont know anything about Santander or a repossession. XXXX said that I am the lawful owner of the vehicle. The lien was satisfied through Gateway One on XX/XX/XXXX.
XXXX apologized and said he would forward this info to XXXX, so he could review further. He apologized saying its showing one way in our system. And said that he definitely believed what I was saying. XXXX said theres obviously some type of discrepancy.
XXXX asked that I take a picture of the Title showing that vehicle or lien is under my name and there is no lien on the vehicle. Notably, Santander USA is still asking me to provide a copy of my title. XXXX said that XXXX could have that as part of his review to determine the next steps. I told XXXX that I would not get off this phone until I find out where my vehicle is. You ( Santander ) had my vehicle for five ( XXXX ) XXXX months. XXXX said the vehicle sold at auction.
I asked what the vehicle sold for? XXXX initially said {$15000.00}, and then pulled up more detailed info. XXXX placed me on hold so he could pull up the full breakdown. When the call resumed, XXXX apologized saying he misspoke. XXXX said the sales price showed {$25000.00}. XXXX confirmed there is no balance.
I asked for the deficiency letter. XXXX said there is no deficiency letter. I said if the vehicle sold, Santander should have provided a letter to me. XXXX said if a deficiency letter sent out, it would have been system generated. XXXX said that when he forwarded this info to XXXX, he would also request that XXXX obtain that Letter so he can send a copy directly to me. Notably, I never received this deficiency letter from XXXX.
I said that you should be able to pull that letter up now as we speak. I said I want you to pull that letter up and give me the breakdown of that letter. XXXX nervously said sure and placed me on another hold. When the call resumed, XXXX apologized, saying, he didnt show anything on file for a deficiency letter.
XXXX said since there is no deficiency balance, he didnt believe I would receive a deficiency letter. XXXX said that he would let XXXX know thats something Im looking for so he can find out if theres a document somewhere. I said if that vehicle sold, Santander is required to inform that vehicle was sold, including the date, and the amount it sold. XXXX said there is not a document here that he could reference. XXXX never called as requested or contacted me again.
I knew that Santanders Executive Office was trying to contain my issues within the Executive Office. I discovered an email address for Santanders CEO and Board of the Directors. I emailed both XXXX and Directors my concerns on XX/XX/XXXX, early Saturday morning.
And notably, on XXXX early Monday morning, I received an email and call from Santanders Attorney, XXXX XXXX XXXX. Attorney XXXX said that his firm has been asked to respond to my complaint against Santander. Attorney XXXX said that he tried calling me, but it went to voicemail. Attorney XXXX asked, Can you please let us know when you have time to have a brief call to help us better understand what your complaint is against Santander and what you are asking for?
I called Santanders Attorney and spoke with him for about an hour. He claimed that he had the complaint for about five hours, and didnt have much information from Santander . He asked if I would provide a copy of my title, lien satisfaction letter and XXXX report for the vehicle.
On XX/XX/XXXX, I emailed Santanders Attorney that I would not disclose these documents since Santander repossessed my vehicle and should already have the title to support that Santander had the lawful right to repossess and subsequently sell or dispose of the vehicle.
Notably, I received no response from Santanders Attorney. And on XX/XX/XXXX, I received a CFPB response indicating that Santander was unable to respond to my complaint dated XXXX through CFPB because it involves the same issue raised in a pending or prior litigation between the company and account holder.
Please note that on XX/XX/XXXX, I filed a CFPB complaint against Santander Consumer USA for which Santander responded by pretending to review the complaint for several days and on XX/XX/XXXX, Santander secretly had my vehicle transported across state line for auction.
On XX/XX/XXXX, I spoke with CFPB who informed that it was contacted by Santander on XX/XX/XXXX and that Santander stated it could not respond to my complaint for the reasons already stated. I told CFPB that Santander never properly addressed my complaint filed on XXXX.
I said that Santander has committed several violations and is desperately trying to avoid detection by the CFPB. CFPB noted that Santander Consumer USAs said its legal department would be responding directly to my complaint. Notably, as of date, I have not received any response from Santanders legal department. However, Santander USA sent correspondence dated XX/XX/XXXX, saying that it had received my request for protections afforded by Servicemembers Civil Relief Act ( SCRA ). Notably, I never requested any protections under XXXX. I retired from the military in XXXX, why would I request protections under the XXXX? Moreover, my vehicle was unlawfully repossessed by Santander Consumer USA on XX/XX/XXXX, and allegedly sold at auction on XX/XX/XXXX. So, how would the protections afforded by XXXX benefit me after repossession? On XX/XX/XXXX, I spoke with XXXX XXXX who appeared confused and asked if I requested these protections? Apparently, XXXX XXXX had no record of a request from me for protections afforded by XXXX. Santander fabricated this request to give the appearance that my XXXX CFPB complaint pertained to a request for protections afforded by XXXX. Notably, I received this letter around the same time Santander informed CFPB on XX/XX/XXXX that it was unable to respond to the complaint through CFPB. Santanders legal department never contacted me as stated in their response to CFPB.
But on XX/XX/XXXX, I received an email from Santanders Attorney who said that the check received on XX/XX/XXXX was the excess amount of what the vehicle sold for. Santanders Attorney said that hes still investigating the questions regarding title. Interesting, Santanders Attorney was sure the check sent on XX/XX/XXXX was the excess from the sale of the vehicle. But ten days after speaking with him, Attorney XXXX is still unsure as to whether Santander held Title to the vehicle. Bear in mind XXXX days later, Santander still had not provided proof of title or any documents to Attorney XXXX supporting that Santander had lawful right to repossess my vehicle.
Also, Santanders Attorney asked that I not contact Santander since hes representing them. However, recent calls to Attorney XXXX have gone unanswered. After receipt of the email dated XX/XX/XXXX, I immediately contacted Santanders Attorney and spoke briefly with him since he had to attend another call.
I told him that check was not the excess of what the vehicle sold for since Santander stated in the deficiency letter dated XX/XX/XXXX the vehicle sold for {$10000.00} and that a deficiency balance of {$15000.00} was owed to Santander.
Also, in regards to contacting Santander earlier, I said that my insurance provider ( XXXX ) contacted Santander attempting to get documentation supporting that vehicle repossessed and sold on XX/XX/XXXX. Santander USA did not provide notice of repossession or sale to XXXX.
XXXX of Santanders Executive Office said he could not speak with XXXX or provide any information without my consent and asked that I call Santander. Also, XXXX told XXXX that hes preparing these documents and said he would send these documents to me soon. I havent received any documents from XXXX or Santander supporting that the repossession and alleged sale of vehicle lawful.
Santanders Attorney asked what would you like me to do today? I said that I will file another CFPB and South Carolina Consumer Affairs complaint because Santander unlawfully took my vehicle. I am the lawful owner of that vehicle. I said Santander is only delaying the inevitable. So lets move forward.
The Attorney reiterated that he had a call in a few minutes and asked if theres anything he could do today or are you just calling to notify that you are going to be filing a complaint. I said you can go ahead and settle with me or I move forward.
I said its been almost six ( 6 ) months and Ive been stressed out over this. Either move forward, get this thing resolved or Im moving forward. Santanders Attorney asked what is your demand and I will take it to them.
Santanders Attorney said that he just need to know the number. Said he got another call and he was not trying to be difficult. But if I could let him know the number. Or if you want to email it to me and lay everything out that would be better. I said I would email it to him. Santanders Attorney said he would talk to them and get back with me with their response.
On XX/XX/XXXX, I emailed the Settlement Demand Letter to Santanders Consumer USAs attorney. Attorney XXXX did not confirm receipt of the demand. And on XXXX, I requested confirmation. No response from Attorney XXXX. But, I received additional correspondence dated XX/XX/XXXX from Santander. This correspondence was in response to my communications with Santander USA on XX/XX/XXXX regarding XXXX. Again Santander asked that I provide documentation in order for them to review your account for protections afforded by XXXX. Santander said that records indicated that they had not received any documents from me and their searches of XXXX XXXX XXXX XXXX ( XXXX ) do not indicate that I am currently on military service covered by XXXX. Santander is apparently strategizing to close out the fictitious XXXX request to avoid detection and cover themselves with the CFPB. Santander will claim that the XXXX request was closed due to no response.
Santander sent me a deficiency letter dated XX/XX/XXXX, asserting that it sold the vehicle for {$10000.00}. Also, this letter indicated that there was a balance due of {$15.00}, XXXX, for which demand was made. But on XXXX, I spoke with XXXX of XXXX XXXX who said the vehicle sold for {$25000.00}. Also, XXXX XXXX said there was no balance.
And on XX/XX/XXXX, I spoke with Customer Service ( XXXX ) who said the vehicle sold on XX/XX/XXXX for {$14000.00}. Also, XXXX said a deficiency letter sent, but she was unable to see the letter in the system. XXXX also said there was no correspondence sent out regarding payoff. Notably, Santander gave fouXXXX ( XXXX ) different amounts the vehicle sold for.
The calculations in the deficiency letter dated XX/XX/XXXX amounted to {$25000.00}. I subtracted this amount from {$25000.00}, which is a difference of {$490.00}. I noted in the deficiency letter that {$490.00} was Santanders purported cost of selling the vehicle. {$25000.00} + $ XXXX {$25000.00}. Apparently, in Santanders rush to commit fraud, and other wrongdoing, Santander added the cost of selling the vehicle twice in its calculation to arrive at the {$25000.00}.
Also, I noted in our conversation, Santanders legal counsel said on XX/XX/XXXX, perhaps the {$10000.00} check dated XX/XX/XXXX was the leftover. But, I argued that if Santander claimed in the deficiency letter I owed them {$25.00}, XXXX, and the vehicle sold for {$10.00}, XXXX, why would Santander send me the proceeds for the sale of the vehicle? I would still owe Santander {$25000.00} plus {$10000.00} = {$35.00}, XXXX.
And if Santander claimed I owed them {$25.00}, XXXX, and Santander sent me a check for {$10.00}, XXXX that would leave {$35.00}, XXXX owed to Santander. And if I owed {$25.00}, XXXX as stated in the deficiency letter dated XX/XX/XXXX and the vehicle sold for {$25000.00} as later claimed by Santanders Executive Office, Santander would have owed me {$490.00}. But Santander Consumer USA sent me a check for {$10000.00}. Thats a difference of {$9.00}, XXXX. Am I to believe that Santander sent me this extra money out of the kindness of its heart?
Santander sent that check dated XX/XX/XXXX hoping I would accept this check, just go away and not pursue any legal action against Santander. And when I spoke with Santander on XX/XX/XXXX, there was no record of a check sent to me. And the Reinstatement Manager ( XXXX XXXX confirmed through the deficiency letter dated XX/XX/XXXX that the vehicle sold for {$10.00}, XXXX on XX/XX/XXXX. But XXXX said on XXXX that the vehicle sold for {$25000.00}, and no deficiency letter generated or sent to me due to the zero balance.
Notably, on XX/XX/XXXX, I received another Secured Encrypted Email from XXXX XXXX, Manager, Complaints Management at Santander Consumer USA. Santanders scripted message said, We recently received feedback that you requested contact in regards to a concern you have. We take these issues seriously and continually seek to improve our processes and products based on consumer feedback. Santander requested that I respond with permission to contact them strictly in regards to this specific concern, including my preferred contact number. If no response received within seven ( 7 ) days, then the issue will be closed until contact is made with our offices. I noted that this message came from the Executive Office. On Tuesday, XX/XX/XXXX, I responded to Santanders secured message. I provided my contact number and requested that XXXX XXXX call. On XX/XX/XXXX, I called Santander and spoke with XXXX of the Executive Office. XXXX was rude and very condescending. XXXX said that he no longer had the account and that I needed to speak with XXXX XXXX. He said he would contact and transfer the call. But later XXXX said that XXXX XXXX is not a Phone Based team and that he was unable to get on the phone. He said XXXX XXXX reached out to me regarding permission to contact because it showed in XXXX ( XX/XX/XXXX ) that you requested something in regards to retired military. So whenever thats the case, we do have to open that up on this end. He reiterated that XXXX XXXX is not a phone based team and would not be able to transfer me. XXXX said he didnt know exactly what was going on with the account, but noted there is activity on the account. XXXX said that he would advise XXXX XXXX that I called and provide the number to reach me. As of date, I have not received any response from XXXX XXXX XXXX or anyone of Santanders Executive Office. Again, I assert that the purported request for protections afforded by XXXX is a ploy by Santander to avoid detection by the CFPB. I have gone back and forth with Santanders utter foolishness and blatant lies for almost ( XXXX ) months and I refuse to allow Santander to harass and oppress me further. Santanders actions are abominable and have affected both my emotional, mental and physical health. I noted that Santander said in its CFPB response, dated XX/XX/XXXX, and notice to sell vehicle that it took my vehicle on XX/XX/XXXX.
Santander unlawfully took my vehicle on XX/XX/XXXX. So, even in its response, Santander still cant get its LIES straight.
The XXXX, Title, Lien Satisfaction Letter and XXXX History Report clearly shows that I am the lawful owner of the vehicle.
After Santander had my vehicle transported to an undisclosed location on XX/XX/XXXX, I called XXXX XXXX on XX/XX/XXXX. The XXXX Agent said Since it already left the tow agents lot, I would have to get with Santander and they will give you the location where its at so you can go and pick it up. Also advised that I ask if they ( Santander ) could do a Take Back where they can bring the vehicle back to me. Moreover, XXXX XXXX said it sent XXXX the Order To Repossess that it received from Santander, implying that XXXX did not verify the XXXX holder before it assigned the vehicle for XXXX.
Santander stole my vehicle on XX/XX/XXXX. I asked Santander Consumer USA many times to provide documents supporting that I owed Santander money, and it had the lawful right to repossess my vehicle. And each time, my requests were ignored. I called Santander constantly about this matter, Santander never called me to collect a debt they claimed that was owed to them. Also, Santander Consumer USA would hang up on me, which is strange behavior for a company that claims a debt is owed to them. Also, there is absolutely no credit reporting on this account. So how did Santander make its determination of delinquency? Also, I was told by several Santander USA employees that this was a closed account. And there was nothing there.
Again Santander stole my vehicle on XX/XX/XXXX. I have the title and several other documents, including the lien satisfaction letter showing that the lien was satisfied thru Gateway One Lending & Finance on XX/XX/XXXX.
Santander USA acquired XXXX in XX/XX/XXXX, and Santander admitted in its CFPB response dated XX/XX/XXXX, that it had my Title since XX/XX/XXXX. Santander fraudulently withheld my title for 1 year and 4 months before fraudulently releasing the original title to XXXX XXXX on XX/XX/XXXX.
Santander knew that Im the rightful owner, which explained why Santander feigned to review my CFPB complaint on XX/XX/XXXX, and on XX/XX/XXXX, had my vehicle transported across state line to an undisclosed location. Santander provided no notice of the vehicles location, nor date or time of auction.
Also, Santanders more than two month delay to sale my vehicle confirmed that Santander was not the lien holder. Strangely, Santander on several occasions asked me to send them a copy of my title. If Santander had the title since the inception of this matter, why would Santander ask me to send it a copy of my title?
I say the vehicle was allegedly sold because Santander could not sale or dispose of the vehicle since it did not hold Title to the vehicle. Santanders actions against me were for the sole purpose of intimidating and extorting money that was not lawfully owed to Santander.
On XX/XX/XXXX, My insurance provider contacted XXXX in an effort to locate my vehicle. XXXX said the vehicle sold and XXXX would have to contact Santander about the vehicle, XXXX called Santander and was given the run around before Santander advised XXXX to call XXXX Solutions. XXXX called XXXX who advised that they were assigned to do the Repossession Claim, but was unable to pursue the claim since the account had a Zero balance and I am the Title Holder. But Santander undeterred, fabricated and executed its own repossession claim as evinced in the XXXX XXXX dated XX/XX/XXXX. Santander STOLE my vehicle on XX/XX/XXXX. Santander lied to coverup the unlawful repossession and breach of the peace. Santander LIED in its CFPB response dated XX/XX/XXXX. And Santander LIED in its CFPB response dated XX/XX/XXXX. Also, Santander fabricated a request for protections afforded by XXXX. And Santander continued this LIE in its letter dated XX/XX/XXXX. Also, XXXX XXXX continued this LIE when he sent the secured message dated XX/XX/XXXX. As indicated by their lack of responses to the CFPB, Santander never intended to resolve any issues raised by the Complainant. Also, I noted in my conversation with XXXX dated XX/XX/XXXX, XXXX said the record indicated that the complaint resolved. Santander Consumer USA never addressed my CFPB complaint filed on XX/XX/XXXX. Nor has Santander made any efforts to resolve this CFPB complaint.
|
| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Social Security # XXXX DOB : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ;
( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SANTANDER CONSUMER USA Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a
public record vendor, and th
at I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in writte
n form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full docum
ented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phon
e charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time
will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit repo rting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validati on on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER
THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to wh
o
m it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agen
cy may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may
not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction betwee
n the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I am amazed at the lengths companies such as Santander Consumer USA will go to fabricate and maintain a lie. I have read myriad reviews pertaining to Santander and I am appalled and sickened by your wicked actions. Your actions toward customers are disgraceful. Santander could teach the XXXX a thing or two about strong arm tactics. But do know that karma is right around the corner. Notably, Santander repossessed my car, but wants me to prove that it was unlawful. Last Friday XX/XX/XXXX, I was asked by XXXX if I had anything other than the police report showing that I have a XXXX balance with Gateway One? I retorted, Yes, my credit reports, all three reporting agencies. Now I need Santander who is not the lien holder of record to prove by way of evidence that the repossession was lawful? The Complainant strenuously asserts that Santander never sent any information regarding Santander servicing Gateway One Lending XXXX XXXX accounts. Also, the Complainant requested notices and statements, as of date, the Complainant has received nothing. Before the unlawful repossession of my car, I knew absolutely nothing about this company. Also, Santander claimed the Complainant was 420 days past due, but notably, Santander never reported these delinquencies to the credit reporting agencies. Notably, in the Order to Repossess Santander stated that the Complainant had been delinquent since XX/XX/XXXX. Almost four years, but ironically, Santander failed to report these delinquencies to the CRAS. And on XX/XX/XXXX and XX/XX/XXXX, Santander admitted that it did not report any delinquencies to the CRAS. And when I asked this agent why Santander did not report any delinquencies if Santander believed that I owed money? The Agent checked and confirmed that Santander had not reported the account delinquent, saying, You right, we were trying to do you a favor ; we want to work with our customers. Also, I asked why no repossession was reported on my credit report? The Agent retorted, We dont want to hurt our customers. But said, We can report it if you want us too! I noted in a Santanders Consumer USA XXXX response dated XX/XX/XXXX, Santander said, The Fair Credit Reporting Act ( FCRA ) requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies. A review of the information provided to the credit reporting agencies shows that on XX/XX/XXXX, an update was submitted to report the account Open/Current with a balance of The delinquency was cured after the account has already reported to the credit reporting agencies in XX/XX/XXXX. So as evidenced by its response, Santander does report to the CRAS but wants me to believe that it didnt report the account delinquent for 420 days because it wanted to do me a favor. Credit reporting is not arbitrary or discretionary ; credit reporting is mandated by the FCRA. I assert that Santander did not report any delinquencies to the Credit Reporting Agencies because it could not report to the CRAS since it is not listed or recognized as lien holder on the credit report. Santander did not apply for or transfer ownership of the lien through the appropriate state agency, i.e., The State of California DMV, or South Carolina DMV. Regarding Gateway One not securing the Title prior to purchasing the vehicle, the Complainant asserts that Gateway One did not secure the Title before purchase, after purchase, or at anytime. Noticeably, Santander Consumer USA dodged and ducked this issue in its CFPB response. Saying, We are unable to substantiate your claims of the previous owner not having secured Title prior to you purchasing the vehicle. The Consumer asserts that it is impossible to substantiate claims that are willfully ignored. I purchased the vehicle on XX/XX/XXXX. In the CFPB complaint the consumer attached a copy of the Title before she registered the vehicle with the South Carolina DMV on XX/XX/XXXX. Notably, Gateway One Lending XXXX XXXX is listed as the lien holder. However, Gateway One never Perfected the lien with the appropriate filing agency, in this case, the California DMV. I spoke with California DMV on XX/XX/XXXX, who again confirmed that Gateway One Lending XXXX XXXX had not filed any paperwork with California DMV. CA DMV also advised that I reach out to California States Attorney Investigator. The record shows that Gateway One Lending XXXX XXXX purchased the vehicle at auction on XX/XX/XXXX, and on XX/XX/XXXX made application for transfer of Title but did not complete the paperwork. Gateway One did not complete the paperwork because it did not have physical possession of Title at that time and did not get possession of Title until XX/XX/XXXX. On XX/XX/XXXX, I called Gateway One concerning the dealerships delay to get the Title. I was told by the Agent/XXXX for Gateway One Lending XXXX XXXX that it was also awaiting receipt of Title from the dealership. I will submit this recorded conversation. So, Gateway One Lending was also complicit in the sale of the vehicle before the dealer had possession of Title. The dealership was required under California DMV laws to update CADMV of new owner before the later sale of the vehicle. However, the dealership failed to register Title or new ownership as required by California law. Neither dealership nor Gateway One Lending XXXX XXXX had physical possession of Title before they sold me the car on XX/XX/XXXX. Therefore, both dealership and Gateway One Lending XXXX XXXX failed to act in accordance with the State of California laws. Thus both dealer and Gateway One Lending XXXX XXXX acted fraudulently. On XX/XX/XXXX, I spoke with CALIFORNIA DMV, according to CADMV record, the last time Title issued or updated, new owner reported or loan or lien reported was XX/XX/XXXX. CA DMV stated, when a vehicle is sold to a new owner, the Title must be transferred to the new owner ( s ) at a Department of Motor Vehicles. So, when the Complainant bought the car on XX/XX/XXXX, the dealership did not have perfected lien on record with California DMV. A perfected lien is a lien that has been filed with the appropriate filing agent in order to make the securing interest in an asset binding. A perfected Lien provides legal documentation to prove that a creditor has a legal right to seize property. After the 45 day tag expired, the Complaint could not register the vehicle with the SC DMV since the dealer had failed to update the Title with the California DMV. Two months after purchase, the dealer sent the paper Title directly to the Complainant on XX/XX/XXXX, so she could register the vehicle with SCDMV. So from the time of purchase of the vehicle from auction on XX/XX/XXXX and actual receipt on XX/XX/XXXX, the dealer did not have possession of Title for almost eight months. The dealer insisted that Gateway One be listed as the lien holder. The Complainant delayed to register the vehicle because I did not want to involve myself in any fraudulent actions. The dealer assured that everything was legitimate. I noted on the back of the Title in the lien holder section the following : Gateway One Lending XXXX XXXX, and beside it XXXX XXXX. The dealer sent this text on XX/XX/XXXX to explain this company : XXXX XXXX is my flooring company and they always lien every title as such I bought it from the auction and I have prove of that.... I didnt do anything wrong I was always the bona fide owner. What damages do you think you incurred?? The title was to never go to you because you have a lien on it with the bank ( Gateway One ). If you want to talk please call me because I am very fair and would love nothing more than handling your concerns. Besides the Title the dealer sent other documents that were to be submitted with the SC DMV registration. I later noted in the STATEMENT TO RECORD OWNERSHIP, the dealer listed Gateway One Lending XXXX XXXX as the lien holder, but notably, on this document, the dealer made a statement of error or erasure, stating the following : The name appearing on or erased from line 11-13 of the CERTIFICATE OF TITLE/OWNERSHIP issued for the above described vehicle was in error and has no bearing on the ownership of the vehicle. The name signed or erased SHOULD NOT BE A PART of the ownership record. REASONS FOR ERASURE : XXXX XXXX XXXX STAMPED THEMSELVES AS LIENHOLDER IN ERROR, NO FRAUS INTENEDED. XXXX XXXX XXXX HAS PROVIDED A LIEN RELEASE. Apparently, this dealer and cohorts were in such a hurry, they misspelled FRAUD and INTENDED. Notably, this dealer said in his text dated XX/XX/XXXX, that XXXX is his flooring company. But the dealer lied in his California DMV application form to SC DMV dated XX/XX/XXXX that XXXX is a XXXX XXXX, aka lender. This dealer also falsely reported to SC DMV that XXXX XXXX was the lien holder before it released that lien to Gateway One Lending XXXX XXXX. But California DMV record showed no application or assignment of Title to XXXX XXXX. More importantly, there is no transfer of Title to Gateway One. The dealership never reported ownership to CADMV. Also, Gateway One never reported ownership of the car in the California DMV record. So, if there is no lawful transfer of Title to the dealership and Gateway One Lending XXXX XXXX, there can not be a lawful transfer of Title to Santander. Santander asserts, albeit falsely, that Santander automatically became lien holder of all Gateway One accounts when it acquired Gateway One Lending XXXX XXXX, and therefore Santander has standing to enforce those liens. However, the law states otherwise. A lien gives the creditor legal right to easily obtain permission from the courts to move forward with a levy, which involves notifying a borrower that assets are being prepared to be seized because of unpaid payments on a loan against the collateral. Liens help to provide a standardized process for lenders to obtain property that is occupied or physically held by the borrower. However the law requires that a lender document their lien against collateral and perfect that lien by legally filing it with the appropriate agencies or authorities. If a lien is not perfected, the lenders claim on the assets may not be granted. The Complainant noted the following in the purchase agreement dated XX/XX/XXXX : Security Interest, You give us ( Gateway One ) a security interest in : The vehicle and all parts or goods installed on it ; All money or goods received ( proceeds ) for the vehicle ; All insurance, maintenance, service, or other contracts we finance for you ; and All proceeds from insurance, maintenance, service, or other contracts we finance for you. This secures payment of all you owe on this contract. It also secured your other agreements in this contract as the law allows. YOU will make sure the Title shows our security interest ( lien ) in the vehicle. YOU will not allow any other security interest to be placed on the Title without our written permission. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES You May owe late charges. You will pay a late charge on each late payment as shown on the front. Notably, the Complainants account was never assessed any late charges. You may have to pay all you owe at once If you break your promises ( default ) we ( GatewayOne ) May demand that you pay all you owe on this contract at once, subject to any right the law gives you to reinstate this contract. Default means : You do not pay any payment on time ; You start a proceeding in bankruptcy or one is started against you or your property. Notably, on XX/XX/XXXX, the Complainant filed Chapter XXXX to protect her home from a racist HOA. But the Complainant continued to fulfill her financial agreement with Gateway One and all other creditors. I was current before and after filing Chapter XXXX. Notably, Gateway One, as stipulated in the contract, did not demand that I pay all that I owed on the contract at once. Also, the Complainant noted that Gateway One did not submit a request for payment to the bankruptcy court. And Gateway One continued to charge interest to the account. Notably, all other creditors terminated interest after I filed Chapter XXXX on XX/XX/XXXX. WE MAY TAKE THE VEHICLE FROM YOU. If you default, we may take ( repossess ) the vehicle from you IF WE DO SO PEACEFULLY AND THE LAW ALLOWS IT. Notably, the tow agent breached the peace on XX/XX/XXXX, failed to notify police, and falsely reported to Santander Consumer USA andXXXX XXXX XXXX that he recovered the vehicle from XXXX XXXX at XXXX. But tacitly asserted in his Repossession Notification that he recovered the vehicle from XXXX, notably, no address given and wrong zip code. Also said that he recovered the vehicle at XXXX XXXX. More importantly, the tow agent failed to notify police, or notify his employer XXXX XXXX XXXX XXXX ; Santander ; and XXXX XXXX XXXX that he breached the peace on XX/XX/XXXX. I spoke with XXXX XXXX Police on XX/XX/XXXX to inquire if the tow agent reported the recovery as purported by his employer XXXX XXXX XXXX, XXXX. I was informed by dispatch that the tow agent reported the tow/recovery on XX/XX/XXXX, notably five ( 5 ) days later. The car was towed on XX/XX/XXXX. And I filed a XXXX XXXX Police Report for a stolen vehicle on XX/XX/XXXX. Also note on XX/XX/XXXX my family and I went to XXXX XXXX XXXX, XXXX SC where the car was held to inquire about the vehicle. The Manager said that the driver reported the tow to police. I said he didnt and showed her the stolen car police incident report dated XX/XX/XXXX. I also noted the inconsistencies in his reports. The tow agent told both XXXX XXXX XXXX and Santander that he retrieved the car at XXXX XXXX XXXX at XXXX XXXX. I confirmed this information with both XXXX XXXX XXXX and Santander on XX/XX/XXXX. But the tow agent reported in his Repossession Notification to his employer XXXX XXXX XXXX, XXXX that he retrieved the car from XXXX, but notably, failed to provide any additional details as to the type of business, i.e., restaurant. Also, the tow agent failed to provide the street address and gave the wrong zip code. Also, the tow agent said that he repossessed the vehicle from XXXX on XX/XX/XXXX at XXXX XXXX., contradicting what he reported to XXXX XXXX and Santander that he recovered the vehicle from XXXX XXXX XXXX at XXXX XXXX Significantly, in the repossession notification the tow agent failed to report that he notified the police of the tow/recovery. More importantly, the tow agent failed to report that he BREACHED THE PEACE during the XX/XX/XXXX tow/recovery incident. The Manager noted the tow agents discrepancies and advised that I call the corporate office in XXXX SC, and speak with compliance. I spoke with XXXX who reiterated the details asserted by the office manager. I said there was a breach of the police on XX/XX/XXXX, and the tow agent did not report to XXXX XXXX Police as required by both city and state law. XXXX said there was no report of a breach of the peace, and asked how the tow agent breached the peace? XXXX argued that he did report the tow. I said if he reported the tow to police, why did I make a stolen car report with XXXX XXXX Police on XX/XX/XXXX? Apparently, the tow agent failed to report to his employer ; XXXX XXXX XXXX ; and Santander that there was a breach of the peace during the recovery on XX/XX/XXXX. XXXX said that she needed to investigate and that she would call back shortly. About two hours later after I did not receive a call back, I called Compliance and spoke with XXXX again. I was rudely told that she needed more time to do her investigation and should would have a response in 48 hours. I never received a response from XXXX. However, I was informed by the XXXX XXXX Police that the tow agent reported the tow/recovery on XX/XX/XXXX, notably, the day after I visited the tow location ( XX/XX/XXXX ) reported the breach of the peace to the tow company ; and spoke with Compliance ( XXXX ). So, it is evident that XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX ; and Santander are attempting to cover up the tow agents unlawful actions and do damage control. Notably, in the Repossession Notification, Santander is the listed lien holder. But the SC DMV ; SC Secretary of State ; and XXXX shows Gateway One Lending XXXX XXXX as the lien holder of record. Also, on the Order to Repossess, the Complainant noted, Failure to report repo in XXXX XXXX within 48 hours may be subject to nonpayment, which explains why the tow agent lied to both Santander and XXXX XXXX XXXX about where he recovered the vehicle ; notifying the police of the recovery, and failing to report the breach of the police. South Carolina Consumer Affairs, The law allows the lender to use self-help in repossessing your car, but the law does require that self-help be peaceful. If you see someone from the lender hooking up your car to tow away, you can tell the agent to stop. When you tell them to stop, any further attempt to tow the car is not peaceful. Unlawful Repossession, in XX/XX/XXXX, the CFPB announced a consent order against an auto financing company for wrongful repossession of hundreds of consumers vehicles. A financing company or their repo agent may also engage in harmful conduct such as breaching of the peace with unlawful actions to take car, including failing to follow state rules for repossession. Santander is not the lien holder of record, and never took the necessary steps to perfect the lien as required by law. The lender, i.e., Santander will need to perfect the lien in order to take action on a levy repossession. Santander Consumer USA, I never made an agreement or promise with you. Produce the Title showing that you are the lien holder. If your internal legal department inspected the records from Gateway One, you so-called legal minds already knew that Gateway One never transferred Clear Title to Santander since Gateway One never reported Title to California DMV. As the adage goes, You cant convey or transfer what you dont have. I made a promise and fulfilled that promise with Gateway One Lending XXXX XXXX. And by the way since you are claiming to be the lien holder or stepping into the shoes of Gateway One Lending Finance, refund every XXXX of the interest that I paid after filing Chapter XXXX on XX/XX/XXXX. Gateways liability is now your liability, right? Notably, Santander said in its CFPB response dated XX/XX/XXXX, that it would temporarily hold the sale of the vehicle until XX/XX/XXXX. But sent the vehicle for auction on XX/XX/XXXX. Notably, I received the notice of intent to sell vehicle. Santander stated, We have your Vehicle because you broke promises on OUR AGREEMENT. Also incorrectly stated it it took possession of the vehicle on XX/XX/XXXX. Also, said it would sale the vehicle sometime after XX/XX/XXXX. You can get the vehicle back at any time before we sell it by paying us the full amount you owe ( NOT JUST THE PAST DUE PAYMENTS ), including our expenses. Notably, Santander USA did not report any past due payments to the credit reporting agencies. Notably, Santander Consumer USA did not state in the letter what is allegedly owed to them. But said if I wanted to know the exact amount I must pay, I must call Santander. Please note that this is the same company that hangs up on me whenever I call and makes it almost impossible to reach them. So, I owe you money, but when I call you hang up on me? Also, note that Santander is not making any collections calls to me? But Santander claims I owe them? Also, note that Santander USA/Reinstatement said on XX/XX/XXXX that the total payoff is {$11000.00}, but said in the CFPB response the total payoff is XXXX? Also, I have requested Statements regarding this matter, but noticeably, Santander has blatantly failed to provide them. The Complainant asserts if there is no issue with the sale of the vehicle at auction, why would Santander delay to auction the vehicle? The Complainant asserts that Santander is using this recent action to send my vehicle to the auction as a ploy to force me to pay them money that I dont owe them. Santander knows that Vehicle can not sale at auction due to issues regarding Title. I went to the tow yard on XX/XX/XXXX, and was informed that Vehicle was sent to auction earlier that day. The tow company noted the discrepancies with the Title, i.e., Lienholder, and said the car would be rejected and sent back. Also, spoke with XXXX XXXX XXXX who said on XX/XX/XXXX, the car has been sent to auction, and they had no control over it at that point. They noted the discrepancies with the Title and said that I would have to call Santander to get the vehicle sent back and released to me. I called Santander a few times and was not able to get through. I noted that when I pressed the number for Customer Service, the call would go dead. Typically for the past two weeks whenever I called Santander Consumer USA and pressed the number for Customer Service, the call will automatically go straight to the Executive Office. I called around looking for another number for Santander. I was provided a number for Santander and was told to block my number just in case Santander Consumer USA is deliberately blocking my calls. I reached the Title department but was told that it could not help since there was a Title issue. I was sent to an escalations department, who told me that the account was red flagged and that I would have to speak with the Executive Office. I told her that I had tried to reach the Executive Office several times but was unable. Eventually, she transferred me to the Executive Office. I spoke with XXXX who at first was pleasant. She put me on hold, apparently to read the notes on the account. And when the call resumed, XXXX was hostile, and said I see that you have an open complaint, and Santander was reviewing the matter. I said that Santander responded to the CFPB complaint on XX/XX/XXXX. She said that she was advised that I should submit documents showing that I paid off Gateway One, and that it would not release my vehicle. Santanders actions show and support that Santander Consumer USA knows that it does not have clear Title. Again, I reiterated that Santander is not the lienholder and it did not automatically get lienholder status by purchasing Gateway One Lending XXXX XXXX. I said that Santanders issue is with Gateway One Lending XXXX XXXX since it did not get or transfer ownership from the dealer. Those liens must be Perfected. Santander, you knew that you did not have clear or perfected Title before you pursued this unlawful repossession.
|
| 09/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On Wednesday XX/XX/XXXX my car was repossessed by Santander Consumer USA. I called Santander at approximately XXXX and asked a male customer service representative " if he can assist in telling me how I can get my car back? '' He told me " in order to get my car back I have to pay Santander {$1500.00} plus repo fee of {$380.00} and pay the towing company {$150.00} or however much they charge for storage fee to get the car off their Lott. '' I asked him " if I have 30 days to pay the above amount? '' He said " no I have 10 days in which they have to hold the car on the tow yard to give customers time to pay the amount due so they can get their car back. Then if I do n't pay after 10 days the car will go to auction with no chance of redeeming it. '' He then asked me " if I could pay the {$1500.00} in that amount of time 10 days starting on XX/XX/XXXX? '' I said " no but I did send a check in to them for {$400.00} already but they must have not gotten it yet. '' He said " actually yes I do see we have a received a check her but for some reason we have not processed it yet. Well since we have that check and just waiting on processing can you make an additional payment to add onto the check? '' I said " I can make another {$400.00} payment to Santander to add on to the {$400.00} check they already had processing. '' He said " I have until Friday to make that additional {$400.00} payment by XXXX XXXX and he is forwarding over a hold to release my vehicle to the towing company and vendor. If I they do n't get the additional {$400.00} by Friday it will be free for the vendor to pick it up for auction. '' Then he asked " if You like I can forward the repo fees to your next bill so when You go pick up your car from the towing yard it you do n't have to pay them then. '' I said " yes thank you anything will help right now and is it ok if I call them back to make a payment by debit card so they can get it processed as soon as possible? '' He says " yes as long as the debit card is in your name. '' Okay so we agreed on that he gave me the vendor number as XXXX and the name as XXXX XXXX XXXX and I can call them to get info on what towing yard have the car, where to pick it up after I make that debit card payment.
I immediately go on my banking app to transfer an additional {$400.00} into my checking and called Santander Comsumer automated payment service they have through XXXX XXXX got confirmation number. I checked my checking account balance about an half hour afterwards and see the payment did take. I did notice that they did not cash my previous check for {$400.00} I had sent in and they claim they had but have n't processed yet. I wait until that afternoon ( XXXX ) to call the XXXX XXXX number Santander gave me to confirm that they did receive a hold the representative put in and to find out what towing yard they have the car parked so I can pick it up. someone will answer ask if I 'm calling to redeem then transfer me to an answer machine where I had to leave name number and VIN before someone can talk to me. I did this twice but nobody called me back. When I called the third time before the woman transferred me I asked her if she can just tell me the tow yard info and if they have the notification that Santander put through to hold the car until at least Friday for pick up at the tow yard? She asked for VIN to look up the information for me. She then tells me the car is located at XXXX XXXX XXXX it is still on their yard and they do not see anything from Santander about holding the vehicle there but to call XXXX XXXX XXXX and ask them because XXXX XXXX XXXX can see everything vendors do about holds and releases Santander might put out.
I call XXXX XXXX XXXX right after hanging up with XXXX XXXX. I asked the lady that answered " if they have my car? '' She says " yes but she does n't see notice of a release from Santander or the vendor so to just call back Santander ask why not. Also the car is going to be prepared sent to auction on Friday. '' I then called Santander Constumer service back ( XXXX est ) and this time it is a woman agent. I asked " why have you not sent over a hold or release to the vendor or towing company when I already made another payment by debt card that went through and you have a {$400.00} check in your procession? '' She said " there 's no hold sent form them and will not be until the check they have is processed and the customer service agent I talked to before should have told me that when we made the previous arrangement. '' " In order to get us to send over a release or hold of the vehicle today you will have to call your bank, get them to fax over a statement saying you have the money in your checking account to clear the check. '' I said " well I 'm trying to get a release sent over from your company as soon as possible because I do n't want to pay additional fees added from the towing yard each day. Plus I do n't want it to be sent to auction which they said it will be prepared for on Friday. '' " How about if I pay by credit card now the {$400.00} that the check is stated for and then I just call my bank to cancel the check y'all have not processed yet. '' She tells me " they are not supposed to prep the car for auction it have to sit for 10 days and if payment is not made then it is sent off to auction. " " but let me put you on hold to talk to my manager and see what he says to do about the check payment. '' After having me on hold for a while she came back on apologize for the wait and tells me " I talked to the manager and since we see you have already made a payment on credit card for {$400.00} earlier they are just going to wait on the check to process and go ahead and put the release through to the vendor right now. " " I 'm typing it in the computer now but give them about 24 hours to recieve it. " " you should definitely be back in your car by Friday if not Thursday ( tomorrow ) and congratulations on being only 9 payments away from paying off the car on a 72 payment loan. '' I say thank you and we end the call. at this time it is already closing time for the towing ( XXXX XXXX XXXX ) and vendor ( XXXX XXXX XXXX ) companies for today. So I wait until next day to proceed.
Thursday XX/XX/XXXX I call XXXX XXXX XXXX ( XXXX est. ) to see if they got the release Santander told me they sent out yesterday. The lady I talked to says " I see no release from Santander or XXXX which is the vendor and lean holder they go through. " " call Santander back And you can call XXXX the number is XXXX '' I call the number they gave me for XXXX but it dials as a wrong number which could have been my mistake. I decide to call Santander instead to talk to a customer service agent again. Male representative answers I asked him why there 's no release sent over yet when I was told twice yesterday that a release was being sent over.? He says with attitude " you 're going to have to pay more than {$400.00} to get your car released. '' I said " I sent a check for {$400.00} through mail before the car was repoed. The two previous representatives I talked to yesterday said they see the check is there but just waiting to be processed but is putting the release through anyway. '' He says with attitude " there is no way a customer service representative told you that because it 's impossible for anyone there to see whether or not a check is received. '' I say " so why I lied to by two Santander employees yesterday because they told me the check is in the company 's possession and received by Wednesday the XXXX but for some reason not processed yet? How can I then come to an agreement with Santander to just pay an additional {$400.00} by debit card to get a release on the vehicle instead of paying the full {$1500.00} I originally had to pay? '' He then said " ok hold on let me read the notes the left on your account and let me talk to my manager. '' He puts me on hold for a long time and comes back on the line and says " sorry for the long wait but I do see the check that we have received but it 's still processing. I have talked to the manager and we will send over the release now while on the phone with you. All you have to do is be on recording agreeing to make your monthly payments from XXXX thru XXXX on time. If you agree to do that we will send over the release right now ( approximately XXXX XXXX est. ) it might take 45 minutes to an hour for the vendor to see it though. We will also waive your XX/XX/XXXX and XX/XX/XXXX payments so your account will be up to date with your XXXX bill. If I agree let me know so we can start recording the statement. '' I agree to the terms to pay on time for my last payments for XX/XX/XXXXthrough XX/XX/XXXX on recording. I had to verify my name, address, phone, and SS number. After we finished the recorded statement he says " okay your account is now up to date as of XXXX and I put your release through already. Call our vendor XXXX at XXXX. You do n't have to pay any fees when you go pick up your car. '' I then realized and I 'm not sure why Santander gave me XXXX XXXX XXXX XXXX number as their vendor number on our first conversation together and this must have been the number I mistakenly dialed yesterday XXXX XXXX XXXX gave me as the vendor they go through.
I wait until 35-40 minutes later same day Thursday approximately XXXX est. ) tried my luck and just called XXXX XXXX XXXX to ask if they received a release yet but they said no call back tomorrow they open XXXX XXXX est.
Friday XX/XX/XXXX XXXX est.
I call XXXX first to see if they got the release from Santander yet. XXXX female representative says no release was ever sent to them from Santander since Wednesday. She advised me to call Santander Consumer back and instead of talking to a customer service representative ask to talk to the redemption manager only. That the customer service reps only can send an email to their own redemption department. Santander 's redemption department then have to send the release to the vendors in able for the vehicle to be back in my possession. the redemption department at Santander is the hold up because they 're slow opening their emails. I need to take up concern with them. So I thank her for finally giving me an honest answer and told her I had know Idea Santander had a redemption department I can even talk to.
I hang up with her and immediately call Santander Consumer back had to press " 6 '' to talk to a customer representative like I have been doing all this time because they do n't even have redemption department on their directory. When the customer service rep come on the phone I ask to transfer me to the redemption department manager. After being put on hold a male redemption agent named XXXX? ( he mumbled ) answered. I asked him if he was the redemption department manager? He says " no '' I asked to talk to the manager instead.? He asked " why do You need to talk to the manager instead? '' I just asked again to please transfer me and he puts me on hold. A Man answer says he is the manager. I asked for his first and last name. He says " XXXX XXXX '' ( sp? ) I then proceed to tell him about the conversations I had with previous customer service representative yesterday evening and how he along with the other representatives I 've spoken to by Wednesday all told me about putting in a release but it has infact never been done. So why Santander lied to me on numerous occasions.? He apologizes and says he is sending over the release himself as of now I should be able to pick up my vehicle and for the trouble he will credit my account {$50.00}.
At XXXX XXXX est. same day Friday XX/XX/XXXX I go to XXXX XXXX XXXX where I was told from Wednesday my vehicle has been from the vendors. When I got there and said I was there to pick up my vehicle to the woman at the front desk. She asked me for my info so she can look it up. She then turned to me and says Santander or the vendor has n't sent over a release. I can not get my vehicle.
I then start calling Santander back because I 'm tired of being lied to and misled to what is going on with my vehicle and personal property. Before I can get through to a customer service rep at Santander, the receptionist at XXXX XXXX XXXX says " never mind Santander just sent the release over. '' She Brings me 2 papers to sign saying they are releasing the property and car over to me. She also ask for my Drivers License and car keys so they can drive the car around and put the personal property they cleaned out of my car back in because they were preparing it to be sent to auction. I have her the keys and she gave the keys to a male employee. He proceeds to wak in the back while I 'm finishing signing the release paperwork. After photo copying my ID and paperwork, handing me one plastic XXXX bag of personal property the receptionist told me they will drive my car to the front. I go outside to wait for the car when a XXXX XXXX XXXX employee driving a golf cart with the remainder of my personal property on it comes up to me and says " here 's your property take it. '' I 'm really confused and said to him " I 'm waiting on someone to drive my car around. '' He then says " you 're car is n't here it 's in Maryland at the auction they already got it. '' I 'm livid and go back inside to talk to the owner of XXXX XXXX XXXX. I wanted to know why they had me sign a form that the vehicle is released to me and misled me by asking for my keys so they can drive my car around if all this time the car was n't even there.? Also why would they tell me I have to wait until they get a release from Santander to pick up my car if it 's already down at the auction in Maryland?
My relitive and I go to ask The owner of XXXX XXXX XXXX for his liscence, any paperwork he had stating when the car was picked up to go to auction? It was my understanding that the car will have to sit on the towing lot in XXXX, va for 10 days before being sent to be auction off. The Owner of XXXX XXXX says XXXX XXXX XXXX came and got the car at XXXX est from their yard ( in XXXX va ) and towed it to their yard in XXXX XXXX Maryland . He Ca n't really tell me anything else about it I should take it up with Santander and an employee brought me out two copied pieces of paper with the dates they had the car and when it was released to auction.
When I got home that evening ( XXXXest ) I took a closer look at the documents XXXX XXXX XXXX gave me and they are obviously tampered with with dates crossed out, conflicting auction pick up dates and names that are whited out where it was supposed to be an authorized release to the XXXX XXXX XXXX XXXX.
Saturday XXXX XXXX, XXXX XXXX est I call XXXX XXXX XXXX in Maryland at a new ( direct ) number XXXX XXXX XXXX gave me to call yesterday. XXXX. They are closed until Monday XXXX est.
I call Santander Consumer at XXXX est. customer service rep answers I ask to be transferred to the redemption department? They put me on hold twice and then someone hangs up on me. The customer service rep then apologize and told me they hung up but hold on the line he will transfer me again. I hear someone pick up then hang up the call all together. I call Santander again a different agent answer I told her I 'm trying to reach the redemption department but got hung up on twice. She tells me she will transfer me but the phone just rings 15 min straight. Customer service gets back on the line says she think they already left for the day but they 're open XXXX ct on Saturday to call back later.
Same day Saturday XXXX it 's XXXX est. I call Santander back ask to transfer to redemption department again they let it ring 15 min straight no answer until customer service rep comes back on The line asking why do I need to talk to the redemption department? I told him I need info on the whereabouts of my vehicle. I need someone to explain to me what I 'm I getti the run around being told different things by Santander and their vendors since we made arrangements Wednesday morning in getting me back into my car by Friday? Why is it that my car is at auction in Maryland already when they already took both my payments by debit card for {$400.00} on Wednesday the XXXX and check for {$400.00} that they had but cleared on finally on Friday?
He then tells me " he ca n't talk to me or give me any answers to my questions at this time. I will have to wait until redemption department call me back when they are in office but they are obligated to return my call by today before they close. '' I asked him why they will not answer my call if they are stated to be open XXXX ct now? He just says " I do n't know '' They never return my call.
Monday XXXX XXXX XXXX XXXX est I call Santander asked to be transferred to redemption department they have me on hold waiting for the phone to be answered for 17 minutes. A lady with an attitude finally answer I immediately ask to talk to her department manager. She says " I have many managers '' with attitude. I asked " can I speak to XXXX XXXX XXXX? '' She says " that 's my manager. What do you want? '' I just say " can you just transfer me to his office? '' She just puts the phone reliever on her desk and I can hear her say " XXXX ( my name ) is on the phone her account number is_____. '' I hear someone pick up the receiver and say " yes this is XXXX '' so I tell him that " I have been back and forth with Santander since Wednesday every person I talk to telling me they are sending over release to get my car before or on Friday before it goes to the auction and it was all lies. Please explain to me why I was lied to by your company multiple times? '' He says " he did n't send the release until Friday and really when Santander called to pick the car up on Wednesday when they repossessed it it is out of their hands. It is up to the vendor what to do with the vehicle. The vehicle has 48 to 72 hrs to pick the car up from XXXX XXXX XXXX and tow it to XXXX XXXX XXXX in Maryland. '' So I asked " why did the Santander representative tell me on Wednesday morning that the car will stay on the towing lot for 10 days before being towed to the XXXX XXXX XXXX? Why did the person I talk to Thursday at XXXX est have me sign a recorded statement so that he can put the release through that will only take 45 min to an hour to process so I can be back in my car? Then Santander actually not follow through did not release the car at XXXX XXXX but instead have it towed the next morning that it was promised to be released to go to an auction in Maryland? That makes no sense. '' He just says " the customer service agents I was talking to all that time was wrong and they gave me the wrong information. XXXX XXXX XXXX had the car in their possession since Thursday the XXXX. They have the right to get the car to auction within 24 hours not have it wait for 10 days to wait for payment arrangement. Sorry but they told you the wrong information but the only thing he can do is file a complaint. There 's nothing Santander can do its all on XXXX XXXX call them and I will be billed for that towing fee later but he ca n't tell me how much it will be. '' I call XXXX XXXX XXXX and asked the receptionist if they have the car there? She says yes it 's been there since Saturday the XXXX of XXXX and they just got the release from Santander a few minutes ago. The car is blocked in so in order for me to pick up the car from them I will have to wait until they move the other cars out the way. Once they do that XXXX XXXX will call me directly and have me schedule an appointed for pick up. I Will be billed later for towing fees from XXXX Virginia to XXXX XXXX Maryland but that price can not be disclosed at this time. '' So it is now Tuesday XXXX XXXX and I still do not have possession of my car. I 'm still waiting on XXXX XXXX to call me back.
I was deceived by every company besides XXXX that I talked to since Wednesday. Everyone is telling me something different and contradicting each other.
|
| 06/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, while parked at XXXX XXXX in XXXX SC, my vehicle was towed. I was parked in the order to go and told by an employee that I could not park there. I said that I would run in to order to go and leave in a short time. I entered the restaurant and ordered. About fifteen minutes later, I saw a tow truck. I saw a man hooking up the car to tow it away. I ran towards my car, and yelled for the guy to stop, but once he hooked up the car, he ran and jumped into the passenger side of the tow truck. I observed a red tow truck drive off with my car. I pursued the tow truck, and again yelled to the driver to stop the tow. But he continued to drive away with my car. I pursued the driver and asked him to stop saying he had no right to take my car. He then yelled out the window, Im doing what I was told. At no time did the tow drive identify himself or assert that he had the order or right to tow the vehicle. The driver sped through the parking lot where children and pedestrians were present. The driver breached the peace. Notably, there were two white men in the vehicle, but I was unable to identify them. I did not see any signs on the vehicle. I spoke with the Manager of the restaurant who denied that he called the tow. I also asked for video surveillance of the incident. I started calling tow companies hoping to locate the company that towed my car. I then called the police hoping the tow would be reported. XXXX XXXX Police said that the tow had not been reported and the driver had an hour to report. Meanwhile I continued to call the various tow companies, and told these tow companies had not towed the car. I called the police incessantly and told that the tow was not reported. After several hours I believed that car was stolen, and police believed the car was stolen, but delayed to file the police report, hoping the tow driver would report the tow. However, the tow driver never reported to the police. And on XX/XX/XXXX, Sunday, XXXX XXXX Police called me saying that it believed the car was stolen. The Police asked me to come to the Law Enforcement Center to make the report. But unfortunately, I was unable since I didnt have transportation. So, the detective asked permission to go outside city limits. The detective came to my home and I made a police report on XX/XX/XXXX. I also made a claim to my insurance company. On Monday, XX/XX/XXXX, I received a call from a XXXX XXXX detective who informed that he spoke with Santander. The Detective said that he googled the name of my lender and discovered that Gateway One Lending & Finance was acquired by Santander. The detective said Santander confirmed that it had my car, and that it had been repossessed. The detective gave me the name of the agent that he spoke with, and asked that I call. Also, asked me to confirm that Santander had the vehicle and call him so he could close out the stolen vehicle report. The Detective confirmed that the tow driver did not follow the law that required him to notify the police once they retrieved the vehicle. Also, the detective said that the police should have been informed of the repo order before the tow driver retrieved the car. Also, said the driver breached the peace in the restaurant parking lot, and consequently that tow was unlawful and should have been terminated. Per South Carolina State Law, XXXX, requires that all towed motor vehicles must be reported to the Chief or the Sheriff of the jurisdiction from which it was towed. The XXXX of XXXX records all notifications of towed motor vehicles and classifies them into 2 distinct categories, which include vehicles towed at law enforcement direction and vehicles towed at private party direction. Per Section XXXX, Any time a vehicle is towed by the towing company without the knowledge of the owner or person in possession of the vehicle, the TOWING COMPANY MUST NOTIFY the municipal police chief or sheriff in the countys unincorporated areas within one hour of moving the vehicle. The Detective gave the name of the Santander agent that he spoke with and the ID number. I called Santander and spoke with a different agent who was rude and condescending. She refused to tell me where my car was located, and angrily said that she was trying to collect a debt. I said I had not received any notice from her company. She said that vehicle had been repossessed and that I could only get the car by reinstating the loan. Also, the agent said that I only had until XX/XX/XXXX, to retrieve the car and after that date the car would be sold. I asked for the paperwork regarding this matter, and told that it would be sent. I asked that the notice of intent be sent email because of the time. Notably, Santander did not send a Notice Of Right To Cure Default letter as required by South Carolina. And when I inquired on XX/XX/XXXX, the agent claimed that a right to cure letter was sent on XX/XX/XXXX. However, on XX/XX/XXXX, the Reinstatement Agent, said that it was not required to send notice of right to cure. Also, on XX/XX/XXXX, I spoke with Santanders Executive Office and Reinstatement for several hours and both gave conflicting information regarding the account. Santander said per guidelines it was not required to send Notice of Right to Cure to South Carolina. Also said these notices are system generated and since a notice was not generated meant that Santander was not required by law to send it. On XX/XX/XXXX, I asked for statements regarding the account, and told that I could not get them since the account was charged off on XX/XX/XXXX. But when I spoke with the Executive Office on XX/XX/XXXX, I was initially told that it could not assess the records due to account being closed. But when I pressed the point the statements would have been archived, I was told by the agent that an internal department would have to authorize the release of these statements, and it would take 48 hours. The Agent confirmed the request and said that it would be sent by mail and email. The Agent also pressed that I had until XX/XX/XXXX to reinstate the loan, and wanted to know if I would go forward with the reinstatement. It is apparent that Santander is attempting to intimidate and pressure me to reinstate the loan on there terms. I told him I wanted and had the lawful right to inspect those documents before I moved forward. The bottom line, Santander did not provide a notice of right to cure as required by South Carolina. Also, the Executive Office said the account was past due after XX/XX/XXXX. And Santander reports the delinquency ten days later. So around XX/XX/XXXX or XXXX, the account would have been past due. South Carolina has specific rules governing when and how cars can be repossessed. South Carolina allows repossession when borrowers default. Typically, however, default means a person is 10 days late on a payment. At this point, the lender must send a Notice of Right to Cure informing the borrower that she has 20 days to bring the loan current to avoid repossession. South Carolina Legal Services, After the borrower is 10 days late on your payment, the lender must send a Notice of a Right to Cure in the mail, unless the lender is a credit union. This notice should give the borrower 20 days to repay what the borrower owes before the lender can take the car. If the borrower bring payments current, the default is cured. So, if the account became delinquent on XX/XX/XXXX, Santander was required to send the borrower a Right to Cure notice on XX/XX/XXXX. However, Santander failed to provide notice to the borrower. Notably, one agent claimed that Santander delayed to send the notice to cure because it wanted to work with the borrower. According to Consumer Protection Code 37-5-110, Pursuant to Code of Law of South Carolina, a Notice of Consumers Right To Cure MUST be sent to the borrower PRIOR to repossession ( regardless of the state of origin of the contract ) giving the borrower twenty days ( 20 ) days to cure the default ( Cited by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX SC XXXX ). Lenders have two repossession options in South Carolina. ( 1 ) filing a Claim and Delivery suit against the borrower, and ( 2 ) Self-help repossession, the lender can come and tow the vehicle from any location- - driveway, your workplace, the street or a parking lot. The only stipulation is that it must be done peacefully. South Carolina Legal Services : Lenders can use self-help and tow your car as long as it is a peaceful removal. The law allows the lender to use self-help in repossessing your car, but the law also requires that self-help be peaceful. If the owner tells the repo agent to stop, any further attempt to tow the car is not peaceful. If the repossession continues, the repo agents risk liability for wrongful possession. Also note that the repo agent failed to notify police, but said in his tow report that police were notified of tow. Also, repo agent falsely reported to XXXX XXXX XXXX and Santander that the vehicle was retrieved from XXXX XXXX XXXX at XXXXXXXX XXXX. But reported to his employer XXXX XXXXXXXX XXXX XXXX ) that the vehicle was retrieved from XXXX at XXXXXXXX XXXX, contradicting what he reported to XXXX XXXX XXXX and Santander. Notably, the repo agent did not provide an address for the restaurant, but gave the zip code XXXX, and said in his tow report that the car was retrieved within XXXX County jurisdiction. However, the car was retrieved within city limits, and the zip code for XXXX is XXXX. Notably, the repo agent failed to report that he breached the peace while taking the car, which explained why the repo agent failed to report the tow and incident to XXXX XXXX Police. Pushing, yelling, and getting in a fight with the owner of the vehicle would breach the peace. Or even continuing to repossess your vehicle after you told them to stop, qualifies as breach of peace. And once the repo agent breached the peace, he loses the right to take the car without a court order. You do not have to consent to the repossession of your car, do not use violence, but be persistent and politely tell the repo agent to leave your property. Also note the repo agent reported the retrieval to Santander on XX/XX/XXXX, but never reported the retrieval to XXXX XXXX Police. Also, if the car has already been repossessed, the lender ( Santander ) must send notice of Right to Redeem the car and notice of what the lender intends to do with car ( South Carolina Consumer Affairs ). I asked that Santander send the Notice of Intent, and was told the letter was generated on XX/XX/XXXX, and it could take several days to arrive. Also, the agent advise me to be mindful of the deadline XX/XX/XXXX, to reinstate the loan. I said that on XX/XX/XXXX, I asked for the Notice and told it would be sent regular mail. I asked if it could be sent via email, and the agent agreed to send it by way of email. The Agent asked and confirmed both mail and email address. But when I asked the Executive Office on XX/XX/XXXX, to send the Notice of Intent by email to save time, I was told that Santander was unable to do so. The Agent said their system would not allow them to send email. I noted that I received email regarding XXXX XXXX payment history on XX/XX/XXXX. Santander lies incessantly. Also, Note that Gateway One Lending did not have lawful title to car before it sold it to me on XX/XX/XXXX. Email communications with the owner XXXX XXXX XXXX of XXXX XXXX : you sold me a car that you did not have title to and then strung me along for two months and two payments totaling XXXX, not to mention car insurance and taxes in the amount of {$800.00}. Are you kidding me! State law requires dealers to actually have physical possession of the title. Please spare me that nonsense that you have three months to provide title when you did not have the title in your possession when I purchased this vehicle. So technically, the previous owner still had possession of the vehicle because you did not register title with CA DMV. However, on XX/XX/XXXX, you gave the appearance of registering the title with DMV but did not complete the application because you well knew that you did not physically hold title. I have paid two payments, insurance and taxes for a car that was still under the legal ownership of the previous owner. As stated previously, this nonsense has made me physically ill and I will not continue. I don't care about your situation like you don't care about mine. If you were honest you would not have sold me a car that you did not have physical title to, nor would you have led me to believe that you had title at the time of purchase. You either lied to or were complicit with the bank. I would not have purchased this vehicle on XX/XX/XXXX, if I had known that you did not have physical possession of title ( XX/XX/XXXX ). It's obvious by now that you are not going to do the right thing so you leave me no choice but to make a complaint with the State 's Attorney and DMV first thing Monday morning. I demand the return of money that I paid for a vehicle you sold that you did not have physical possession of title to. I checked with the State and was informed that the seller MUST have possession of title before selling a vehicle. On XX/XX/XXXX you sent me this text ( You had a good experience when I gave you a certified check in the amount of XXXX for a car that I can't register because you can't produce title,. It's amazing how you are trying to flip this and say that I am making a big fuss over nothing. Again, you should have waited to sell the car if you knew that there was issue with the title. Moreover, you should have informed me before I purchased the car that the title would be delayed thus there would have not been the false expectation that I would receive the title soon after purchase. It has been over eight weeks and still DMV has not received title. But, ( I suppose to trust that the title will be here Tuesday ), I won't believe until I see it. I've heard it all and I'm not impressed. I guarantee if the shoe was on the other foot, you would feel the same way. So, don't try to make me feel that I'm acting irrationally. This isn't personal, it's business! So, I'm not interested in sparing your feelings. ) and according to XXXX it was delivered to you as I stated. So why are you so upset? As far as being able to prove that I owned that car before I sold it to you I have all the paperwork to prove that ok. XXXX please understand I bought the car with my cash from the auction got the title and than put it on my credit line all prior to you purchasing it. This is a very common practice among dealers also upon getting you financed I sign a guarantee of title for the bank which completely protects you. I'm sorry you feel I don't care but that's simply not true and I do care about all my customers and there well being. I try to conduct myself in all aspects of my like to the highest standards. Would you be willing to accept XXXX in an agree to disagree kinda way? Please accept my sincere apology for any inconvenience I have caused you : ) I truly would love a scenario where you become happy and excited about your beautiful new car and your belief in me. If you feel you can truly accept my heartfelt apology ( XX/XX/XXXX, XXXXXXXX XXXX ). So what do you think XXXX?? Please don't be offended I'm just trying to come to a resolution : ) ( XX/XX/XXXX, XXXX XXXX ). How about XXXX than? ( XXXX XXXX, XXXX XXXX. ) Ok I'm sending XXXX today I want to be friends again please!! ( XX/XX/XXXX, XXXX XXXX ). What address do you want it to go to? ( XX/XX/XXXX, XXXXXXXX XXXX ). Please XXXX I want to get this resolved fairly in every way. ( XX/XX/XXXX, XXXX XXXX ). Gateway One Lending & Finance sent me the Title Your title and your parts have been sent to you I personally did it!! Your not being fair nor am I out of compliance in anyway shape or form. Why in the world would you think for one minute you've been defrauded in anyway?? In the state of California it can take up to 90 days for the title work to be completed that's the law which in no way have we exceeded that. Now I don't want to argue fuss or fight so please relax and if you don't have your title work done by at least Tuesday than you can proceed to destroy my good name and reputation if it makes you feel better ok. I'm a good guy and we have an honest business we are not out to deceive anyone in anyway .. XXXX we have had a good experience up until now please let 's choose to be kind and thoughtful toward each other. I'm 100 % confident you'll have all you need to go register your car at your local DMV and please make sure they list Gateway One Lending and Finance as the lein holder of record ( The Bank Your Financing ) went through ... Be patient please it's on it's way however because you have a loan on it you won't be able to hold the title you must surrender it to your DMV so they can create a new title in your name with Gateway as the lein holder which they will hold until you pay them off ok. I sent the title directly to you trusting that you will personally deliver to your local DMV ok. I again am very sorry for any inconvenience this may have caused you. And your right nothing personal I can assure you : ). XXXX good morning just following up if you received your title and light yet? ( XX/XX/XXXX, XXXXXXXX XXXX ) Please send me a copy of the registration showing Gateway as the lien holder ok. XXXX good morning can you confirm you have completed your DMV paperwork please the bank is asking me to provide that to them XXXX XX/XX/XXXX, XXXX a.m. ). XXXX did you complete your DMV title work? XXXX, XXXX, XXXX, I am so disappointed,! Ordinarily, I would have discussed this issue via phone but for health sake I thought it best to write my complaint. This ordeal has made me physically sick. I received the Title but I delayed to register because I don't want to be involved in any fraudulent activity. Also, I wanted to inspect the document further. And as expected my suspicions were confirmed. I discovered that this Title was never filed with DMV or within the time frame as prescribed by California law. Also, I noted that you allegedly purchased the car on XX/XX/XXXX much earlier than the date you originally stated. So, it is obvious that there was an issue with getting the Title, which explains the delay with getting the Title to me. Also, this explains why the XX/XX/XXXX California DMV application for transfer of Title was never completed. I guess this explains why you are so adamant about listing Gateway as the lien holder. And when I spoke with the bank, I was told that they were waiting on you to provide them the Title. But, all long I was being strung along to give you more time to get the Title. As I stated previously, you should not have sold this vehicle if you knew that there was no Title on file with DMV. And had I known this information, I would not have purchased this vehicle without that assurance. It's hard to believe that someone would do this to a XXXX vet but when it comes to greed I guess nothing is unbelievable, huh? ( XX/XX/XXXX, XXXX XXXX ). Gateway One did not have lawful title when it sold the vehicle to me onXX/XX/XXXX. Both dealer and Gateway One Lending & Finance committed fraud. Gateway One never registered this transaction with the California DMV. FYI XXXX is my XXXX company and they always lien every title as such I bought it from the auction and I have prove of that. Dealers operate on lines of credit with regards to cars I didn't do anything wrong I was always the bonified owner. What damages do you think you incurred?? The title was never to go to you because you have a lien on it with the bank. If you want to talk please call me because I am very fair and would love nothing more than handling your concerns. Santander does not hold lawful Title to this car.
|
| 04/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Santander Consumer has set the sale of my car for XX/XX/XXXX.
My research shows Santander Consumer has 2119 open, unresolved complaints against them for deceptive, unfair actions at the XXXX XXXX XXXX ( XXXX ) website. The Santander Consumer has a C+ rating at the XXXX. They lost a class action court case, just last year, in XX/XX/XXXX, for unfair, deceptive, and misleading lending practices in 34 States. My complaint is for the same actions, business processes and procedures the court said Santander Consumer was to stop.
The following are Santander Consumer actions : Harassment ( Calling me daily, several times a day. Ignoring my requests when I tell them they are harassing me asking them to stop. ) Lying ( Making a verbal agreement for resuming my car payments. Then beginning repossession without my knowledge. Today Santander tells me my account was too new and I did not qualify for payment arrangements. ) Refusing to verify agreements in writing. The company party line is that the Santander process does not send anything in writing.
Changing my account selection from paperless to paper without my knowledge.
Stopping me from making payments on my account.
Failing to provide proper validation.
Refuse to provide me itemized accounting of the fees.
Refuse to reinstate my loan.
Removing my car at XXXX.
Repossession of my vehicle without my knowing about the repossession activity.
Santander 's actions and repossession of my car are against the following State and Federal laws : State of Florida Statute Chapter 537 Fair Debt Collection Practices Act Federal Trade Commission - FTC Act The Electronic Signatures in Global and National Commerce Act or E-Sign Act The following is an account of Santanders actions that resulted in repossession of my car : My account has been treated improperly and the result is without my knowledge of the lender doing repossession actions my car was repossessed on XX/XX/XXXX at XXXX. Santander claims to care about folks impacted by Convid-19 yet their actions do not reflect this. For me I believe the company has equity in my vehicle and they are trying to swindle me out of my deposit and vested interest in the car I purchased. The following are the wrong actions by Santander : In XX/XX/XXXX I asked Santander to stop calling me every day. This calling is a form of harassment. In XX/XX/XXXX realizing I was going to have problems completing my car payments I called Santander and made them aware that my job had been impacted by the events that are impacting many Americans due to Convid 19 and that I could see I would have financial difficulties for the next few months. Santander staff claimed they understood yet the harassing calls began. Santander would call me several times a day, by different people, asking me for a payment. At first, I tried to work with Santander and allow them their process. But the calling got worse. In XX/XX/XXXX I asked the company to please stop calling me every day ; this calling is a form of harassment. That I am working on a problem that is somewhat out of my control. I expected to resume my payments in XX/XX/XXXX. The Santander staff said they understood and the company would have to wait for me to be able to start making my payments in XX/XX/XXXX. The people who call and make agreements refuse to give a written confirmation of the call. They say it is company policy not to email or send confirmation in writing. This lacks validation of the loan and loan terms. In XX/XX/XXXX, Santander refused my request and continued to harass me with repeated calls so I stopped answering the phone as much. I could not work and talk to Santander all day about the same information. In XX/XX/XXXX, Santander arbitrarily changed my paperless account to a paper account. Then began repossession actions by mailing me a letter for their intent to repossess my car changing my request that all notifications and credit information be provided in a paperless format. I was unaware Santander had changed their mind and were proceeding to repossess my car. When a customer chooses a paperless digital account method a company must send legal documents both to the physical address and to the digital address. Santander refuses to acknowledge any wrong doing. They claim they only send the repossession letter to the physical address that is different than my agreement with the company when I selected the paperless option from their website ( please see attached screenshot of the paperless selection for my account ) The law states the lender must send the legal document to both my physical and my digital address. In XX/XX/XXXX, I went to make my payment and I can not. Santander deactivated my account without making me aware a problem exists. I am unaware Santander began repossession orders on my car. Santander deactivated my account without any message on the sign in page to make me aware there is a problem. I thought there was a technical problem with the website and my account, so I began to email and text the company using my normal methods of communication. Santander claims never to have received my emails or texts. And, a few Santander staff claim they never answer email. Normal communication with Santander is that when you have a question you can ask via email and get an answer. Santander chose not to answer my payment inquiry email. The company chose to not tell me there was a problem for me to make an online payment ; my normal and customary method I had always used. The emails and texts were never returned to me as undeliverable by the web page so Santander did receive them. Not only did the company ignore my requests to make a payment the staff lied by telling me they do not have those emails. When I tell them I have the copies, they tell me this is not so. By their actions I believe the Santander staff wants to make money and nothing else matters. I have been told by most of the staff I spoke to, this is only business. We must make a profit. Yet there is something called ethics and morality in ones business dealings which means you can not lie, cheat or steal from your customer. The staff believes they are in complete legal right to repossess my car. I tell them I am being swindled out of my car by their actions to not inform me they are beginning repossession after we had an agreement when they agreed they would wait. Stopping me from making my payments by deactivating my account and not communicating with me the problem is against the laws and statutes for creditors lending to American consumers. When I hung up with the company rep. in XX/XX/XXXX, I thought Santander and I had an agreement that they would wait until the next month, that was XX/XX/XXXX, for me to begin making my payments. Not once during these, sometimes daily talks, did anyone from the company say my car could be in jeopardy to be repossessed. Not once did the company send me digital communication to my Santander web page portal, my email account or my phone text of their intent to begin repossession actions. When Santander repossessed my car on XX/XX/XXXX at XXXX I had no knowledge of the repossession proceedings. **Please see the attached screenshot of my account Statement and Email notification that shows I have always had paperless billing. This screenshot confirms that my notification with Santander is to be emailed to me for payment information and any other account information. On XX/XX/XXXX I called Santander to make my payment by phone. Talking to Santander I found out they repossessed my car. I had not made a payment by phone because the phone payment has a fee. On XX/XX/XXXX, I decide that even if I have to pay the phone payment fee to make a payment, I will do so, because the company is not answering my emails. I am already angry because of the late fees the lender has added to my late payments. Santander claims there are many options for making a payment. I tried without success to explain to Santander they had not communicated to me the repossession problem on the account, and I was trying to make a payment under the assumption of our XXXX agreement that I would return in XXXX and resume my payments. Santander NEVER communicated with me there was a possibility for a repossession problem. On the morning of XX/XX/XXXX I am 4 months late because of my inability to complete the XXXX payment. On XX/XX/XXXX I make payment arrangements to pay the XXXX payment now, the XX/XX/XXXX payment and the remaining {$330.00}. On XX/XX/XXXX. This would have brought my account to 2 months in arears. Then I planned to pay the additional two months in XX/XX/XXXX. When I am going to make a payment the customer service rep. stops our process informing me there is a repossession note on my account. She claimed not to know information about the repossession process. Before I make a payment I should speak to the repossession department. This was the first I had heard about the repossession. I look outside and my car is gone. On XX/XX/XXXX, at approx.. XXXX, the tow truck, who is from my area, very much aware we are in a Convid-19 hot zone, said he was ready to complete the car repossession but there was a closed order from Santander ; he could not complete the transaction. My car was still on the truck. The tow truck driver said if he did not get the order he was happy to release the car and would not charge me for his trouble of placing the car on his truck. I called Santander repossession department and told the manager this information. I explained I was unaware of the repossession order. I asked the manager to work towards our common goal for Santander to get paid and me to have my vehicle. That I was making the payments that would bring the account 2 months behind and next month I should be caught up on my car payments, the financial hardship I experienced these last few months and to please not add more fees to this problem by completing the repossession. The manager refused. She hung up on me and expedited the second order for the tow truck driver. When I spoke to the tow truck driver he confirmed he received the second order and that Santander was his customer. The next day Santander refused to re-instate my car loan. I am told to retrieve my vehicle I must pay off the entire principal amount plus fees by XX/XX/XXXX. Since the repossession, several staff have asked why I was not given a payments option to stop a repossession. I thought they had. Santander NEVER documented any of our agreements. Even with the repossession they still fail to give me a copy of the accounting for the fees they have tacked on and the final loan payoff amount. Today the company says they do not offer payment options to new accounts. The staff only speaks the party line and that is the company does no wrong ; business is business. The Santander staff knew I would be late on payments and no one ever said anything about a repossession. Today I am told that in XXXX when I talked with Santander they had not begun repossession on the car. Very convenient for Santander to say the agents do not know. The Santander staff harassed me for the first two months with constant calls asking me everyday when I would make a payment. After taking my vehicle Santander says those people were not aware of the repossession. And, they could not make a payment arrangement on my account. Anyone who calls from Santander is a representative of the company and I should be able to trust their words and actions. The fact is Santander changed my method of communication from paperless to paper in XX/XX/XXXX at the moment they began repossession actions. I NEVER received a digital communication alerting me to a problem, possible repossession, with my account. Then sneakily began to repossess the car without informing me in the normal and customary way I have always communicated with the company ; that is stated in my account web page. Since the first day I spoke to the repossession department they said there were 2 options : 1 ) they would keep the car under repossession. And 2 ) I would have to pay off the car loan if I want to get my vehicle back. When I called the next day to make the necessary payments to re-instate the car loan I was told I do not qualify for a re-instatement ; I must pay the entire balance by XX/XX/XXXX or they sell my car. I spent approx. 15 hours talking to various Santander employees trying to figure out the reason why they refused to re-instate the loan when the car payments are a quarter of my income. My monthly income now is {$1700.00}. and the car payments are {$320.00}. Due to Convid-19 my income is not 100 % yet. I hear many excuses, and none make business sense. I had not had a problem with my account before. Convenient for Santander to take my vehicle and not allow me to pay the loan then try to profit from the improper handling of my account. The company actions from the beginning is suspect. There is equity in my new car. Santander stands to make money on keeping the car instead of allowing me to make the payments that would complete our loan agreement. Everyone at Santander pretends they care about people affected by Convid-19. Yet the late fees, harassing calls and now things like repossession of the car at the not normal hour of XXXX plus all those fees that are attached to the problem show the company actions do not match their words. Throughout the entire time I have felt something is off by the actions of the Santander company. I called the Sheriff to ask him what is customary in this situation. The Sheriff told me most of the time the lender allows the tow truck to leave the vehicle and the person must pay the tow truck for their time ; this is customary for our Florida auto loan laws. Santander has been unfair, deceptive, and misleading in their actions towards my car loan. They want to cheat me out of the equity in my car. I consulted an attorney. If I can not get my vehicle back I will see Santander in court. The opportunity to fix my car loss still exists. With the goal that I get my car returned and Santander honor the payment arrangements I made on the morning of XX/XX/XXXX. I kept my word with the Santander staff. I returned in XXXX to resume my payments. Not once was I notified the car was in danger of repossession because the company would renege on their agreement. Now the company wants to feign ignorance and keep my car. I like many Americans was financially hurt by the National pandemic. Santander should not try to gouge Americans in their time of need. The Convid-19 problems were beyond our control. As a company the Santander staff choose not to understand this and continue the party line ; business is business they say this often. I need to trust the people I do business with. My experience so far on this newer car loan does not make me feel trusting of the Santander Consumer company. My research reveals the complaints and Federal level legal problems for this company confirm what I think is true that the company has improperly handled my account. Going forward I want all my communication on this loan written in my account. If Santander and I have payment arrangements I want them logged into my notification or inbox section. I see absolutely no reason not to have clear communication on a bill owed. I have not experienced this level of hidden fees and operation with any other company I have ever done business with.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is my second complaint against Santander Consumer USA and XXXX XXXX please refer to my first complaint # XXXX for additional details for this complaint.
I had a 60 month automobile loan with Santander to purchase a XXXX XXXX XXXX. The loan term began in XXXX with 60 monthly payments due in the amount of approx {$180.00} per month. Since the inception of the loan with Santander I routinely and regularly made payments in excess of the required {$180.00} per month in order to shorten the life of the loan and minimize the interest paid. Since it's inception Santander made it a routine practice to take any additional payment monies received above the required {$180.00} and apply those additional funds to the next months bill, thereby lowering the amount due or eliminating the next payment due altogether. This practice enabled Santander to continue accruing additional interest at 25 % on my auto loan for the duration of 60 months.
Throughout the duration of my loan I never made a single payment beyond the 30-day window to be considered a late payment for credit reporting. If my payments were not received on the exact day due which was the XXXX of every month, Santander would begin collection efforts with auto dial calls sometimes up to five times per day and also immediately charged late payment fees. Additionally, Santander would charge {$10.00} to make online payments with debit cards. As I mentioned at no time did I exceed the 30-day window necessary for derogatory credit reporting.
In XXXX of XXXX I made a balloon payment on my acount of {$1000.00} followed by another balloon payment in XXXX of {$500.00} for a total of {$1500.00} leaving a loan payoff balance of approximately {$430.00} and some change. My loan was not due to mature until the following year in XXXX of XXXX. These balloon payments should have covered my regular payments until XXXX of XXXX in accordance with Santander 's standard practice of applying over payments to the next months bill instead of the principal balance.
In XXXX of XXXX I submitted the final payment due and paid off my automobile loan with Santander and I assumed my business with them was complete.
In XXXX of XXXX while shopping for XXXX gifts for my grandchildren I was told at the register that my XXXX XXXX XXXX credit card had been declined. When I investigated with XXXX XXXX XXXX why my card with a very small balance was declined, I was informed that my credit limit had been reduced due to derogatory reporting to my the credit bureau of late loan payments for my vehicle. I was both shocked and surprised at this development because I have maintained excellent and on time payments on my revolving credit responsibilities.
Upon checking with the three credit reporting agencies I discovered that Santander had reported me as being 30, 60 and eventually 90 days late on my auto loan payments. I immediately contacted Santander and was put into an endless loop of customer service agents and supervisors who all told me that my credit reporting was accurate. I spent hours on the phone speaking to various supervisors and customer service representatives who all confirmed that the company did forward any received over payments and deduct them from the next month 's billing instead of deducting theover payment amount from the loan principal. Despite my efforts to explain that I had made two balloon payments in both XXXX and XXXX to cover my payments for the period of XXXX to XXXX the customer service representatives maintained that the computer was correct.
I filed a dispute with the three credit agencies and informed them that the information contained in the Santander reporting was incorrect. Santander responded to the credit agencies and reported that the information was accurate and my request to have the derogatory information removed was denied. After making numerous additional attempts to speak with anyone at Santander to resolve this issue to no avail I filed my initial complaint with your office on XX/XX/XXXX.
In response to my complaint Santander submitted defamatory information indicating that I had made several " late payments '' which consisted of payments that were made a few days after the actual due date but not one of the payments they noted exceeded the 30-day window that would warrant a late payment reports to the three credit bureaus of 30, 60 or 90 day late payments. As a result of the information received from Santander the credit agencies further upheld the incorrect reporting and made no changes to my credit report. Because this information remained on my account for a total period of 7 months the damage to my credit continued.
My credit score plummeted from XXXX to XXXX. My account with XXXX XXXX was closed, my XXXX XXXX XXXX account was first reduced then subsequently closed, and my XXXX account credit line was significantly reduced as a direct result of the derogatory credit reporting by Santander against me. All the credit agencies cited negative revolving credit obligations as the reason for the closures and reductions. Despite never making a single late payment to any of the creditors in question.
On XX/XX/XXXX I was contacted by Santander 's Office of Consumer Affairs and spoke with XXXX who advised that Santander had made a " mistake '' with my credit reporting. XXXX, stated that the accounting systems used by Santander were " unable '' to account for advance payments beyond a 3 month window so my payments were not accurately reflected to indicate that my payments were up to date and paid until XXXX of XXXX. According to XXXX my payment obligations were so far ahead of schedule that their system simply was not able to handle the information.
As a result of the Santander computerized accounting system limitations my payments in XXXX and XXXX totaling {$1500.00} were not appropriately posted to my account to reflect advance payments. Instead they were only able to apply it across a 2 month period rather than the 8 month period spanning from XXXX to XXXX.
In order to properly reflect my payments Santander would have had to manually update their system two months later to properly reflect the account balance and my 8 months worth of payments. This error was in no way my fault and Santander apologized and XXXX stated that they would notify the credit reporting agencies of their error and make the necessary repairs to my credit reporting.
On XX/XX/XXXX I checked with the credit agencies and found that this information had not been updated. I contracted the office of Consumer Practices with Santander to inquire as to when they would be correcting the derogatory information to the credit bureaus and I was told that it was in process and should be done very soon. I advised them at that time that I had been in the market to sell my home and buy another one and that this reporting was hampering my ability to apply for a home loan and relocate. I was told that I should see something within the next couple of weeks.
On XX/XX/XXXX, a full month later, as I continued to receive letters from my creditors reducing and closing my accounts due to the derogatory information contained in my credit report, I again contacted Santander 's office of Consumer Practices and asked why my credit report was not corrected yet. They advised at that time that they were not sure what happened, that it had " fallen through the cracks somehow '' but they would notify XXXX and assured me that they would get this issue resolved immediately. I again informed them that I have been waiting since before XXXX for this issue to be resolved and that I am unable to purchase a new home with this derogatory information on my credit report. They stated they understood and would make the corrections a priority.
On XX/XX/XXXX I received another notice that my XXXX XXXX XXXX account had been closed altogether as a result of the derogatory credit reporting by Santander. I contacted Santander Consumer Practices and spoke to XXXX she stated she would contact XXXX and get a status on the correction. At that time I requested even a basic email to provide the finance companies as proof that the credit reporting on this loan was inaccurate and that my payments had been made on time. She stated that this is not something that Santander could provide until the changes had been made to their computer system. I stated that I have been held XXXX by this credit report and became tearful and upset at this ongoing issue. She was sympathetic and assured me it would be immediately resolved.
On XX/XX/XXXX I contacted Santander Consumer Practices and spoke to XXXX who stated that my inital complaint case with Santander was closed on XX/XX/XXXX despite the fact that the error had not been corrected in their system and that the case was not resolved. She advised that this is probably the reason that it " fell through the cracks ''. She reopened my complaint case in order to insure that it was completed. XXXX also contacted XXXX to get an update on the status of the correction with the credit bureau. I again begged for an email to provide the finance company and advised XXXX that my fiancee moved to Colorado in late XXXX to early XXXX and that I have not been able to follow him due to the erroneous reporting and my inability to apply for a home loan due to the affect on my credit score. XXXX advised that she would personally follow up to insure that the proper updates were undertaken.
On XX/XX/XXXX I again contacted Santander Consumer Practices and was informed that the updates were submitted to the credit bureau and that a letter was being emailed to me regarding the reporting error.
1 ) This account was paid properly and on time for the entire duration of the loan period. Santander and never once was 30 days late.
2 ) Santander made it a routine practice to apply any over payments to the next month 's bill rather than reduce the principal balance allowing them to continue collecting 25 % interest on the loan amount due.
3 ) The payment amount due for the car was {$180.00} per month. For the duration of the loan I made over payments to reduce the interest period on the loan.
4 ) In XXXX and XXXX of XXXX I made balloon payments totaling {$1500.00} to Santander for the period from XXXX to XXXX.
5 ) Santander improperly applied those payments due to limitations in their computer system and failed to update their systems to reflect the payments as received.
6 ) The loan was paid in full in XXXX of XXXX eight months before the maturity date in XXXX of XXXX.
7 ) Santander provided false and derogatory information to the credit reporting bureaus which negatively impacted my credit score.
8 ) I disputed the derogatory and false information with the credit agencies. Santander told the agencies that their information and reporting was accurate and my dispute for removal was denied.
9 ) My credit was damaged as a result of the derogatory reporting by Santander.
10 ) I filed a complaint with the CFPB in XXXX of XXXX. Santander responded and continued to uphold their position that my payments were made late.
11 ) In late XXXX nearly 4 months later Santander contacted me and informed me that they had in fact made an error in both recording my payments and reporting them to the credit agencies..
12 ) After contacting me Santander delayed repairing the derogatory reporting for an additional 45 days causing even more damage to my credit standing.
13 ) As a direct result of the actions by Santander and their derogatory false reporting my credit score fell from XXXX to XXXX.
14 ) My credit account with XXXX XXXX was closed by the company, my XXXX XXXX XXXX account was first reduced to {$150.00} then subsequently closed and my XXXX account was significantly reduced from a credit line of {$3000.00} to a mere {$1200.00}.
15 ) I was unable to put my home on the market and obtain a loan to purchase another home with my partner in Colorado due to the significant damage to my credit score.
16 ) Despite knowing that they had made this error and informing me of the error ; Santander refused to send a simple email indicating that the derogatory information on my credit reporting was an error to enable me to move forward in applying for pre-approval for a home loan and move as planned.
The actions of Santander materially damaged both my credit and my ability to relocate with my partner to Colorado. Due to the significant drop in my credit rating I was unable to put my home on the market or apply for pre-approval for a new home loan. My significant other is currently living in Colorado and I have lost companionship with him for a period of 5 months as a direct result of this action. Not to mention that this was a very difficult XXXX due to the loss of my daughter and the reduction of my credit lines significantly impacted my ability to provide XXXX for my XXXX young grandchildren who have lost their mother.
Santander needs to make monetary reparations for the damage to my credit report, my loss of companionship with my significant other, the stress and hardship placed upon me by their failure to acknowledge and correct this issue in a timely manner, for their failure to at a minimum provide an emailed explanation to enable me to being pre-approval for a home loan and for the large amount of time that I have spent attempting to correct this egregious error. I am now demanding reparations in the amount of no less than {$250000.00} be paid in remuneration of my losses and the severe emotional stress, pain and suffering they have caused me which I find to be more than reasonable considering the damage they have caused.
In closing I should add that after a serious accident in XXXX that required numerous XXXX and extensive medical expenses I needed to use Santander due to poor credit. I have worked very hard to restore my credit and have made the payments to all my revolving accounts with care and diligence and had restored my credit to a reasonable status prior to this event. I find it disturbing that Santander damaged all my hard work over the past 6 years at the end of my loan term after my obligation was paid in full and I have to question their motivations and if they deliberately sabotaged my credit report in order to retain sub-par lending customers.
While in my case I will rebound in time I would urge the Consumer Protection Agency to look into this matter and see if it is a trend for Santander Customers as well as the ongoing telephone collections using auto-dialers that invaded my privacy up to five times a day starting on the XXXX of the month only 1 day after the payment was " late ''. I find it interesting that the customer service line with Santander identifies itself as a collection agency rather than a customer service agency.
I also question the practice of forwarding payments rather than applying them to principal enabling Santander to obtain additional interest for the loan periods by doing so. It is my understanding that they have ended this practice after my complaint but it still happened to myself and I am certain many many more customers.
|
| 04/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
Purchase Date : XX/XX/XXXX Mileage : XXXX Current Milage on Vehicle : XXXX Driven : XXXX XXXX - We received a call from XXXX that we have approval with XXXX down. We told him we would be there at XXXX XXXX.
We initially went to XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. When we arrived at the Dealership, the XXXX was waiting for us outside with the sign ( SOLD ) in the dashboard. XXXX greeted us at the door and immediately grabbed our keys, and sent us on our test drive. We proceeded with the test drive ; we stopped in a nearby XXXX parking lot because we felt rushed to get in and go. During the vehicle inspection, we noticed a significant crack on the front bumper and proceeded to return to the Dealership. The sales associate, XXXX, greeted us outside, and we advised that we were no longer interested in this vehicle. However, we had a plan band referenced another comparable vehicle that would suit our needs, given the situation with the two trade-ins. This vehicle was a XXXX XXXX XXXX XXXX XXXX. Our sales associate advised that the XXXX XXXX XXXX online was not available. However, he had a significantly better XXXXXXXX XXXX XXXX XXXX XXXX and only a few thousand more. It was a certified preowned, where XXXX performs XXXX point inspection through a series of checks, and this is the best in class preowned vehicle -freshly serviced. We asked if there were any accidents in the Car. XXXX stated this is XXXX ; no CPO vehicles are in accidents, and this CPO XXXX has some of the new vehicle warranty left from the previous owner, and then the CPO warranty will kick go into effect.
After we looked at the exterior, we were delighted. We proceeded with our test drive, and upon our return, we told XXXX we loved the XXXX and would be perfect for our family and would like to move forward. As we sat down at his desk, we asked if he would provide us with the XXXX report. He said yes, he would pull that for me once we finish up some of the paperwork for our trade-in vehicles.
Shortly after we finished with the remaining paperwork and provided our insurance information, he advised that we could wait in their waiting area until Financing was ready for us. But it may take a while because they had a lot of people ahead of us.
An hour and a half have gone by, and it's XXXX PM ; XXXX brings us the XXXX XXXX Order - Consumer Copy, a printed copy of all the service records for the vehicle, and lets us know that it shouldn't be too much longer.
Another 40 minutes go by, and we are finally called in to sign our financial documents. At XXXX PM, a call was made to my father to authorize the payment for his CC. We finished by XXXX PM and called my father to talk about our Day and the new Car.
XXXX : XXXX, XXXX We could not remember if XXXX provided us an actual XXXX report for the XXXX XXXX XXXX. We do not believe XXXX provided us a XXXX report XXXX After contacting XXXX, they said we did sign a XXXX report that was not included in the copy of the signed documents provided to us by XXXX, and they did not offer a XXXX report. Instead, what was provided to us was the Service Order - Customer Copy that showed the Car was a CPO XXXX XXXX. I went to the XXXX website and purchased the XXXX for our VIN.
- There was a minor damage accident report on our VIN on XX/XX/XXXX - There was not a Certified Pre-owned Sticker on our Report XXXX - XX/XX/XXXX XXXX calls us and says he needs the gift funds donor to fill out this CC authorization form immediately and send it back to us ; we also let him know that we left our OBD Hum devices in the XXXX and XXXX. He ensured us that he had our XXXX XXXX devices and would drop them off at our residence. While also pressuring us to post a glorifying review for him. After We sent him a screenshot of the 5-star review and our residential address, he reassured us we would get our devices by Friday, XX/XX/XXXX, but he has been backed up at the office with other deliveries.
- We have images and text from XXXX.
XXXX - XX/XX/XXXX I called XXXX and left a voice mail advising that we were experiencing problems with resistance while turning at slow speeds. It seems to be related to the rear driver side.
- We have call records for XXXX and Text.
XXXX - No callback or contact from XXXX.
XX/XX/XXXX - XX/XX/XXXX We took our first trip out of town to work for our Nonprofit, and during our trip, we immediately noticed the resistance getting worse when accelerating the XXXX at slow speeds during our return home. The XXXX started burning through an immense amount of fuel.
XX/XX/XXXX - We decided to book a service apportionment with XXXX. Contacted XXXX to make an appointment on XX/XX/XXXX for Service scheduled at XXXX.
- We have messages showing appointment confirmation.
XX/XX/XXXX Contacted XXXX to follow up on my upcoming appointment regarding having a loaner vehicle ; XXXX confirmed the proper paperwork was in place and no other information was required.
XXXX I called XXXX 3 days before our appointment confirming the appointment with XXXX on XXXX and notifying Service that I needed to add having our XXXXXXXX XXXX XXXX updated. They informed me that they were unable to find my appointment for XXXX.
I provided both phone numbers that the appointment might be under. The XXXX team member was unable to find an active appointment. Which required us to schedule a brand new appointment and the earliest availability was two weeks until the first available - XX/XX/XXXX at XXXX AM.
XX/XX/XXXX While stopping for coffee on the way to the Dealership, I received a message stating Oil pressure was critically low ; please turn off the XXXX and do not leave it idle.
I dropped the Car off at the Dealership, and they advised it was not due for an oil change and was recently serviced. I informed the representative of on the situation that happened on my way to the Dealership. Also, Friday, XX/XX/XXXX, I put XXXX dollars of gas in the tank, which indicated XXXX miles were in the tank until empty. Throughout XXXX XXXX, the total distance traveled was around XXXX miles, with average driving speeds. On Monday, XX/XX/XXXX, the tank was XXXX miles until empty. Not to mention the issue with the resistance while turning at a slow pace was getting increasingly worse.
XX/XX/XXXX They are still working on the XXXX, they have ordered the part, and it looks like it will be there today. I asked him to call us and tell us precisely what the issue was.
XX/XX/XXXX I received the wrong valve, reordered, said I would call, and did not call yet.
XX/XX/XXXX They changed the oil value that was giving us low pressure. The error is still present, and the tech is working with XXXX directly. Not sure what the issue is, and I expected it to be resolved soon.
XXXX XXXX XXXX XXXX to advise how to proceed with my family 's upcoming trip to Georgia for XXXX. He stated we would not be able to travel out of state, and he would book us a rental vehicle with XXXX. I mentioned that my family and I need a car comparable to the XXXX because we have a XXXX XXXX while traveling and working for our nonprofit organization/ remote jobs.
XXXX XXXX - I just spoke with XXXX waiting for them to get back to him.
XXXX XXXX XXXX as we never received our HUM devices from our previous vehicles that he ensured he would deliver to us. We asked at this point if we could have them mailed to us.
XXXX replies and states he is in XXXX and no longer with the company and that he does not live in XXXX anymore.
We asked if he left them with anyone at the Dealership ; he read the message and did not respond.
XX/XX/XXXX Call to leave and left voicemail for XXXX regarding the status of our XXXX XX/XX/XXXX XXXX - Hey, they are still working on our vehicle ; he informed us he has not been able to make contact with XXXX and asked for dates for the trip again. I tried to give XXXX a call today, but they seem busy. I have a reservation in for you. I just want to make sure it's a XXXX or XXXX. I will try again with them tomorrow morning. Please confirm the dates with me again.
XX/XX/XXXX XXXX - The XXXX reservation confirms for XXXX for midsize XXXX.
Please bring the loaner to the Dealership, and they will take me to XXXX.
XX/XX/XXXX I ask XXXX which XXXX location is our reservation at? I have loyalty member benefits at certain locations. I will bring the loner back first thing Friday morning. Has there been any progress identifying the issue with the XXXX XX/XX/XXXX XXXX : It has to be the one at sunset point, which is down the street from us. I will cover the enterprise costs for you, so don't worry about that only thing you'll have to pay for is gas, tolls, parking, etc.
Regarding the XXXX not updates yet.
XX/XX/XXXX I called XXXX that afternoon to verify that the appointment is booked and confirm the vehicle type. He informed me that we were booked for a XXXX XXXX which is too small to transport my family. He said to let him make a call and see if he can pull anything else from lots nearby. He called us back and said the best he was able to get was a XXXX. I replied and let him know that would be OK.
XX/XX/XXXX I told XXXX I had a last-minute meeting at XXXX AM. I will be at the Dealership around XXXX PM.
XX/XX/XXXX XXXX- Confirmed the rental is ready for me.
I proceeded to the Dealership during my call and returned the loaner, and noticed our Car still had not moved. After receiving the loaner, a service team member quickly took me to XXXX. After arriving to pick up my rental, the XXXX was not cleaned or prepared for the trip. Second, the XXXX dealership would not cover the additional cost per day ( $ XXXX ). I confirmed that they would accommodate a vehicle large enough to transport our family to GA before going to XXXX, but there were no large available XXXX. I ended up canceling our reservations and had to request an XXXX back to the Dealership.
Returning to the Dealership, I asked to speak with XXXX. He was not there, so I asked to communicate with the service manager, and I made her aware situation and what was going on ; she stated that because our XXXX was an upgrade, that is why XXXX was charging us. We do not believe a XXXX is comparable to a XXXX, and my family and I have been in and out of 3 different XXXX loaners within the past month, and now I am being charged {$540.00} for an upgrade charge for a XXXX.
Service Manager - She said she does not think XXXX XXXX is comparable to a XXXX, and {$90.00} a day for an Enterprise XXXX is crazy. She told me to sit tight, and she would visit the shop manager to have him update me on the status of what was going on with our XXXX.
Service manager - give me a jacket for my Fiance for our troubles.
Shop Manager - I explained the situation to him, how now my family 's trip is pushed back. Say they are changing the long block and waiting for the part to come in and could be ready by Monday or Tuesday. I said they needed to cover our trip because this was unacceptable. He said if the Car is not ready and they can not book a full-size XXXX, he will cover our rental expenses by booking it through my loyalty account. I agreed and I informed him I was recording our recap of what he acknowledged. I proceeded to take a voice recording with them, confirming they would follow up with us Monday, XX/XX/XXXX, if our Car 's part was in and would be ready by Tuesday, XX/XX/XXXX for our trip. If not, they would book through XXXX a full-size XXXX. Suppose they are unable to find a Rental at XXXX. XXXX agreed to cover my rental price through our loyalty program for 4-5 days rental days. He agreed, and they gave us another loaner, a XXXX this time.
XX/XX/XXXX They had failed to contact us by this point. We called them at XXXX AM, and they had informed us that the part did not come in and our Car was not going to be ready. They said they would ensure that they find an XXXX suitable for our trip through XXXX.
We waited until the next day for them to confirm. We were already supposed to have left for our trip. They could not accommodate a vehicle through XXXX that could transport my Fiance, my dog, myself, and my son, and they would not cover our Rental booking. We asked if they would cover flight arrangements instead. They rejected this idea and did not offer any additional solutions. We were forced to make our own arrangements by booking out-of-pocket for our Car through XXXX to facilitate the trip. Which left my Fiance and dog at home for this XXXX XXXX.
XX/XX/XXXX XXXX 's text : " hello after we change all the parts and followed XXXX guidelines the next step advised by XXXX is to change the long block we will be able to get an update on parts on Tuesday due to the upcoming holiday. '' XXXX I reached out to XXXX for an update on our vehicle and if I could grab my vaccination card left in our XXXX. Upon arriving the next day, our XXXX looked like it had not moved at all, and he informed me they were still waiting on parts and that it would most likely be the first of the new year XXXX before the XXXX would be ready.
XX/XX/XXXX XXXX 's text : " Hello, want to reach out to you. We are still waiting on the long block to come in. '' Still waiting for the block to come in No contact from XXXX XXXX or XXXX at all from XX/XX/XXXX until XXXX Left XXXX XX/XX/XXXX The family visited the XXXX dealership, Car had not moved texted XXXX for a progress update I called and left XXXX, no response XX/XX/XXXX revisiting XXXX XXXX dealership, Car has not moved, no contact from XXXX or XXXX by this point XX/XX/XXXX XXXX says they are finishing up and getting ready to put the new engine in. He sends me a picture of the XXXX RENTAL COST OCCURRED : {$1800.00} Rental Date : XX/XX/XXXX - XXXX Rental Charge : {$540.00} Rental Date : XX/XX/XXXX - XXXX Rental Charge : {$390.00} Rental Date : XX/XX/XXXX - XX/XX/XXXX Rentals Charge : {$320.00} Rental Date : XX/XX/XXXX - XX/XX/XXXX Rental Charge : {$620.00} Update : We picked up our XXXX from XXXX XXXX on XX/XX/XXXX. It was in the shop for five months.
- I submitted the rental reimbursement to XXXX, and after three weeks and no response, I called to speak with the manager, and he said he would only cover {$820.00} in the rental cost.
- I also advised we are still having issues with resistance in the rear axle and electronic problems with the windows malfunctioning. This was a new problem that was not present when we brought the XXXX in for Service 5 months ago.
Update : XX/XX/XXXX : I called in to make a service appointment due to the resistance with the rear axle getting worse by the day, and we recently had a malfunction with our rear tale lights, shutting off and preventing us from driving at night.
Lastly, we requested our auto lender " Santander Consumer USA, on XX/XX/XXXX, for our Sales Contract, and they never sent us the request. I followed up with them today, XXXX/XXXX, and submitted another request to have our Sales Contact sent over.
|
| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Subprime auto loan - Lender : Santander Consumer Finance Purchase date : XX/XX/XXXX *secondary resigning of finance contract on XX/XX/XXXX. Finance Amt : {$31000.00} APR : 22.05 % Terms : 72 months / 6 years Monthly Payment : {$780.00} down payment : {$2500.00} & no trade two additional contracts were included in the finance contract signed the second time on XX/XX/XXXX, they included a GAP insurance policy adding {$640.00}, along with an extended warranty plan for {$3300.00} both of which were approved to be included in the financed amount by Santander adding them onto the top of my loan amount & charged 22.05 % interest rate. The dealership finance manager informed me that Santander required both of those items to be included in the loan as a condition for my approval -- -mind you this happened when I was asked to come back in on XX/XX/XXXX to resign the finance contract that had minor term changes primarily being the payment amount and due date but when I was sitting down to resign the revised contract the two additional contracts were added in, with the above explanation given to me as to why the resigning and changes in terms occurred. Not anything I could do at that point to attempt to have some leverage I had totaled out my other vehicle and had been driving the used but new to me vehicle for two full weeks & had no other transportation source, while already having paid {$2500.00} down payment, with the reason being that the two additional coverage contracts a requirement by Santander in order to approve the loan- I just had to accept it for what it was at that point. I was in the weaker spot to stand up against this wrong for what was right.
my monthly payment obligation was ; {$780.00}, a much larger payment than what I had on my prior car I totaled, that payment was $ 340 month, now I was liable for double that amount every month.
Below is an outline of my payment history up to the point I was forced to file a XXXX XXXX to avoid having the vehicle repossessed. The very date I was told if I did not have {$1600.00}- which was equal to two payments & two late fees, then by XX/XX/XXXX my vehicle would be dispatched for pick up on a repo. Payments due on the XXXX of each month ; YearXX/XX/XXXXmonth Payment amt paid Date payment made How payment reported to be applied to my balance XXXX {$820.00} XX/XX/XXXX w/late payment I paid the late charge as apart of that XXXX so XXXX {$39.00} late fee. payment made was applied ALL towards interest nothing applied toward principle no late fee paid from the XXXX paymt XXXX {$820.00} XX/XX/XXXX none of my {$820.00} was applied to the principle nor the late fee paid XXXX {$850.00} XX/XX/XXXX {$230.00} applied to principle no late fee paid -- i paid it in my paymt XXXX {$800.00} XX/XX/XXXX {$220.00} applied to principle no late fee paid -- no funds for late fee XXXX {$880.00} XX/XX/XXXX {$210.00} applied to principle no late fee paid- I paid it in my paymt XXXX {$760.00} XX/XX/XXXX none of my {$760.00} was applied to the principle - no funds for late fee Year : XXXX XXXX Deferment approved for defer Late fee of {$39.00} was billed to my account, payment deferred XXXX XXXX {$850.00} XX/XX/XXXX none of my {$850.00} was applied to principle- paid late fee-not applied XXXX {$900.00} XX/XX/XXXX {$22.00} applied to principle {$870.00} interest-paid ate fee-not applied XXXX {$610.00} XX/XX/XXXX {$57.00} applied to principle {$550.00} interest-paid late fee-not applied XXXX Deferment approved for defer Late fee of {$39.00} was billed to my account payment t, deferred ma XXXX {$900.00} XX/XX/XXXX none of {$900.00} was applied to principle - late fee paid not applied XXXX {$390.00} XX/XX/XXXX None applied to principle - late fee not paid by paymt - billed acct XXXX {$200.00} XX/XX/XXXX None applied to principle - late fee already billed on XX/XX/XXXX paymt XXXX {$1200.00} XX/XX/XXXX {$590.00} principle paid+ {$30.00} misc fee + {$39.00} late fee billed XXXX- {$1200.00} XX/XX/XXXX RETURNED PAYMENT BY BANK that XXXX payment was effectively {$780.00} + {$410.00} towards XXXX payment due leaving {$370.00} due for XXXX returned XXXX No payment made - received a letter from Santander stating that I had until XX/XX/XXXX to submit {$1600.00} or after that date if that payment amt is not made the car will be dispatched for pick by a repo company. Only option I had at that time in order to ensure I maintained my source of transportation was to enter into a XXXXXXXX XXXX bankruptcy - the car ( outside of some minor bills that I included in the case ) was the primary reason and only real reason I moved to file a chp XXXX the payments were unmanageable i am on a fixed income on XXXX from XXXX every month. that is why I had trouble meeting that obligation of nearly {$800.00} a month. Once my XXXX XXXX was filed it was mainly to be able to catch up on the past due payments and also ensure I kept my vehicle to be sure I had a form of reliable transportation. Filed my XXXX case XX/XX/XXXX, the same day that Santander informed me that if I did not have the {$1600.00} payment made my loan would go into default status and the vehicle would be scheduled for repo. I began making payments in my case starting in XXXX and have made every monthly payment ( not easy but I have maintained each payment in my case on time and at the amount due. Thus far I have paid {$16000.00} into my Santander claim with a balance due of {$18000.00}. not including the 7.5 % interest rate that is also paid monthly as well. Santander maintained their position as the lienholder and lender until approx. XX/XX/XXXX at which time they SOLD the loan to XXXX, whom is a debt collection firm, who in turn transferred the servicing rights to XXXX a debt collector agency who services charged off accounts/loans from lenders. Santander ironically SOLD my loan off to XXXX because Santander was 1. involved in the class action lawsuit ordeal which my loan meets the criteria to qualify for some form of restitution and relief in the settlement remedies issued. but Santander has written my loan off as a charge off account, and sold it at a significant discount to XXXX who has XXXX assigned as the servicer. I contacted both Santander as well as the settlement firm that has been hired to administer the lawsuit claims and manage the consumers that receive restitution in the settlement, and both of the companies were useless in helping me find resolution and answers as to confirmation that my loan qualifies and what type of settlement will I be due. Santander no longer has my account information in their system bc the loan has been fully charged off from their books as of XXXX and it was subsequently sold to XXXX a debt buyer for charged off auto loans from Santander. I then proceeded to contact XXXX regarding my eligibility to participate in the class action settlement based upon the criteria set forth in the class action terms and conditions; informing the XXXX agent that my loan met all the required items needed to be eligible for the settlement. Rightfully so, my loan obtained from Santander in XX/XX/XXXX is the primary and number one reason I am in a XXXX XXXX bankruptcy presently. XXXX customer rep informed me that he would not be able to provide me with any information relative to my loan being apart of the settlement and suggested I have my lawyer call them for further insight. I then called the third party administrator ; XXXX XXXX who told me that if I did not receive a post card or email in XXXX XXXX timeframe then they do not have any means to check if my loan is included in Santander 's list of consumer auto loans which meet the criteria for inclusion in the settlement restitution. They told me to contact Santander directly. I then gave Santander a call a second time to see if I could get someone more knowledgeable or at least willing to put more effort into helping me to find out if my loan met their criteria and how I would go about pursuing a claim. The gentlemen I spoke with did seemingly appear to try to find out this information for me, but no luck in finding a definitive answer for me. He suggested that I contact XXXX consulting the third party administrator whom he said would be able to check the records to find out if my loan was indeed on the list of consumers whom were listed in the settlement. Because I highly respect the CFPB and it's mission and results achieved since being formed, also having personal experiences in working with your organization in the past seeking assistance to resolve other consumer financial matters and having them resolved in the right kind of manner and with upmost success and fairness in upholding the laws and legal aspects of consumers and financial related matters that have wrongly affected them. I have the upmost confidence and belief in the CFPB from past history and felt that your organization could be a useful resources that I could leverage next to get to the bottom of this problem. You are results oriented and one of the very few govt groups that actually take these matters seriously and prove it by the results your staff obtain in the resolution of consumer complaints filed with your team. I am once again leaning on your organization for help in resolving this complaint and helping me find the fair and just resolution to ensure I am treated accordingly and not being taken advantage of due to my bankruptcy circumstances being that I filed a XXXX XXXXXXXX on XX/XX/XXXX not by choice but out of mere desperation because of the fact that the santander consumer auto loan put me into a financial bind that I was not able to find my way out of at the time.
I read over the settlement summary as it contains the criteria that a consumer must meet in order to qualify for one of the three restitution awards that Santander has funded for certain types of relief based on the criteria a consumer loan must meet in order to be eligible for such specific relief measures.
Santander is using the bankruptcy case I filed as of XX/XX/XXXX as a measure to charge off the loan and then further to that they chose to sell the charge off debt to a bad debt buyer ; whom is listed as an official collection agency who specifically buys bad debts that have been defaulted on, charged off by the originating lender and left for holding the consumer to the rest of their original contract terms for collecting the remainder of the balance due as per the contract terms. I have a hard time being able to reason with the idea that Santander whom originated an unfair setup to fail from the beginning putting me into a negative subprime auto loan which went into an official default with Santander as of ; XX/XX/XXXX, the same date I filed for relief and protection under XXXX XXXXXXXX no other choice but that route at the time.
Another " Irony '' in this matter, XXXX acquired the charged off loan from Santander on XXXX, Santander decided to charge off the loan as of XXXX, once XXXX acquired the loan, they then created a new account number, detaching from the Santander account number which was the key component as to how Santander and XXXX the administrator of the class action settlement, would utilize in order to identify my loan as qualifying for the settlement and to execute the necessary communication to notify me of this action and what the remedy would be that my loan criteria met. The date that Santander and XXXX began notifying the consumers whose loans qualified for the settlement were initially contacted on XXXX. This is the exact date that XXXX assigned my " file '' to XXXX portfolio services whom would be servicing my loan. the same date of when santander began initiating contact with consumers whose loans met the criteria to receive settlement. that is outside of just being a mere coincidence., its financial trickery at its finest in my humble belief. And a new account number was created before XXXX received the file on the loan. In my opinion after reviewing the facts and figures of these series of events, I think Santander knew my loan had just less than one month well before any hearings or plan was even close to being confirmed, they knew that the easy way out was to pass the buck so that i would not be in a line of sight to be able to make contact with to notify of the settlement and how my loan would be handled.
Last point I would like to bring to your attention is the manner in which Santander managed my auto loan accounting details was far from any standard that they are required to adhere to in order to minimize and avoid taking advantage of an average consumer. Nearly half of my payments made monthly were never used to pay towards the principal, they were applied towards the interest portion of the loan which the other half of the payments made had the expected principal applied. I made the payments late each month but once again when I did pay the bill, which was generally about 10 days or so past the actual due date due to conflict with when the payment was due and when I was paid didnt XXXX. I always added an extra {$40.00} bucks to cover the late fee that I knew I would assume by paying the bill later than the grace period but not past 30 days at first. Never not one time did Santander ever use those funds to settle the late charges they continued to add to the late charges cumulative total and kept increasing late charge totals month after month and never applied my extra {$40.00} to cover the late charges as I had instructed them to. They instead used that extra money I was paying thinking I was paying the late fees so they didn't rack up and build a bigger problem, they used those late payment funds to apply towards their interest fees. my APR was 22.05 % - of which is about the same as a credit card - I probably could have gotten a credit card cheaper than that rate, I am going to attach all of my documentation which will provide proof of my claims and statements made pertaining to Santander and my subprime auto loan that landed my in a XXXX bankruptcy simply because of this loan it being the root cause of my filing protection.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been disputing my credit report account information as inaccurate and reporting errors with XXXX, XXXX and XXXX. I found out about the alleged debt when it was to late. I did not have any knowledge nor did I receive any notifications of the alleged debt. XXXX removed all errors and inaccurate information.
XXXX and XXXX are still reporting errors and inaccurate information.
Ive contacted both credit bureaus XXXX Credit Bureau and XXXX Credit Bureau numerous of times and disputed those errors and inaccurate information thats remaining on my credit report. Ive also asked them to validate the debt, both credit bureaus have come back to me and stated they were able to verify and validate this debt. How is this possible? Under the laws of the FDCPA, I have contacted both collection agencies myself and have been unable to get them to verify that this is indeed my debt with physical documentation.
XXXX is reporting errors and incorrect information with the creditor XXXX XXXX XXXX as in late payments. I was never late on this account. I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are XX/XX/XXXX. They have the XX/XX/XXXX scheduled payment amount of {$520.00} and the amount of {$520.00} was paid on XXXX XXXX. How was I late and what proof do they have to validate this. This is an example of errors and inaccurate information. The other inaccurate late payments XXXX is reporting is as follows, XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX.
Not only was I never late on this account, As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what XXXX XXXX the furnisher sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. XXXX is reporting the following for the creditor XXXX XXXX : Account Name XXXX XXXX XXXX, Account XXXX, Account Type Auto Loan, Date Opened XX/XX/XXXX, Responsibility Joint with XXXX XXXX, Status Paid, Closed.
Status Updated XX/XX/XXXX, Balance- ( blank ), Balance Updated- ( blank ), Recent Payment- ( blank ), Monthly Payment {$0.00}, Original Balance {$20000.00}, Highest Balance {$0.00}, Terms 66 Months.
XXXX is also reporting errors and incorrect information with the creditor Santander Consumer USA. Santander Consumer USA is also rude and non complaint to my disputes. I know Santander had a class action lawsuit including a settlement. ( A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA XXXX. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ) Santander Consumer USA was also ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ). According to the consent order it states Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent. With that being said XXXX did not report any payment history from XX/XX/XXXX-XX/XX/XXXX but listed payment history in XX/XX/XXXX as agreed/ paid on time. Why is XXXX not reporting the payment history when this alleged account open date was in XX/XX/XXXX. XXXX intentionally left it blank and is reporting inaccurate information. XXXX must retain the delinquency date connected to the original charge. XXXX is in violation of the law by reporting inaccurate information. XXXX is also reporting the following for the creditor Santander Consumer USA Account XXXX SANTANDER CONSUMER USA, Date Opened, XX/XX/XXXX, Account Number XXXX, Account Type Auto Loan, Responsibility Joint with XXXX XXXX, Status Account charged off. {$13000.00} written off {$18000.00} past due as of XX/XX/XXXX.
Status Updated, XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX, Recent Payment {$0.00}, Monthly Payment {$0.00}, Original Balance {$20000.00}, Highest Balance {$0.00}, Terms 84 Months, On Record Until XX/XX/XXXX.
If the account was opened XXXX XXXX and the original balance was {$20000.00}. Why do I still have a balance of {$18000.00} in XX/XX/XXXX. So this is stating and XXXX is reporting after 5 years the exact and only amount paid on this alleged debt was a total of {$2000.00}. XXXX is in violation of the law by reporting inaccurate information.
XXXX is also reporting my personal information in error and inaccurately. Ive disputed these errors and incorrect items on my credit report numerous times and provided documentation of my one and only address and your company still failed to remove and update this incorrect information. The items showing errors and reporting incorrectly is : The address of XXXX XXXX XXXX XXXX XXXX, La XXXX and XXXX XXXX XXXX XXXX XXXX, La XXXX. I can not receive any mail from the United States Postal Office at either address.
My correct address and the only address I reside at is XXXX XXXX XXXX XXXX XXXX, La XXXX please update.
My correct date of birth is XX/XX/XXXX ( XXXX ) please correct and update. I Ive provided supporting documents, my original Louisiana birth certificate, my Louisiana Drivers License, my social security card, my W2 and a copy of an utility bill. Please reinvestigate these and delete and correct the disputed items as soon as possible.
XXXX also have 3 inquiries that need to be removed. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquired on XXXX XXXX, US SM BUS ADMIN ODA inquired on XXXX XXXX and US SM BUS ADMIN ODA inquired on XXXX XXXX to determine who requested this credit inquiry.
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed to my mailing address XXXX XXXX XXXX XXXX XXXX, La XXXX If you find that I am in error, then please send me proof of this.
This is a clear case of unverified debt here, In this event XXXX can not verify or validate the item pursuant to the FCRA, and the company continued to list the disputed item on my credit report. I will find it necessary to sue for actual damages and declaratory relief under the FCRA. I urge XXXX to remove this item before I am forced to take legal action. I will find it necessary to sue for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. In addition I know that the XXXX XXXX agencies ( XXXX and XXXX they actually earn money when you dispute inaccurate items on your credit reports.
The Credit Reporting agencies do not widely publicize this fact, but it is true nonetheless.
I look forward to an uneventful resolution of this matter. I need XXXX to validate the debt as in providing physical documentation as in the original contract bearing my signature with proof that my name is listed as being primary of the account, a detailed list of the payment history from the first date the account was open beginning in XX/XX/XXXX and to include all the payment history from XXXX XXXX. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please validate or remove from credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what Santander Comsumer USA the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report.
XXXX is also is reporting errors and incorrect information with the creditor XXXX XXXX XXXX as in late payments. I was never late on this account. I have disputed this error and inaccurate information and I have asked XXXX to validate the account by sending me physical documentation as in the original signed contract bearing my signature including the amount of the monthly payment and the monthly payment due date, copies of the original cashed checks used for bill payment including the dates, bank statements showing my payments including the dates. The dates of the alleged late payments are as follows XX/XX/XXXX and XX/XX/XXXX, XXXX through XXXX of XXXX, XX/XX/XXXX, XXXX through XX/XX/XXXX and XX/XX/XXXX. XXXX is reporting the following for the creditor XXXX XXXX : Date Opened XX/XX/XXXX, Monthly Payment {$0.00}, Responsibility Joint Account, Account Type Installment Account, Loan Type AUTOMOBILE, Balance {$0.00} Date Updated XX/XX/XXXX, Payment Received {$2500.00}, Last Payment Made XX/XX/XXXX, High Balance {$20000.00}, Pay Status Current Account, Terms {$0.00} per month, paid Monthly for 66 months, Date Closed XX/XX/XXXX, Remarks CLOSED.
Please validate or remove from credit I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what XXXX XXXX the furnisher sent to the credit reporting agency XXXX as evidence or any physical documentation that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report. You have 30 days to send me physical and verifiable documentation if not Please remove these accounts immediately from my credit report.
|
| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The Consumer Financial Bureau received a response back from Santander Consumer USA and closed the complaint under complaint number XXXX as account closed with monetary relief. After not receiving a refund or any monetary relief, I contacted the Consumer Financial Protection Bureau twice on XX/XX/XXXX in reference to monetary relief being received. I was advised that I could contact the company and if no resolution is given, then I can file a new complaint. The response states the company Santander made an adjustment to the account and reflected the balance it as write off in order to close the account. Monetary relief is a protection available to trademark owners under the Lanham Act. Monetary relief includes provable damages, attorneys fees, corrective advertising costs, defendants or plaintiffs lost profits, prejudgment interest, punitive damages, reasonable royalty, or treble damages. This is not what Santander Consumer provided. New evidence provided, in the response Santander provided they performed a write off for the amount which the Consumer Financial Protection Bureau indicated as Bad Debt. Just to clarify the history of the account, the account originally belonged to XXXX XXXX from XXXX until XX/XX/XXXX. Effective XX/XX/XXXX, is the date Santander acquired the account where the payments were made to them. First and foremost, allow me to specify collection of the debt and the balance due for Santander Consumer begins on XX/XX/XXXX, and not prior. Santander Consumer 's was only and hx shows attempting to collect a debt starting XX/XX/XXXX, where the balance starts at {$7500.00}. The hx of this account is that everything prior to this date was based on agreements handled with XXXX XXXX, where it was worked with the VP of XXXX XXXX. The hx of the original agreement was XXXX XXXX was the original lender of the XXXX XXXX, and they assisted in negotiating the deal at the dealership XXXX XXXX XXXX XXXX. There were 2 sales agreements, the first agreement reflected like I didn't have a trade in, which would have resulted in the XXXX XXXX being financed for more than the trade in. XXXX XXXX told the dealership they could not cash the original check, because they didn't give me anything for my since I was trading in my vehicle, if they could pay off the vehicle in a separate check, then they could use the entire financing amount towards the vehicle, and the loan agreement would not be upside down. The trade in had a negative balance, which was higher. But, they agreed to issue a separate check to pay off the vehicle which was a XXXX XXXX XXXX. That vehicle was paid off to financing company XXXX XXXX. I trade in the vehicle, in addition to this I paid a downpayment of {$2500.00}. Also on that trade, the interest was above the legal limits in florida. The dealership was advised to submit a seperate sales agreement to the lender in order to cash the check. However, XXXX XXXX financed the loan under the original loan agreement falsifying that I didn't have a trade in, and there was no down payment. The XXXX XXXX financing agreement was based on the first sales agreement, like was paying for 2 vehicles, when i was only paying for 1. On top of that XXXX XXXX was financed as an upside down vehicle, and it was a discontinued vehicle which serious mechanical issues. I went back and forth with XXXX XXXX on this and worked it, where I approved There, was no negative balance that should have been rolled over into the loan to make it appear like I was paying for 2 vehicles because I was only paying for 1 vehicle which was the XXXX XXXX. The way the loan was written, based on the original sales agreement, made it appear like I didn't have a trade in, when the check XXXX XXXX 's subsidiary company XXXX XXXX received was a separate check that paid off the vehicle trade. This resulted in the XXXX XXXX which was a lemon, and a discontinued vehicle being financed above the market value. As my result in working out the agreement I turned it in as a voluntary repossession, I requested the account balance to be forgiven, they stated they could not at the time. The most they would could do is write off the interest. I would agree to pay {$80.00} a month and that would be applied to the principal only. They would remove the account from my credit report. After 6 months to a year they would re-evaluate if they could write off the principal balance. I agreed and this was being handled off the books. This agreement became effective in XX/XX/XXXX, which is why account hx shows when these payments start in the hx XX/XX/XXXX, in the attachment from the response from Santander. I continued to make payments to XXXX, and see nothing being in the interest or principal field because my agreement with them. From XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX, those payments totaled to {$1900.00}. In addition to what the car was sold that was {$1300.00}. This left a balance of {$7900.00}, which when Santander Consumer USA acquired it in XX/XX/XXXX, their account balance showed on {$7500.00} because per my agreement with XXXX XXXX, which were being handled all my payments would be going to the principal only. XXXX wrote off the interest, and sold them the account which is why when their ledger took over it shows {$7500.00} as of XX/XX/XXXX. Once they acquired the account, I had to call them to tell about this, agreement, because they were harassing me where the system was robocalling consistently. After speaking to them back in XXXX, they acknowledge they saw the agreement, and it would take a month for me removed from the system. On top of that, because I had this agreement, and was honoring it faithfully that originated with XXXX XXXX, I issued Santander Consumer Financial Auto a cease and desist letter. In the payment hx you noticed frpm XX/XX/XXXX - XX/XX/XXXX, my payments of {$80.00} was being made by me. But, it was being applied but you don't see the hx see a balance for the principal or interest during that time. That was because it was being handled based on the agreement, and they were negotiations of the sale of Santander Consumer USA, and per the VP, adjustments would to the account would be made prior to the sale. I was aware there would be potentional sale, didn't know to whom. So prior to XX/XX/XXXX agreement, that account hx was XXXX XXXX, where the interest where from the agreement, and agreement off the books, they received the payments of {$80.00}, and would write off the balance prior to the sale. This is why as of XX/XX/XXXX, when XXXX XXXX acquired the account, it was only for principal not the interest. The account hx attached in their response shows on XX/XX/XXXX, the balance was {$7500.00}, which is the only amount they were focused on collecting which was for principal only at this point, as a result of XXXX XXXX trying to correct their wrong doing. So, Santander didn't have any interest to write off, because of they only started to collecting on XX/XX/XXXX based on transfer for the principal balance only for {$7500.00}. They were not responsible for collecting anything above that. this why you see that amount in the hx on XX/XX/XXXX. Proof of the collection balance shows {$7500.00} being paid off by me from From XXXX XX/XX/XXXX. This is why when you look at the account hx, you see the principal amount being reduced, to where the balance is {$0.00} by that time. As I explained this when I contacted and spoke to the manager of the deficiency department, that I paid off the balance in full in XX/XX/XXXX. There should have not have had to do a write off of an amount totaling as an estimate of a little over {$7900.00}. The hx from XX/XX/XXXX clearly shows they should have only been collecting {$7500.00}, and per the agreement that I already had with XXXX XXXX, which is why this was treated as a special account per my agreement with them, is that I was paying {$80.00} a month, which the hx clearly shows started from XX/XX/XXXX, I continued to make payments based on the special arrangement made with XXXX that was carried over per agreement to only be responsible pay off the principal. XXXX XXXX handled, the adjustment of the interest prior to the sale, and see nothing being in the interest or principal field because my agreement with them. From XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX, those payments totaled to {$1900.00}. In addition to what the car was sold that was {$1300.00}. This left a balance of {$7900.00}, which when Santander Consumer USA acquired it in XX/XX/XXXX, their account balance showed on {$7500.00} because per my agreement with XXXX XXXX, which were being handled all my payments would be going to the principal only. The account hx, from the time they acquired the account on XX/XX/XXXX. Account hx shows that I continued to pay the {$80.00} a month from XX/XX/XXXX to XX/XX/XXXX which was clearly being posted to principal column based on their account hx which was attached to their response. Their account hx shows that account balance was satisfied with the principal being paid off as of XX/XX/XXXX. Therefore, Santander Consumer USA, after receiving my complaint from the Consumer Financial Protection Bureau went back adjusted to the account say the account is closed, and then considered monetary relief is them writing off interest. But, they were never due any interest, their collection time period when they acquired the account they accepted my payment of {$80.00}, and continued to apply to the principal which was paid off in XX/XX/XXXX. In XX/XX/XXXX, with knowledge of receiving and proof showing when they acquired the account on XX/XX/XXXX from XXXX XXXX, they were only collecting principal of {$7500.00} with no interest due to XXXX XXXX attempt to correct their wrong per my previous agreement with XXXX XXXX based on the account being sold them. Santander, has received payments which the hx shows resolved the {$7500.00} in XX/XX/XXXX, because each month they continued to honor the same agreement from XXXX XXXX, where the account was paid in full. Then from XX/XX/XXXX to XX/XX/XXXX, I continued to pay because I never received anything saying that it was satisfied, they applied my {$80.00} a payment to the account where there was no interest or principal due. The account hx shows that is a total of {$1200.00} above the {$7500.00} principal balance that I paid. All, I'm trying to due is to get them to correct account properly, there was no interest due because the original lender XXXX XXXX already made the adjustment, when they received the account, all the payments to XXXX from XXXX from XXXX XXXX. When Santander acquired collection started on XX/XX/XXXX for only {$7500.00}. Payments were made from XXXX XX/XX/XXXX at XXXX a month totaling to {$8700.00} for the principal only. No interest was due to Santander Consumer. I'm due a refund of {$1200.00} due to proof in the hx shows they was no more principal due as of XX/XX/XXXX. The adjustment should have been made to reflect based on the timeframe which they acquired the account XX/XX/XXXX, to show account balance of {$7500.00}, balance XXXX, paid in full. All, the fees and interest prior to XX/XX/XXXX, and adjustments was already handled by XXXX XXXX, it was not them. XXXX XXXX honored their agreement to me by removing it from my credit, not re-inserting, and writing off the interest. But they sold the principal to Santander Consumer, where I paid that account principal off. Santander didn't provide any monetary relief because there was an overpayment above the amount {$7500.00}, and I overpaid the {$1200.00}. The manager stated she would send it to their executive office. I don't want them to respond to me directly, but to the consumer financial protection, as this is a new complaint based on the hx which shows everything I'm stating. In accounting you can't write something off, if you already received payment for it, which is why I attached the XXXX and statement XXXX because, since they made their adjustment, they are misrepresenting they were ever due to interest. But, accepted payments honoring the original agreement. This is very stressful to have to deal with them especially have to deal with XXXX XXXX, property damage, and then someone stealing my identity. I'm trying to get this handled correctly to ensure I'm refunded based on the proof, and my agreement with XXXX XXXX. I want to make sure its adjusted correctly, and it remains closed and that I receive my refund of {$1200.00}. I paid my debt, they were not due to interest, because it was never transferred to them by XXXX XXXX
|
| 06/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Directly from Santanders Financial Statements : Nonprime loans comprise 85 % of our portfolio as of XX/XX/2013. We record an allowance for loan losses to cover expected losses on our individually acquired retail installment contracts and other loans and receivables. For retail installment contracts we acquired in pools subsequent to their origination, we anticipate the expected credit losses at purchase and record income thereafter based on the expected effective yield, recording a provision for loan losses only if performance is worse than expected at purchase.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Santander Consumer USA ; are knowingly using multiple erroneous and unethical forms to deceive consumers. According to their statements, it seems they have frequently used forms like these in the regular course of business and I believe they are attempting to confuse consumers into believing that the statements they provide are true. It is simply an attempt of constructive fraud spanning multiple venues of business and government. Specifically, this is a violation of the Consumer Financial Protection Act in multiple forms.
The attempt to collect any debt via deceptive device or contrivance via creative practices, without any legitimate proof of an enforceable or valid contract in a means which is intended to mislead a reasonable consumer, should also be considered perjury and constructive fraud. The reason being is simple because these companies and their employees all have legal capacity.
The knowledge and willful presentation of false evidence pertaining to an unenforceable and unethical contract constitutes perjury and fraud and is a violation of the CFPA ( among many other laws ). These firms know the law and are required due diligence and required to observe the rules of evidence set forth by the courts, which they have clearly broken.
With that being said, I rebuke the false claims presented by Santander Consumer USA, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. We need not further address the deceptive prima facia style argument presented by XXXX XXXX XXXX because their submissions against me can not tie that Santander Consumer USAs and XXXX XXXX statements are accurate, truthful and verifiable. If we read the statements, none of the documents are certified or original copies, and it is evident that the notary public has not verified the truthfulness and/or accuracy of the statements, but only that the person appearing before them at the time of signing, was the person who appeared before the notary public.
I firmly believe we should investigate all angles of the statements and forgeries they have presented to the courts before we develop a judgement against anyone involved. It is my firm belief that XXXX XXXX XXXX has not performed any due diligence in verifying and validating the debt, and they are simply acting in their faulty and clueless regular course of business. Although they are required and claim to have knowledge of the law as a licensed attorney, it is evident that they have no idea how to do their job and/or they are blatantly lying.
It is not my intention to persecute XXXX XXXX XXXX, but simply defend myself from the accusations presented before me and do everything in my power to help protect others similarly situated from Santander Consumer USAs deceptive practices.
My basic understanding of this process is that this debt is not valid or enforceable. I am unaware of exactly what they are proposing because their statements are not balanced, verifiable or certified and I am simply stating my interpretation of the matters presented before me as I see it.
Moving forward, Santander Consumer USA ( SC ) has been issued an order by DEDOJ that they are required to cease and desist in their deceptive practices to prevent future occurrences of similar financial and unethical damages to consumers. They have not attempted to fully restore damages or stop harassing consumers by closing/repurchasing the unenforceable pool of debts which they promised they would.
SC knowingly sold these unenforceable deficiency balances/debts via a pool of accounts to XXXX XXXX, after destroying/misplacing any certifiable evidence to cover their transaction scandals and deception. They are still attempting to collect unenforceable debts on their manipulative Retail Installment Contracts ( RIC ) and will continue to further harass and damage consumers and our local judicial systems with their spamming threats, and brute force attacks.
Their unfair, manipulative, and deceptive processes that interfere with the Due Process Clause and freedom to contract laws protected by the 14th amendment are wasting considerable time and money considering the magnitude of their attempts to collect unenforceable debts based upon false pretenses and deceptive practices used to coerce misinformed and uneducated consumers into accepting the false claims offered in their Retail Installment Contract scheme.
Santander has not heeded the warnings issued by a collaborative effort between the Delaware Department of Justice ( DEDOJ ) and the state of Massachusetts Attorneys General. By SCs failure to comply, they are knowingly and willingly violating the law by continuing to deceive and harass consumers across the United States. The unknowing consumer is constantly harassed and alienated by their unfair debt collection practices, usury, deception, lies, and creative accounting practices. They have failed to remediate their abusive RIC practices and restore relief to injured consumers.
SCs deceptive sales tactics through their network of dealers have created a system of dealers who no longer sell cars. The dealer doesnt care which car you buy, just that the subprime borrower signs the RIC and they get their marked up spread on the contract. Their used car dealers and debt collectors employ a bait and switch and/or debt discount tactic to deceive consumers systematically, but this is only the beginning of the process.
When the dealers are selling RICs from SC, they know there is a hidden XXXX fee and a predetermined GAP contract sale, the dealers intentionally do not disclose the XXXX service charge that SC set up with XXXX XXXX ( which illegally kicked back a significant portion of the service charge to SC ).
Santander has also monopolized and seduced these dealerships through their deceptively generous contract spreads. It is evident that SC controls these dealers because they have multiple monopolized points of contact on every single RIC. If every RIC from their dealers is assigned to SC and has SCs GAP contract on it, then SCs XXXX fees should be disclosed, they are not. There are no other companies used in these solely Santander RICs. No competitive pricing for GAP insurance is ever disclosed or offered, and it is intentional.
In 2013, Santander knew that 50 % of the consumers that made up 85 % of their portfolio were expected to default. Thats estimated to be 425 out of 1000 consumer loans. With 850 estimated being subprime borrowers. Their network of dealers has also been caught reporting exaggerated incomes on behalf of consumers to get increasingly higher and impractical loan amounts.
SC intentionally finances personal household use assets that roughly 425 out of 1000 consumers will never get to keep. Then, they repossess assets after the consumer defaults, sell the vehicle in a rigged private sale ( back to their network of dealers ) and pocket the instant cash. After this process is complete, they pawn the unjustifiable deficiency balance to a 3rd party debt collector to increase their liquidity.
The key parts of this creative accounting practice start with the planning phase, which is to ensure that most subprime RIC consumers will default. If they dont default, Santander is still receiving the state maximum interest rates amortized over the course of a 72-month contract ( or better, due to their deceptive deferred payment backup plan ), either way it is clearly a win/win for them.
Part of the deceptive methods used by SC are : Hidden XXXX fees ( intentionally not disclosed during the RIC sale and financing process ) NSF fees and late fees ( which are a great source of income from their subprime borrowers ) State maximum financing rates ( from incentivized dealers that do not disclose any other available rates ) Deferred payments ( that do not disclose principal balance and interest changing effects ) The profit spread ( bait and switch RICs to ensure that SCs network of deceptive dealers will claim SC is the only company that will provide financing for them, which is typically untrue. ) Santander Consumer USA and their network of dealers and debt collectors have lied to consumers from the formation of these unenforceable contracts. They are harassing consumers across the country by submitting these seemingly legitimate documents. They have legal capacity and are knowingly committing perjury by submitting deceptive statements and unenforceable contracts with legalese jargon in a seemingly legitimate presentation disguised as evidence to deceive a reasonable consumer or anyone viewing their documents.
Since counterfeiting money is illegal, theyre basically counterfeiting assets and the valuation of assets to confuse consumers into giving cash to them, and then destroying the official/certified/verifiable documents in case they are investigated.
SCs dealers are incentivized to sell intentionally marked-up GAP contracts, this process consumes nearly all the subprime borrowers down payment. Cha-ching, instant cash back to SC! Not if, but when the consumer falls behind on payments, they are offered a life-saving deferred payment option, which does not disclose principal balance changes and interest effects. If they can repossess the car before the GAP insurance is used, they receive a bigger cash payout. If not, the state maximum rate is still in effect and the auto-refinancing option that the dealer promised is no longer feasible. This leaves them multiple options and minimizes the chance of any financial loss on their behalf. The seemingly free money is then left on the table for their intended taking.
The next part of the process is the repossession, followed by harassing letters that intimidate confused consumers. Then, SC demands payment of the full balance on the entire account.
After all these seemingly harmless events take place, the next step in SCs scheme is to underbook the value of the repossessed asset and sell it in a rigged private sale. The vehicles never make it to a public auction. The rigged private sales allow the repossessed asset to go right back into their incentivized network of RIC dealers and the process begins again.
After Santander destroys their certifiable copies, they begin selling unverifiable and/or altered copies of the documents to their 3rd party debt collectors. Hence why all their original contracts are destroyed/missing, and their claims are all coincidentally and conveniently unverifiable.
This makes for an extremely attractive sale to XXXX XXXX and SCs network of third-party debt collectors because the deficiency debt is now overbooked, and the spread difference is conveniently tucked away in Santanders valuation surplus accounts.
SC has not obeyed the cease and desist orders issued by the DEDOJ and are continuing to defraud consumers through this process. They have further violated their agreement with the courts, the DEDOJ, and Massachusetts Attorneys General through their current and continuing actions. SC is still attacking confused consumers in every single state across the country. They have subverted the mandatory repurchase of their bogus and fraudulent deficiency balances and are continuing to bully and spam attack consumers and local courts across the United States.
Santander Consumer USA and XXXX XXXX mutually and privately created a loophole program that pigeonholed and coerced their RIC consumers to use this illegal XXXX service. After the consumer used the XXXX, XXXX XXXX kicked back a significant portion of the service charge to Santander Consumer USA which they made significant profits from. They have been issued orders in multiple settlements to cease their deceptive and unlawful practices, collections and repossessions. It is evident here that this company willfully turns a blind eye to the reprimands of the judicial system and the welfare of American consumers who have been systematically lied to and believe they have nowhere else to go.
|
| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I am the primary account holder on my auto loan. I am having difficulty getting a hold of Santander Consumer USA about my cosigner filing chapter XXXX bankruptcy and Santander not allowing me to have access to my account, paying my bill, giving me options on what to do next, or explain any of the following concerns my cosigner, his wife and I had with this auto loan company since the beginning of our auto loan in XXXX XXXX. The following is a complaint my cosigner and I wrote during the time we both gathered relevant documents and tried to contact Santander to resolve this issue, including my own similar complaint to them last month.
Santander USA requires a {$480.00} monthly payment for our vehicle loan, totaling {$19000.00}, paid off in a 72 month term at a 20.49 % finance charge, according to our original loan documents. I was asked to cosign for an auto loan from XXXX XXXX dealership for my daughter in law, I will call ( her, she, kids, kid ), even though I had a very low credit score at the time, I believed at the time XXXX XXXX dealership located in XXXX AZ, knew me from my previous purchase of a vehicle from there location, renting through XXXX many times and the wages I earned from my job were satisfactory at the time. She had no credit and only around XX/XX/XXXXyrs. old when we purchased this vehicle. Due to both credit scores being poor at the time of approval, it resulted in a higher interest rate, at 20.49 %.
After returning home from the dealership, my wife, ( Wife ) carefully examined the details of the auto loan documents. Wife was upset after informing her of the amount of interest rate charged. Wife calculated the financing and her results repeatedly showed, the monthly amount for this percentage rate of 20.49 % brings the monthly payment to {$480.00} a month, even calculating on the Santander Consumer USA website shows the monthly payment should be {$480.00}. I never knew this was a simple interest loan until a couple months ago. I gave permission to Santander for my wife to be allowed to discuss the details of the account with Santander.
Wife asked Santander about the percentage rate and the amount of the monthly payments and gave details about her find. Santander decided they need more review on the situation and an accounting manager will contact us soon.
My wife demanded an answer before we finished our phone call on XX/XX/XXXX with a supervisor from Santander, after a year of inquiring the same question 4 different times, the answer was finally quoted, " It is our own personal finance charge ''.
Wife, the kids nor I did not know how to resolve this problem with Santander or who to turn to for help.
XXXX and XX/XX/XXXX, payments were made and they were current on their payments.
XX/XX/XXXX, she, our son, and myself, were all laid off around the same time. I was laid off XX/XX/XXXX. I called Santander and asked if we could have an extension, knowing I could not help the kids if they needed it, which I knew they would. We were approved for an extension due to the COVID-19 pandemic. An extension was given for XXXX and XX/XX/XXXX. Even though we did not like the terms and conditions required in the documents requiring my signature in order to get this extension. I had no choice at the time but to sign. The kids resumed payment in XX/XX/XXXX. XX/XX/XXXX was paid but she could not make her payment for XXXX or XX/XX/XXXX.
I received 2 phone calls from Santander in XXXX around the XXXX and XXXX, XXXX, I asked the kids if they were behind, they said yes, my wife and I tried to figure out if we could help or not, before returning the Santander call. We decided we need to ask for another extension and will ask them when they call back if the kids do not make a payment soon. We figured the kids made the payment after not receiving another phone call and the kids thought we paid the bill, considering she let us know she was behind and struggling.
XX/XX/XXXX Santander calls me, notifying me we are 3 months behind. the kids do not get phone calls from Santander only my wife and I do. I tried to log in to my account on the Santander website like usual in XX/XX/XXXX, so my wife can download all statements and transactions but oddly, they locked me out of the account and left a phone number to call in order to log back on. Which I was never able to successfully recover my account to log into with them.
I immediately ask for the extension and explain our situation. I just started a new job after being unemployed since XX/XX/XXXX, my son was still unemployed and she has limited hours all due to COVID-19. They refused the extension unless I caught up on 2 months worth of payments. I explained I could not do this. They threatened to repo the vehicle, I know a repo would hurt both our credit score for a long period of time. I did not want to hurt her score, I was left with no choice but to give up my first full paycheck received at my new job and pay it all to Santander. I could not afford food for 2 weeks for our other kids at home. Santander said they would send me an email, requiring my e-signature on another agreement that must be signed and agree on the following terms and conditions to apply for a two month extension.
This agreement requires me to agree to the IMPOSSIBLE! Dated XX/XX/XXXX, it requires that I agree to make the next monthly payment, agreeing to pay on the due date for the month of XX/XX/XXXX. Next due date XX/XX/XXXX.
I called Santander letting them know there was a mistake. You can't sign a document promising anyone that you can do something on a date that has already passed. That is an automatic, failed to comply with terms and conditions of contract as soon as you sign the form.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, payments were not made. XX/XX/XXXX, I made 2 months worth of payments so I can enter into an extension. These 2 payments, paid XX/XX/XXXX and XX/XX/XXXX. Leaving XX/XX/XXXX and due date XX/XX/XXXX, for the extension agreement. Having those dates to e-sign, agreeing to pay the next monthly payment after the extension period ends, due on XX/XX/XXXX would be the correct way to handle the extension. learning from the last extension we signed. We did not receive another email or any other correspondence regarding the correct forms to e-sign.
She was able to still log into the Santander account on her credentials, I got her information from her and permission to log in to her account. I download the XXXX, XXXX, XXXX, and XX/XX/XXXX statements and all transaction history. I learned that no extension applied at all after I paid the 2 months they demanded or else they will repo the vehicle.
XX/XX/XXXX, I had to file bankruptcy due to being laid off from my previous job on XX/XX/XXXX. I now only make half the earnings I used to make at my previous job. Trying to keep and afford my home, bankruptcy seemed to be the only option left.
Santander made this vehicle purchase impossible to ever pay off. The kids nor I will ever be able to accomplish paying this loan off with such a high interest rate, almost every payment Her or I have made toward this auto loan sinceXX/XX/XXXX, 100 % of the payments made went straight to interest. Santander spoke to me on the phone when I placed my concern and complaint with them, they did not know how much interest I had left to pay before the payments would start going to principal again. That is unacceptable to me. If I am to make my payments, I should have a right to know how much I owe in interest before any money is paid to the principal again.
I asked for a payoff statement the last time she was able to log into her account, the amount was only a few hundred dollars less than what we originally owed on the vehicle for the entire amount of the loan.
I believe Santander Consumer is making it impossible for us to pay off this loan, with getting a cosigner with also having bad credit, enabled Santander to place a high interest rate and make 2 people liable for the loan that is impossible to pay off. I do not want Santander Consumer USA to get away with what they are doing to consumers. She is so young and they will come back on her for this auto loan with a starting loan of {$19000.00} XX/XX/XXXX. Until the date XX/XX/XXXX the loan payoff amount was good for {$19000.00}.
I feel I was LIED to about the interest rate since day one. The extension that I would get for 2 months in XX/XX/XXXX, is false as it appears in documents, only one month extension was given.
I feel Santander Consumer USA, knowingly and intentionally charged a higher interest rate than what is shown on our loan contract. Even if it is only a couple dollars difference monthly but It adds Depending how many other consumers they do this exact same thing to, every month they could make an extra couple million dollars and nobody would ever really notice unless they took the time to do all the math themselves.
Wife claims it was a red flag when she noticed the price of the extended warranty. She was upset at me for not checking any vehicle manufacturer recalls that may have been raised before purchase of a vehicle. I would never do that! She would and she was right. This vehicle already, and within the first year owned, has its 3rd new engine and electrical harness replaced. After it almost caused my family to wreck on the highway.
The wife believes Santander, and XXXX dealership should be aware of these kinds of recalls that would result in lifetime warranties for new and 2nd owned vehicle owners, that covered everything that an extended warranty would cover. She claims Auto loan dealers should always update important information on vehicles they sell to consumers before they are sold and especially expensive added products that would have no value to the consumer at all.
I inquired about Gap insurance but XXXX talked us out of adding gap insurance to our vehicle. XXXX told us that we did not need gap insurance Because we were not underwater on it and it was worth more than what we paid for it.
I get the impression now after seeing how Santander have distributed our payments toward interest and principal every month, we were underwater within the first 6 months of purchasing the vehicle.
I was surprised when XXXX asked me to cosign for the kids. Qualifying my credit score I believe to be lower than hers at the time was weird but I understood how a good job needs to show someone, at least her or I, makes enough earnings for approval. I should have realized Credit had to matter too, on at least one of us or I could co-sign for my son at XXXX in XXXX, AZ, just one month prior. I did not qualify to cosign for him. I had a big head when I qualified for her so I didn't think twice about why, I just felt special and worthy again.
Now after I filed for bankruptcy, she is no longer allowed to log into her account with Santander Consumer USA, nor will they accept a payment from her for the loan.
I believe she should have other options available to her for this loan. I don't have a choice but to file bankruptcy which is not her fault. Does she have to file now too?
XXXX 19 guaranteed payments made so far totaling {$9200.00}.
Original loan {$19000.00} Start date XX/XX/XXXX {$19000.00} payoff amount good through XX/XX/XXXX.
|
| 07/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX I reached out to XXXX via XXXX concerning a new vehicle. He initially told me about hail damaged inventory and I asked about XXXX XXXX.
XXXX XXXX XXXX was sent to XXXX and my trade in was picked up. During the time of delivering my vehicle XXXX began inquiring about my husband a vehicle. He asked questions pertaining the current vehicles value, mileage, and Loan Company. We let him know at that time my husband was looking to get out of current loan due to high interest rates. XXXX suggested letting the current vehicle repo and get into another vehicle. He began running different numbers of trucks in order to get my husband 's truck under a certain number. I was unaware that either one of our credit was being ran for each vehicle XXXX attempted as I was unaware of the fact that he was trying to put the vehicle under my name at all. XXXX and my husband speak and I am told via text message that my husband said he wanted the vehicle and the vehicle was on its way.
Hours later I am called by XXXX stating that the truck pmnts where under my husband 's requested limit but my interest rate would increase by 3 % and my pmnts would increase. I immediately let him know via phone that this was not okay and that he didnt have my permission to put the vehicle under my name in the first place. I was then referred to the finance director whom attempted to persuade me that overall it was saving us more money by giving my husband the initial finance contract with the lower interest rate and to get his pmnts where he wanted them to save us money overall. I let him know we dont pay are bills together and I didnt want the truck under my name. I was unable to reach my husband via telephone as he was at work at time of drop off. I was at work and had a 15 min break to sign the papers. I let XXXX know my husband would be in contact and I was told at the time I needed to sign the " new loan '' documents for my care. XXXX told me both paperwork for the truck and my XXXX was incorrect. I let him know I would be signing for the truck but that my husband wasnt going to want the truck.
Upon receiving the truck at my place of employment I was given 1 key and noticed the vehicle was very dirty and the hail damage was more extensive than first quoted to us the vehicle was previously smoked in and still had the stench of smoke. I drove the vehicle home from work and immediately noticed an issue with the steering or wheels. I called XXXX and let him know my husband was not going to take this vehicle and the issues I noticed with the XXXX XXXX XXXX. XXXX confirmed the mechanical issues I noticed with the female driver whom brought the vehicle to us. She stated that she didnt let the dealership know of the vehicle issues as she thought it was understood between both parties that the vehicle had mechanical issues. XXXX stated he would pay for the oil change that was needed in the vehicle and that we would just need to take the vehicle to the XXXX dealership for repairs as it was still under warranty. We let him know very sternly we would not be taking the vehicle and that they would need to pick the vehicle up. XXXX went back and forward with my husband about picking up the vehicle. During that time we received calls from XXXX XXXX for a welcome interview. ( At this time, I hadnt received a Welcome interview for my XXXX XXXX or any correspondence from the dealership concerning my loan contract. ) The finance company called and asked about my the XXXX XXXX after we told them we would not be taking the vehicle to which the lady replied so yall are buying 2 vehicles I was not made aware of this. She called the dealership and spoke with an unknown party at the dealership stating the discrepancy. We received a call from XXXX going upset and frantic about the call from GM stating that we werent supposed to tell the Finance company about my car. I later received another call from GM stating they had spoken with my husband to do the welcome interview. I let them know that wasnt my husband and whomever they spoke to didnt have permission to speak on my behalf because we werent buying the vehicle. They notated the account and let us know that they would inform the dealership. Eventually the truck was picked up from our residence. XXXX let me know that my vehicle loan was incorrect when the truck was in route and I would need to sign a different one. He stated that he would sign the document ( which I didnt understand to be illegal at that time ). He faxed me the previous incorrect loan documents at my place of employment. At this time I let him know my dissatisfaction with the XXXX XXXX. I let him know I was unable to put my XXXX child seat in the car due to the size of the vehicle which I wasnt aware of until I received the vehicle. He continued reassuring me that he would look into my request for another XXXX XXXX. I then received a call from XXXX XXXX from regional acceptance on XX/XX/2016 requesting check stubs from myself and my husband. She also stated she hadnt received documents. I sent over the documents via email. I then a week later received a call from her asking if I had signed the loan documents. I stated yes when they brought the vehicle to me. She replied no we had different ones with a lower pmnt amount to sign. I let her know that XXXX had faxed me documents concerning the loan but I had not signed new documents as of the date she stated my loan information changed. She let me know the signature on the loan was forged and that I would have to sign myself the loan documents. I called XXXX and let him know this information and specifically stated that I didnt want the XXXX XXXX due to space issue and since my vehicle was still unfinanced I would like to return it. He then called me about a week later stating that my loan went through and that my pmnts would be lower. I immediately called XXXX XXXX and had no luck finding my loan documents without an application number. No company had called me until a few weeks later to do a welcome interview with Chrysler Capital. During that time I had called different companies including different XXXX lots inquiring about my options as my attempts to speak with XXXX where either unreturned or not referred up. I received my first statement from Chrysler Capital the first paperwork I had seen regarding my loan. The loan was financed for 75 months at {$440.00} per month. I was upset with this deal as previous loans where lower. I called my father and we immediately called the GM. The calls to the GM where never returned and I finally called corporate and lodged a formal complaint. My father called XXXX and let him know that I received my statement and was upset about him signing me into the loan without my permission. XXXX stated that he would handle the situation without going any further. I asked to speak with the GM and left voicemails for a return phone call which was not returned. I called XXXX and requested he let GM know I was calling XXXX Stated GM was going to handle the situation and would get me into a larger vehicle using rebates and " special pricing ''. I would just need to bring the vehicle back to XXXX XXXX Texas. I told XXXX initially what I could afford for pricing on the XXXX XXXX XXXX and he assured me of this several times before I left for a trip to XXXX XXXX.
When I arrived in XXXX XXXX on XX/XX/2016, we were met about 30 mins of arrival by XXXX to whom I was told previously he wouldnt be handling my vehicle that it would be the GM. XXXX came out with an intial vehicle pricing paper with {$770.00} for the XXXX XXXX XXXX with large brown marker written across with a statement of NO COPS, NO PROBLEMS. XXXX never mentioned the note on the document. I let him know immediately this was unacceptable and wasnt what I was told previously and demanded to speak to GM. XXXX stated that GM stated that he didnt want anything to do with this deal and would not come out. I asked 3 different times including other staff members to direct me to GM to which we waited for hours with no GM> my XXXX daughter and father and I had been on road for 8 hours and at dealership for about 3. We finally told XXXX that we would sign for car as we would otherwise be stranded in XXXX XXXX and would be lodging more complaints as to the way we were treated. XXXX then brought out a blank side of the No cops, no problems paper and demanded I sign the blank side. I began signing the document and then asked what I was signing for to which he asked stated that everything is okay. I told him I would not be signing the piece of paper. He took the piece of paper to " GM '' and misrepresented it as a signature after I told him I was not signing the document. We went in with the finance director whom had previously received complaint from Chrysler Capital. XXXX had previously told me to call and state that everything was fine to finance director as he was " new ''. That conversation never happened. I let the finance director know of all of the issues we were having as with the dealership and requested again to speak to GM. He goes and gets man who comes in stating " oh so yall didnt come in here to sign documents. I thought you signed on this form stating everything was fine. I let him know it was NOT okay and that I didnt sign the paper as I didnt know what I was signing. He then asked if I gave XXXX permission to sign my signature on the previous loan to which I replied NO, and if I had you know that it still illegal for him to do so. He then brought up the truck and expressed his discontent for us, letting us know he couldnt do anything further to assist us. We were told we couldnt have a copy of the No cops, no problem paper as it was an " internal documents ''. I asked for all paperwork concerning all vehicles to which I was told I couldnt have. After the situation XXXX called members of my family telling them to " call me off '' or he was going to get into trouble and that the man we spoke to was not the GM and the dealership wasnt liable only him and that by complaining I would only get him fired. I ignored all correspondence from XXXX as I didnt want any dealings with him but couldnt reach anyone else at dealership. I lodged another complaint with XXXX XXXX and hired a lawyer at that point.
XXXX Signed document with optional service contracts ( TIRE, Car Care etc. ) included without my permission resulting in a higher car note amount. XXXX also stated that he could receive " family '' discount and it was added to my contract this 2 was missing from my contract as falsely advertised.
|
| 06/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Deceptive Sale Practices/Switch & Bait, Fraudulent Attempt to Sell a Vehicle and Unauthorized Access to Consumers Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Also Known as : XXXX Dealership Persons of contact include : Sales Manager - XXXX XXXX Sales Representative- XXXX XXXX Appointment Time : XXXX XXXX XXXX, XXXX Product to be sold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Coupe VIN : XXXX Stock : XXXX Date of Occurrence : XX/XX/XXXX On XX/XX/XXXX I began an online search for a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a sunroof to present to my husband as a XXXX XXXX gift. I found several XXXX vehicles listed online in the price ranges of {$71000.00} - {$98000.00}. On XX/XX/XXXX I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX advertised on XXXX for sale by XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The price advertised by the dealership was {$71000.00} ( please see attached XXXX XXXX and XXXX advertisements ). Being the most affordable option, I decided to give XXXX XXXX XXXX XXXX XXXX XXXX ( also known XXXX ) a call at ( XXXX ) XXXX at approximately XXXX XXXX to inquire about this particular vehicles availability and to confirm the dealers purchase price. I was connected to XXXX at XXXX and XXXX informed me that the vehicle was currently listed at {$71000.00}, but the vehicle was not on their sales lot and that the vehicles delivery to the dealership had been held up due to the current COVID-19 pandemic and told me that he would check the status of the vehicle with his manager and call me back. XXXX returned my call at approximately XXXX on XX/XX/XXXX and told me that the vehicle would arrive to the dealership in 2 weeks. At this point in our telephone conversation, I expressed a serious interest in purchasing this particular vehicle and informed XXXX that I recently obtained a pre-approval for financing through Chrysler Capital in the amount of {$64000.00}. XXXX asked if I would like to come to the dealership to start the purchasing process and I agreed to visit XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to purchase the vehicle.
My husband XXXX XXXX and I arrived at XXXX dealership at about XXXX XXXX on XX/XX/XXXX and was greeted by XXXX. After we arrived and were meeting with XXXX at his desk, I gave XXXX my drivers license to copy as he requested and showed him the pre-approval email I received from Chrysler Capital which included reference number XXXX and listed a finance amount of up to {$64000.00}. I then informed XXXX that I would be paying cash to make up the difference of {$6300.00} of the purchase price and that I would be putting an additional amount down on the vehicle. XXXX then asked me if he could have the finance department at XXXX call Chrysler Capital and request the exact sales amount of {$71000.00} to be financed. I specifically asked XXXX that he only inquire to Chrysler Capital as I already had a pre-approval and XXXX agreed. I also informed XXXX that I had participated in XXXX Quick Online Application process prior to gaining a pre-approval from Chrysler Capital. XXXX ( the dealership ) website stated that ONLY a soft inquiry would be performed ( please see attached web archive ). My husband and I continued to wait at XXXX desk while XXXX finance department contacted Chrysler Capital. After 10-15 minutes of waiting, a gentleman who appeared to be a salesman or possibly a financial associate approached my husband and I and said, the finance department is trying to get you another {$3000.00} plus another {$23000.00}. After hearing this I was quite shocked and alarmed and did not understand what he was referring to. I replied to this gentleman, why is the finance guy trying to get an additional {$26000.00} in financing and who authorized it?. He replied to me that I needed at least {$90000.00} and that my current financing offer was not sufficient. I then replied, {$90000.00}, what do I need {$90000.00} for, the car is listed on your website at {$71000.00}?. He then stated that the car I was trying to purchase was {$90000.00} and then he said, let me go check. At this point in time I became very curious as to what was going on and me and my husband proceeded to walk to the finance desk and ask them what was going on. Just prior to approaching the finance desk, I received a text message on my cell phone from XXXX which is a credit monitoring product I am currently using. The text message stated that a recent inquiry into my credit file had been placed 3 minutes prior. I stopped the gentleman as he was walking away and said, what are you guys doing over there? I just received a text alert that my credit had been accessed and that my credit score dropped 59 points. He then replied, 59 points? Theres no way, we only inquired once.
This is when I approached the financing departments desk and began asking questions about what they were doing checking my credit and also stated that I never authorized anyone to check my credit. While I was at the finance desk speaking to XXXX XXXX the sales manager, I received another text alert on my cell phone from XXXX about 7 inquiries that just hit my credit report. XXXX went on to say that I didnt have enough financing to cover the cost of the car and that Chrysler Capital only approved me for {$54000.00} and that it didnt matter that I had a pre-approval for {$64000.00} and that Chrysler Capital could have only approved me for {$10.00} for all he knew. I looked at the sales guy XXXX and said, why did you come over here and ask them to run my credit with all of these banks when I never authorized you to do so? He replied I didnt know they were going to do that. I then faced XXXX and said, look, Im not stupid, I know how this works and you had no authorization to run my credit, I was already pre-approved. After some back and forth with XXXX the sales manager telling me that they didnt have the car that I was interested in and listening to XXXX try to explain himself, I decided it was best to leave and my husband and I left the XXXX dealership. As we were driving on the freeway back to XXXX, I told my husband that I should get off the freeway, find the ad that XXXX XXXX XXXX XXXX XXXX XXXX had up on their website and archive it just in case they remove the fraudulent ad. I did just that. By the time my husband and I arrived back in XXXX, which took about 35-45 minutes, I looked online at XXXX website searching for the ad that was posted for the vehicle I was interested in and prepared to purchaselow and behold, the ad was gone.
This is a case of bait and switch conducted by this dealership XXXX and unauthorized/fraudulent credit check into my personal credit file. They sent my personal information to 7 banks without my authorization or permission. The banks listed below received my credit file : XXXX Lbs XXXX XXXX XXXX XX/XX/XXXX XXXX- Chrysler Capital XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX- XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have documented my initial phone calls with XXXX the salesman, every advertisement I saw on XXXX and XXXX website about the sale of this vehicle, I archived the webpage of XXXX dealership that states their credit inqueries are soft credit checks that will not harm your credit score and also the information that I filled out on that website, I have documented the email as proof that XXXX claimed the vehicle I was interested in was sold minutes after I left their dealership, I have proof of my pre-approval from Chrysler Capital , emails from the dealership and about the vehicles supposed recent sale plus, various other proofs including the dealerships work order. I have also obtained a XXXX report on this vehicle.
The bait and switch tactics and fraudulent attempt to sell a car they didnt have in their possession that this company has displayed and continues to engage in including unauthorized credit checks, has made it more difficult for me to find financing for the vehicle that I want to buy by damaging my credit file with unauthorized credit inquiries. This dealership should be held accountable for their actions and this should not be allowed to happen to anyone else.
After my experience at XXXX, I decided to check reviews on XXXX and I have read dozens and dozens if not hundreds of similar stories and reviews about XXXX dealerships bait and switch tactics and their refusal to sell the product ( s ) they advertise for the price they express in their online ads. This dealership also advertises vehicles online for one price and when the consumer arrives to purchase the vehicle listed, XXXX tacks on extra expenses for items the dealer added prior to the vehicle being offered for sale to the public. The dealership then forces the consumer to pay for these additions or they refuse to sell the vehicle to the consumer even though the consumer didnt ask for the added items. I even read a review from a consumer that felt she was discriminated against. I also felt that I was discriminated against.
The only difference in other XXXX consumers and my experience is that I did not see where anyone complained of XXXX running their credit without the consumers approval or written permission. This type of action should not be allowed by any business and any business that advertises a product they dont have, accesses a consumers credit file without their written permission and/or conducts deceptive and fraudulent sales tactics should be fined and held accountable at the very least.
The car I thought I was going to purchase was never in XXXX 's possession and they never had any intent to produce the vehicle that they advertised for sale. So, my questions are, why did they run my credit without my written permission to begin with? They didnt have the vehicle I was at their dealership to purchase, so what were they doing accessing my credit without my authorization? What vehicle were they trying to obtain financing for? Why did they disregard my pre-approval from Chrysler Capital and make their own decision to access my credit 7 times without my signature, written permission or approval? They couldnt get me financing for a vehicle they didnt have, so what gives?
This is a bait and switch tactic and fraud, including fraudulent access to a consumers credit report without written permission plain and simple and they should be held accountable before they damage other consumers.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander, XXXX XXXX , XXXX, and the Credit Reporting Agencies Took out a loan with Santander for a vehicle in XXXX of XXXX.
I defaulted on the loan and was late several times. My credit and finances were very poor at the start of the loan, and I struggled to keep up with payments throughout the time I had the car. I called the lender ( Santander ) several times throughout the possession of the car and they allowed me to " defer payments '' to the end of the loan without truly informing me of the future financial detriment that would cause, nor did they simply inform me of the implications of the deferments at all. Ultimately, I was unable to keep up with the extremely high car payments of nearly {$600.00} a month with an astronomical interest rate and was left to come out from work to being without a vehicle after an unwitnessed repossession of my vehicle.
Following the repo, I was sent several letters by Santander stating the car had been auctioned and that I was still financially responsible for the difference.
In XXXX of XXXX, I was made aware only through various social media platforms that there had been a " COALITION OF 34 STATE ATTORNEYS GENERAL SETTLEMENT WITH SANTANDER CONSUMER USA '' in which I have always been a resident of one of the states included. In doing thorough research on the settlement, I recognized that I visibly fell within all the criteria to be a recipient of the settlement relief. I resided in a qualifying state at the time of the loan and still do ; my credit score was very subpar upon being approved for the loan ; I fell behind on months of payments during several periods within my possession of the car ; and I had the car repossessed after several years with the loan during a long-term loan agreement with the lender.
The following are the criteria which I meet, but still somehow have not received ANY resolution or relief, per the settlement outline on XXXX XXXX XXXX Consumers may be eligible for the following types of relief : 1. Restitution : Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia. Over 265,000 consumers across the settlement states will be eligible for this restitution.
a. Who qualifies? You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX and Santander must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator.
b. How much will restitution be per consumer?
i. The final restitution amount per consumer is not yet known, but the amount will be at least {$220.00} per consumer.
c. When can I expect restitution?
i. We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates.
2. Deficiency Waivers : Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with restitution, consumers who qualify for this relief will have to have had a certain internal score given to them by Santander at the time they got their loans. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Consumers who qualify for this relief will receive notice directly from Santander, and not the settlement administrator. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver ; and c. You had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
3. Loan Forgiveness and Car Title : For certain consumers, Santander sent the consumer title to the car and forgave the balance of the loan. Santander did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} XXXX. Santander will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from Santander in XX/XX/XXXX.
The consumers who qualified for this relief : a. Defaulted on the loan but the vehicle was not repossessed ; and b. Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores.
Despite this, I never received a postcard stating I was qualified to be a part of the dispersion of settlement relief. I was hoping to be free financially and mentally from the burden of having been a client of Santander, and I kept reading on the Settlement website for consumers that postcards had been mailed out in XXXX, and that they may take time to be delivered. I have never received mine. In XX/XX/XXXX through XX/XX/XXXX, I have contacted several entities about my eligibility. I first contacted XXXX XXXX, XXXX the handler of the settlement, several times in XXXX and XXXX of XXXX to assure myself that I was indeed a recipient of relief and that perhaps they didnt have my correct information to mail me the appropriate postcard of eligibility. I spoke to several people who I gave three possible addresses to that could have been on file at the time my loan was active with Santander. Several times I called back, thinking the last rep may have misspelled my name or address or created other errors in looking me up. None of them could find my name in their system. They instructed me to reach out to Santander directly. I then called Santander, who immediately notified me of my current outstanding debt, and asked how I would like to take care of it. I informed them I would like information on my eligibility in the settlement, and they then said they had no knowledge of that information or who could give it to me. I deferred back to the Attorney General in my state, and spoke with someone at the Attorney Generals Press Department, and then to another gentleman who instructed me to email the AG directly at XXXX XXXX XXXX ( my state ) .gov, informing them that I am a victim of Santander and their predatory sales practices. I received a very generic response basically stating the same information given to me by every representative I had spoken to by phone, with no offering of assistance or resolution.
Regarding the information being continually reported on my credit reports, there are SO MANY issues to outline. Please keep this in mind : I was successfully able to dispute the account from Santander off of my XXXX credit report on XX/XX/XXXX after learning from other consumers how to do so, with no guidance from the agencies actually involved. However, for some reason, the other two major bureaus XXXX and XXXX continually report the account as Verified as Accurate every time I dispute the account as invalid due to the litigation, which is the same factual basis I used to successfully get the account off of my XXXX report. In making several secondary attempts at disputing the account for deletion, I was told on the phone by XXXX that they do not use other bureaus results to remove or verify information, although I have been made aware that credit reporting of an account has to be uniform in order to be considered accurate. In accordance with the FCRA, if an item is reported differently or inaccurately on even one bureau report, the information is considered invalid and must be deleted. These other two major bureaus report differing dates of delinquencies, and contradictory time frames and years of the 30, 60, and 90-day late periods, conflicting the actual dates/years I was late. I have also logged into my still active online account with Santander, and it shows I have a current payment due as of XX/XX/XXXX, although they report the account charged off as of XXXX. There are monthly scheduled payments being falsely reported on my XXXX report, which I have NEVER agreed to with Santander ; I have never scheduled payments or amounts to be paid with them. Since XXXX found validity in deleting the account, I submitted copies of the deletion to both other bureaus, expecting them to utilize the evidence to support the deletions on their end, but they will not. All they continue to do is update the account with a statement : Litigation pending despite several attempts at removing it.
|
| 11/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX, Santander Consumer USA contracted via a company called XXXX XXXX out of North Carolina to repossess my vehicle. At approximately XXXX XXXX. on XX/XX/XXXX, a tow truck driver illegally gained entrance to my community by breaking into the locked gate at the entrance to my community. I live in a gated community and the only way to get in is either via a remote control, which I had in my possession, or by a code of which I had never provided to Santander. Furthermore, the community is private property, has a cement wall surrounding the entire complex, and the community does not allow access to any third party without prior permission.
At the time the tow truck driver arrived where I was staying and had my car parked, a neighbor saw him in the process of the repossession and witnessed the entire event. She walked up to my home, asked him what he was doing, and took a picture of him because our community has a neighborhood watch. She informed him at that time that he was not allowed in the community, there is a neighborhood watch, and that he is not allowed to be on the property. He told her to mind your own business. Im just trying to get a job done and not get shot. He was aware he was breaching the peace at this point. She watched him breach the peace even further as to where my vehicle was parked, my boyfriends truck was blocking access to my car. She witnesses the tow truck driver reaching into my boyfriends truck through the cracked window on the passenger side. He then unlocked the passenger door, open it, reach across the seat to the drivers side and unlock that door. He then walked around the truck, got into it on the drivers side, put it in neutral ( it is a manual transmission ), and roll the car backward down the street, and left it in the street blocking our neighbors driveway. He then gets out of my boyfriends truck, does not bother to lock it back up, removes a toolbox from the front seat, and walks back up to his tow truck. He then proceeds to take possession of my vehicle and in the process gouges the cement driveway to my boyfriends house. He then leaves.
I called Santander Consumer USA the next morning and made arrangements to retrieve my vehicle. On XX/XX/XXXX I went down to XXXX XXXX XXXX XXXX which was the towing company that had taken my car. They had me sign several pieces of paper one of which pertained to damage to my car and my personal property inside the vehicle. The woman I picked my car up from told me verbally, also of which my boyfriend heard her say, there was no damage to the vehicle. I could NOT verify this before I took possession of my vehicle as they wouldnt even give me the car until I signed the paperwork. I showed her the picture of the tow truck driver and she confimed he does work for them. Upon getting my car back I noticed that there were 5 black lawn size trash bags full of my personal belongings. I had recently been evacuated due to the XXXX XXXX XXXX in XXXX XXXX, Nevada so I had my car full of clothing, appliances, and many other personal items that I was trying to save in case my home was burned down.
On XX/XX/XXXX I left for a trip to Colorado as my father had recently passed away and we were holding a memorial service for him just for the family on XX/XX/XXXX. I noticed at that time I had a large chip in my windshield and a gouge in the paint on the right rear of my car next to the fuel cap. I did not have time to call Santander so I emailed the towing company to let them know I had damage. I also removed all the black trash bags from my car and placed them in my boyfriends garage as I would have to sort through them when I returned from Colorado. I noticed then that all the bags had large tears and holes in them as if someone had drug them across a rough surface. They were all torn and ripped in various areas.
On XX/XX/XXXX I returned from Colorado and began sorting through all the trash bags. I called Santander, too, to let them know I had damage to my vehicle. I reported to XXXX XXXX AND XXXX XXXX XXXX that I had damage to my car and personal belongings. They required me to fill out an incident report and provide receipts, photos, estimates, etc., of all the damage done to my car and personal belongings. I did so. Approximately 3-4 weeks elapsed, and I finally heard from XXXX XXXX. They denied any culpability nor responsibility for the damage done to my car as well as the damage done to my personal property except for a picture and a torn nylon laundry bag. I then asked Santander and Resolvion to provide me with evidence that supported their denial of my claim. They had informed me via email that they had pictures and an inventory of my car and belongings that was done when they had picked up my car. They denied my request and said that they would not provide any proof to me of the inventory and pre-existing damage and that I would have to get that from the vendor that XXXX XXXX had hired, the tow truck company called XXXX XXXX XXXX XXXX.
At this point, I have had it. Neither Santander Consumer USA nor XXXX XXXX has provided me any support that confirms the denial of my claim. They both engaged in illegal debt collection activity which resulted in damage done to my property and to my boyfriends property. They refuse to pay for any of their damages whatsoever.
I sustained {$6600.00} in damages and my boyfriends stolen toolbox and damage to his concrete driveway are {$3400.00}. I have spent numerous hours trying to work things out with both companies and all they do is try to shove responsibility off on the other so all I end up doing is going around in circles with them.
Per the FDCPA : Section 9-503 of the Uniform Commercial Code authorizes secured lenders to seize possession of their collateral after the borrower defaults without judicial process if this can be done without breach of the peace. The Uniform Commercial Code ( U.C.C. ) does not define the term breach of peace.
The black letter definition of breach of peace is conduct or speech that violates the public order, disturbs the public tranquility, or has the potential to provoke violence or is likely to incite immediate public turbulence, or leads to or is likely to lead to an immediate loss of public order and tranquility. Breach of the peace further includes any violation of any law enacted to preserve peace and good order. See, e.g., Kimble v. Universal TV Rental , Inc., 417 N.E.2d 597 ( Mun. Ct. 1980 ).
Furthermore, it says : Although the law varies somewhat from state to state, the general rule is that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumer 's objections; or ( 2 ) trespass in order to gain possession of the collateral.
Lenders breach the peace if they enter the borrowers home without their permission in order to gain possession of the collateral. It does not matter whether the doors or windows are locked. Nor does it matter whether anyone is home. The lender 's conduct amounts to breaking and entering and creates a risk of violence.
Courts usually rule that motor vehicle lenders who open garage doors in order to claim a car breached the peace. Protecting borrowers garages as the law protects the rest of their homes makes sense because homeowners expect that their right of privacy and seclusion extends to all of their homes and unlawful entry into their garage also creates a risk of retaliatory violence.
Santander Consumer USA breached the peace significantly in the repossession of my vehicle. The first infraction was when the tow truck driver broke into the gate of my community to gain entrance. He had no way into that community because there is a cinderblock wall all the way around. He also did not have permission from the community manager as I verified this and lastly, he did not have the code to enter in order to open the community entrance gate. There is only ONE way in and ONE way out. He did this at XXXX XXXX.
This tow truck driver was told to leave the property, that he was trespassing and he blatantly ignored this. He engaged in illegal activity a 3rd time by trespassing and breaking and entering my boyfriends truck, getting into it, and moving it down the street so he could take possession of my vehicle.
All 4 of these incidents by themselves amount to a breach of the peace and as such Santander Consumer USA has violated the FDCPA under which Im protected. Finally, XXXX XXXX has been sued in state courts in multiple states for this exact type of behavior. I have found court cases in Indiana, California, and Minnesota as recently as XXXX. They changed their name from XXXX to XXXX in XXXX and are still operating and engaging in the same activity. They dont seem to be deterred at all, rather would damage peoples property than take responsibility and engage in ethical repossessions.
|
| 10/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Ive lost everything trying to keep my transportation so far I've paid almost XXXX and only XXXX has gone to principal and a maturity date of XXXX there is no way I am going to survive this if I do not get help the balance is over {$22000.00}, In XXXX I purchased a car from XXXX of XXXX. I went in hoping to resolve the bad car situation I was in after purchasing a lemon from a local dealer. The car was not working yet I was still paying the car note. I selected a major dealer hoping to resolve the situation I was in before having to have the lemon repossessed. Upon arrival I discussed with the sales man XXXX XXXX XXXX Can't recall his last name however he is no longer employed the following events will most likely explain why he is no longer working as well as the financial agent that took my application. I went in and explained that I purchased a car that was no longer working after a few months of driving it. I was hoping to make a trade into a more reliable car for my children and I being that I am a single parent of XXXX. When I explained that I was trying to trade in the vehicle they stated this would not work and to let the car go and cease paying, according to the sales manager at the time this happens all the time and I wouldn't have to worry about anything because the loan shark would write the loan off. So eventually we settled on the XXXX XXXX XXXX, my mother was convinced to sign as a co owner and we were told by both the sales manager and the finance individual who once again no longer works there that after a year of paying the high payment of XXXX on time that XXXX would automatically refinance my loan despite credit scores. This was the second UDAAP violation of that dealer. I feel that they were very deceptive when convincing me to purchase this car knowing the situation I was in and the advice they gave me regarding letting the car go because eventually the other loan place picked up my old car and still came after me for the remaining balance something the dealer promised wouldn't happen because according to the manager this happens all of the time. He had both me and my mother convinced and we are pretty smart but I guess vulnerable at the time. We believed what was told. So the previous car place I was paying along with the XXXX car payment eventually I settled with the loan place but can you image paying two car notes one for a car you are no longer driving and another where the payment was something could not afford. After struggling to maintain the payments for 12 months I called the lender to find out that Santander was not XXXX so the entire time I'm thinking I am with XXXX as the financial agent and sales team including the manager stated that I would be with XXXX and that after 12 months I could refinance to a lower payment. Santander explained to me that they don't do refinances and I would need to find a lender that would refinance my car which based on the type of loan and the value and loan balance and credit issues no one is going to be able to refinance the car. Not only being in a bad financial situation I was advised that everything I was told was a lie. So I continue to pay the XXXX with the help of some deferments by Santander I barely survived and I am still having financial troubles. So one day I go into XXXX for an oil change in late XXXX or early part of XXXX I am approached by the same sales manager asking if I received any mailing correspondence in regards to refinancing shocked I am like no I thought I was no with XXXX, ( he is like a lion preying on young women for a sale ) he convinces me to come to his desk to find out if any refinance options, apparently when I get to his desk the refinance option is out of the window due to value situations I believe he did this to mislead me to sit at his desk to yet again try to sale me a new car after explaining to him my terrible situation. He tells me that in order to recover from the financial stress I would need to let this car go XXXX XXXX XXXX because in his words ( sales manager ) the car is going back eventually apparently he even knows that I couldn't afford it. So after discussing and being hesitate he tells me again that he knows people with XXXX credit scores that let the car go and no one comes for them for the balance. He tells me that if I get a new car I wouldn't have payment for two months and this would help alleviate some financial stress. Trying to convince me yet again to let another car get repossessed that that all would be well. I insisted that this was not the way as he had told me this before and they still came for me, he proceeds to tell me to stop paying the other company that I had the settlement with and that eventually 'they 'd go away '' yes this was told to me. I continue with not wanting to go through with such and insisted he find a way to take care of the current car I have. He even joked about crashing the car. So eventually he ask to call my mother because of course he wanted to convince her to convince me to proceed. All he cared was about his sales not my situation and the high car payment was causing some nights for my children and I to go hungry. I couldn't let a car go I needed to get to work and could not afford to get another car and have Santander come for me for the loan amount. The sales manager gets my mother on the phone explains to her about the people he knows that have had cars repossessed even told her to tell them they could stop calling as if that would make any collector go away. So he convinces my mother that this is a good move, SO im torn because of my situation. He literally runs loan through with my mother and my name on the credit check and my mother never authorized her credit to be pulled however this was done, she wasn't even in the office. I took the new car home but thought about past experience and just used common sense that this would not be the way to go, especially because the new car payment was XXXX and that was only XXXX less. The next day I return the new car to pick my car up. I told them I did not want the new car anymore and was going to try to fix things with the current hole I was in. The sales manager then goes and gets another individual who tells me this is 'kind of a done deal ' I told him no it was not because my mother never even signed anything first for you to even pull her credit to get an approval for the new car. she never signed anything co signing on the new car app that you submitted. After letting him know firmly I know that this isn't a done deal the car was returned and I was able to take my car home, the sales manager convinced me to take the car home and come back with my mother to finish paperwork. This has been a very trying few years, thinking I was going to a major dealer because I was fooled at a local dealer to be fooled ten times more here was a very depressing feeling. XXXX of XXXX convinced me the XXXX time with unfair and deceptive tactics and then after explaining my financial situation tried to get me into another bogus deal. I don't want to let the car go I want to pay the loan however I will never pay the car off as most of the payment goes to interest and the payment is just too high. I need help from XXXX in getting this payment down. I feel that someone should be held accountable for their lies especially telling me that as long as I paid on time for 1 year I would be able to automatically refinance for a lower payment. My credit is awful due to the struggle with keeping up with basically another mortgage payment for a car {$600.00}. its ridiculous. I feel someone needs to help me get this payment lowered I was tricked into purchasing this car and lied to. I was even about to get tricked a second time if my intuition didn't get to me. I need help, this is my only means of transportation my mother only agreed to getting on the first loan because she was told we could refinance in just my name after paying on time for 12 months. If anyone needs my mother to testify to what the sales manager discussed with her in regards to letting the XXXX XXXX go and getting a new one she will. I just need help with lowering these payments. XXXX has caused a great deal of stress. Half of the agents who helped me no longer work there that should speak volumes. I can't believe such a large dealership would handle my delicate situation like this. They knew my issue with the car I had before coming there and I just feel someone should be able to help me. XXXX took advantage of a single parent who was desperate to have a reliable vehicle. No one cared to tell me the facts only manipulated me to believe what they said to be true. I truly hope no one else has this experience, please help!
|
| 03/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
AFFIDAVIT OF FACT In The Matter Of : XXXX XXXX, a man / woman To : Santander Consumer USA , Inc., a woman/man ; Dear Santander Consumer USA , Inc , a woman/man, You, Santander Consumer USA, Inc , a woman/man , have engaged in multiple violations against I, a woman, without right. I recently looked at my car contract and found many issues that are in direct violation of my consumer rights under 15 U.S. Code 1605 and 16 CFR 433.1d. I am a woman, the consumer in fact it is my understanding that I am going to tell the truth the whole truth in all matters here. Having so qualified my testimony I now take my affidavit and submit it into court record in full and state that everything in my Affidavit is the truth and the whole truth for the record. Made under penalty of perjury. I, a woman, the consumer in fact has personal knowledge of, and asseverate the following : 1. Fact, I, a woman, the consumer know that The Fair Credit Reporting Act 15 USC 1681 was made by congress to ensure accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2. Fact, I, a woman, the consumer knows that on XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. I know that 16 CFR 433.1d is a purchase money loan that is a cash advance which is received by a consumer in return for a finance charge within the meaning of the Truth in Lending Act and Regulation Z. I was never disclosed about a purchase money loan let alone knowing that it was actually a cash advance that was due to me. The dealership or finance company never made me aware of this during the consummation of the contract. Another violation was the withholding or not being disclosed that I was signing this money over to the finance company Santander. I was told that Santander Consumer USA would be the one who was lending me the money when in fact that was false and a lie and a violation of my consumer rights. Under the Truth in Lending Act and Regulation Z, I was lied to by the creditor because I was really giving them my cash advance I never knew about from my purchase money loan that was due to me and signing it over to the finance company. As a consumer, I legally have a right to know that my signature is being sold/transferred to another party and the process of the finance charge. The contract is a Consumer Credit Transaction not a Retail Installment Contract as stated on top which is another lie and violation. The contract was with XXXX XXXX XXXX, XXXX but somehow Santander Consumer USA got involved without me knowing and being fully disclosed on how. How can the dealership transfer/sell my signature and the security interest in the vehicle to another party when the contract I have with them is not even binding because technically their signature is not even on contract because the dealership can not speak nor talk so how do they have any control over what happens to the contract ; they dont. I walked into the dealership to purchase a vehicle under a consumer credit transaction per law 15 USC1602 and I am the original creditor per law 15 USC 1692A ( 4 ) but was not made aware or fully disclosed that my signature and cash advance from the purchase money loan was being sold/given to another party which is Santander Consumer USA XXXX This is a violation of my rights which voids the entire contract altogether. 3. Fact, I, a woman, the consumer also knows that 15 U.S. Code 1605 is determination of finance charge which is defined as the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type of payable in a comparable cash transaction. If the finance charge supposed to be the sum off all charges and does not include charges comparable to cash, then why was I required and told by said dealership above and in question that I had to make a down payment in order to get the vehicle. I made a down payment of {$2000.00} cash but was not made aware or disclosed by the creditor XXXX XXXX XXXX XXXX XXXX and Santander Consumer USA on XX/XX/XXXX, that I actually was not required to make said payment because its included in finance charge, but it is also illegal under 15 U.S. Code 1605. Definition of finance is to provide funding for something and in this case the funding was for a vehicle but how can I be given money for a vehicle but at the same time have to give cash in order to get the funding. This is the purpose of truth and lending to fully disclose what my finance charge is and everything that is included and said company above has violated my consumer rights by not doing so which caused me to suffer a financial hardship because the deposit for the vehicle was my savings and I did not want to put anything down towards the vehicle but again was advised by the creditor I had to. 4. Fact, I, a woman, the consumer knows that 15 U.S. Code 1605a explains what a finance charge includes which is interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Service or carrying charge, Loan fee, finders fee, or similar charge. Fee for an investigation or credit report and Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. XXXX XXXX XXXX, XXXX AND Santander Consumer USA a woman/man, have engaged in violations under this law because I was charged multiple fees such as sales tax of {$910.00}, GAP, title fee of {$50.00}, processing fee of {$75.00}, SVC contract of {$1500.00} and registration/inspection {$120.00}. I also show an itemization of amount financed for some of these items separately, but I shouldnt because thats more money you are adding on to the finance charge from what you already said I was paying under the finance charge at top of the contract. Again, this is another violation of my rights under 15 U.S. Code 1605 that caused me financial hardship because I had to include more money out of my pocket for these fees which raised my car note even more monthly. 5. Fact, I, a woman, the consumer knows that 15 U.S. Code 1605 b and 15 U.S. Code 1605c states Life, Accident, Or Health Insurance Premiums and Property Damage and Liability Insurance Premiums are included in the Finance Charge. Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges. During the consummation of the contract, I was asked did I have insurance and the salesman even got on the phone with insurance company to verify and give them vehicle information but never stated that the premium was supposed to be included in the finance charge. I did not receive a statement or disclosure from the creditor stating that I was entitled to have my premium included in finance charge, therefore they withheld this information and lied to me throughout this transaction. I, a woman ... : woman, am not an expert in the law, however I do know right from wrong. If there is any man or woman damaged by any statements herein, if they inform me by facts, I will sincerely make every effort to amend my ways. I hereby and herein reserve the right to amend and make amendment to this document as necessary in order that the truth may be ascertained, and proceedings justly determined. If the parties given notice by means of this document have information that would controvert and overcome this Affidavit of Fact, please advise me In written affidavit form within ten [ 10 ] days from receipt. Provide me with your counter-affidavit, proving with particularity by stating all requisite actual evidentiary fact and all requisite actual law, and not merely the ultimate facts or conclusions of law, proving that this Affidavit of Fact is substantially and materially false sufficiently, to change materially my Status and factual declarations. Your silence stands as consent to, and tacit agreement of, the Claim and factual declarations made herein being established as matters of fact and matters of law. I, a woman ... : woman declare under penalty of perjury, that all herein be true, and will testify viva voce in open Court, that all herein be, true, so help me God.
|
| 08/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
With regards to XXXX XXXX : When I first got the car, whenever I took it out of automatic and put it in manual using the steering wheel gear shifts, the car would act suspicious. Whenever I came to a complete stop in that mode, the engine would rev when my foot was on the brake and continue to attempt to go in a forward motion.
My mother is a witness. Coming off a highway on an incline as we were leaving church, the car did what I previously described and I almost ran into the rear of a vehicle. After the issue appeared, I contacted the dealer and attempted to tell them about the issue. They ignored me and said the car was fine.
I returned the vehicle to the dealership, for this reason and because of other reasons, i.e. they fraudulently changed leasing terms and bank agreements for financing after I took the vehicle off the lot.
When I returned the vehicle, I did not drive it again for over a month. After they threatened to sell it, but didn't fix it, I returned for the vehicle. I then saw a news report that stated the model was recalled due to the same issues I was experiencing. When I returned to pick up the car a second time, I informed the dealership and their agent XXXX XXXX XXXX XXXX about my concerns. XXXX dismissed my concerns and told me the car was never recalled and he knew nothing about a recall on the vehicle. Once I got in the car and inspected it, I realized the car had more miles on it, at least 200-250, since I last returned it to the dealership.
I immediately went back in to confront XXXX about it and asked to see documentation regarding the vehicle and any records of the car being driven without my permission. XXXX refused to give either claiming the car had not been driven. When I asked how he accounted for the additional mileage, he dismissed me and my complaints again.
I had an appointment to have the car looked over after I got it back. I drove it a bit more to see if the car was continuing to do what it did, and it was. The car had not been fixed and nothing had changed. I then stopped driving the car for fear I could get into an accident.
I had an appointment to have the car looked over by my family mechanic, since the dealership refused to look into it. The day before I was scheduled to drop it off to have my suspicions confirmed, the dealership towed the vehicle and told me they would be repossessing it. Since then, I have been attempting to get a lawyer after my complaints to the XXXX, the CFPB, and now the Texas Attorney General have been unable to get me my previous car back.
Under Texas Lemon Law, I gave them adequate notice there was an issue with the car. I fear they would deny I brought it up. I had video evidence on a handheld 360 camera of XXXX denying the issue existed and dismissing my claims, but the file was corrupted.
I know the car was " new '' and I know I was unable to take it to get checked out, but my mother and a few other passengers can attest to the car doing what I said it was doing. After it " sat '' at the dealership and others drove the vehicle, I felt the car was doing it even worse than before.
I was unable to get my trade-in back, unable to get the car serviced, and unable to have my concerns addressed. Now they have the car, but they are likely going to just resale it and not address the issue. This could leave the next owner in serious danger as well if they attempt to use the manual transmission instead of the automatic.
P.S. : I have attached their response to my CFPB complaint. Notice they say they never received my XXXX complaint, but I have documentation of them receiving and responding to that as well. The text from that complaint and the contact information for the case worker is listed below.
Also, I attempted to get the audio from the times I call XXXX, Chrysler Capital, and XXXX XXXXXXXX regarding my issues with the vehicle, but none of them have complied with my requests.
TEXT FROM CFPBXXXX Complaint : Check complaint filed with the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Texas. Contact XXXX XXXX, Investigator XXXX XXXX, Dispute Resolution Specialist Better Business Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX p : XXXX XXXX Start With Trust My Complaint number is XXXX. Additionally, the people responsible for the irresponsible, negligent, and treasonous acts are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX from finance. Each have been reported to XXXX XXXX XXXXXXXX for their fraudulent acts and I have already submitted documents to the Texas Supreme Court regarding their irresponsible activities. My original car has been taken, fraudulently. I have not had it since XX/XX/2018. The car was reported stolen through my insurance provider and they too have done nothing to attempt to recover the property or provide me with my monetary compensation. Hello XXXX XXXX, I went to XXXX XXXX and requested they take my trade in to receive a business car. I did not receive that. Instead, they gave me two weeks to drive the car for business purposes. When I returned a few days ago, Thursday, I requested they refund me that amount. They did not do that. Instead, they retitled the car, sold it at an auction, and refused to comply with original terms. This car is no longer mines. It has been sold fraudulently. Any and all insurance and other things associated with myself or my mother are not our concern or faults. The dealer that financed it is XXXX and his co-conspirator was XXXX XXXX. Any future correspondence regarding this emails is incorrect. I do not personally own this vehicle in any way, shape or form. Ive filed a complaint with XXXX and am awaiting a hearing to discuss proper refunds. I have all documentation concerning the transactions that took place. Please give me a call if you have any questions. Sent from my XXXX I made calls to the XXXX Police Department, multiple times. I did not receive any assistance because I was told it was " out of their jurisdiction. '' There are XXXX calls from me in their system. The car was towed about 48 hours ago. I have been told I have more time to pay it off by the bank Chrysler Capital, but " the bank '' and their agents have been aware of my situation since XX/XX/2018. Also, about two weeks ago, I got an account to research my previous car " XXXX XXXX '' and and when I searched it I saw an old social media picture of myself and friends riding in that car about 5 years ago from XXXX to XXXX. The picture appeared to state I have an arrest warrant for acts carried out in that car, however, I do not have a XXXX record and have not been a part of any illegal activities in that car. The new car is a XXXX XXXXXXXX XXXX model and I still have both sets of keys and one of the license plates. As far as XXXX XXXX I still have the plates and as you will notice from your investigation, the auto dealer, their agents, and the police have yet to find the car, the owner, the seller, or anyone else involved in that transaction. Further evidence includes the following ... NTTA tickets for the vehicle that occurred following XX/XX/XXXX. I have not been in that car, seen that car, or had any possession of it since that date. I have no idea what has occured in it since that date. I don't know the owner. It isn't on my insurance and I have not been the legal owner since that date. A parking ticket from XXXX PD from the last day I had the vehicle. It was parked downtown the notice number is XXXX with plates XXXX. I refused to pay that ticket on that date, because, the VTR form was never properly filed. During the meeting on XX/XX/2018, at the XXXX XXXX XXXX XXXX location. XXXX XXXX and company refused to apologize, they refused to provide a refund, and they refused to take responsibility for their irresponsible activity. I, to this day, do not have a vehicle. They ruined my credit score, and it was all due to the business potential tied to my name, social, business acumen, ability to produce/create/write music, etc. I do not trust them. I will never return, because it has taken everything in me to not return to that dealership and deliver retributive justice. As I have stated in my numerous complaints, I do not want my old car, I do not want their new car, I want my money back and compensation for this being the toughest summer of my life. Thank you, XXXX Thank you, XXXX XXXX XXXX.
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I entered into my lease contract in XX/XX/XXXX with Chrysler Capital and immediately established the auto-pay option with e-statements. As my payment history shows, I have made each original monthly payment of ( {$440.00} ) with no issues from XX/XX/XXXX until XX/XX/XXXX as I was set-up on an auto-pay and paperless plan. However, due to a county tax increase, the payment figure of ( {$440.00} ) originally established by my lender at the beginning of my lease was no longer fulfilling the new minimum payment amount of ( {$450.00} ) due, resulting in a ( {$5.00} ) shortage, which then accrued over several months before resulting in a negative balance in XXXX of XXXX, and carrying over to XXXX of XXXX. Once I was aware that there was a late payment status on my account from reviewing my personal credit report, I immediately contacted Chrysler Capital and paid my accumulated monthly fees of ( {$75.00} ), and my auto-payment has since been adjusted to ( {$450.00} ). As my payment history shows, a payment has been withdrawn every month on or before the due date since my account was opened, but the adjustment issue has affected my payment status and has been reported to the credit bureaus as two separate 30-day late payments ( XX/XX/XXXX & XX/XX/XXXX ). After several conversations with the dispute department and the executive office I was able to find out that I did not receive a written notification of this necessary adjustment, nor did I receive an email message to explain the necessary steps to correct this adjustment, therefore I had no formal written knowledge that the recurring payments set-up on my auto-pay continued to result in a due balance of ( {$5.00} ) each month until my account showed a late payment status. Also, the statements attached show that my account status was still considered current while there was a past due balance owed and no messages are documented other than Account is currently set up on recurring payments so how would someone know there is an issue? I was also told that the shortage began in XX/XX/XXXX, however no attempt was made to contact me about this issue until XX/XX/XXXX and Chrysler Capital stated a voicemail message was left. While I understand that a phone call was made in XX/XX/XXXX in an attempt to get a hold of me, I don't understand why it took 11 months for Chrysler Capital initiate contact. And furthermore, most official business requires some form of written notice, or certified letter, or notarized document and yet the company did not send me any type of written or emailed notice to inform me that there was a problem with my account. Once I noticed the problem, I immediately contacted the Chrysler Capital to make the necessary adjustment & paid my accumulated fees, however my account status is still reported as having two late payments. I have since requested the dispute department to look into this on XX/XX/XXXX and requested that a goodwill adjustment be made on my account and was told the company does not do goodwill adjustments to credit reporting whatsoever, which alone is a little unreasonable considering the company is in the business of using credit to approve automobile leases. Then I sent a letter to the dispute department on XX/XX/XXXX formally requesting an adjustment be made to my account if there was no written attempt to contact me, and a copy of this letter was emailed to the executive office and forwarded to the dispute department, and again no reply had been sent nor an acknowledgement of receiving the email. If an automatic payment collected in the company 's system is slightly less than the amount due in the system, but it is still collected on or before the due date, shouldn't there be some other reporting status other than a late payment status, perhaps a negative balance status, illustrating that a payment was still made on-time, however the payment still resulted in a negative balance. This way lenders would not see this as an inability to make a payment and rather an accounting adjustment was needed, which in my situation, was the exact case due to the county tax increase. My ability to get funded in the future should not be affected by a county tax increase and auto-pay system that has no alerts, or sends no automatic communication when there is an issue at hand. If an alert was illustrated somewhere in my account, or written notification was sent to me within maybe a 90-day period of when the shortage began then I could have avoided this situation all together. And, I would think that a county tax increase affecting my payment status would be grounds for written notification to be sent to me via email and direct mail to have a copy for my records that the company made several attempts to contact me, and giving me the necessary time to make the adjustment before my credit is affected for years. I am in my XXXX XXXX and have never had one late payment on my credit report, and I am trying to refinance my home before this covid-19 mess alters lending requirements, and the only thing that is stopping me from getting approved is this very recent " Late-Payment '' status on my credit report. I have also been told by other consumers that this has been a problem over the last year and other companies are waiving these fees in my county, and not reporting this to the credit bureaus at all as it must be categorized as an accounting issue and not a late-payment issue. If this late-payment status remains on my credit report I will likely not get approved for my home refinance and will have trouble getting any sort of credit approval for years, and in my opinion this all could have been avoided with written notification long before my account showed a late-payment. And to add salt to the wound, my account that has since been updated to the ( {$450.00} ) higher monthly recurring payment is now showing that I am paying too much per month, as a matter of fact, Ive now been paying around {$12.00} more than I should be per month since XX/XX/XXXX as the attached statements show I only owe a minimum of ( {$440.00} ), again no communication, no message on my statement regarding this overage, which also means that the ( {$5.00} ) increase that originally caused this entire ordeal has thus been negated. So, from what I can gather, Chrysler Capital is in the business of thinking its perfectly ok to send statements with inaccurate information, as the attached copies will show, even if the inaccurate information has a negative effect on the consumer. As the attached statements illustrate, there are several months that show a Current status for the Account status as of statement date while simultaneously showing a past due balance, and providing no message whatsoever under the Account Alerts & Important Messages section. Ive been told by the executive department that these statements are my written notice of my account issues, but the information on the statements is not accurate or clear as to what is going on with my account, nor are there messages in the section specifically implemented for Alerts & Important messages on several e-statements that show a past due balance, so how is the consumer able to get a clear picture of a problem so it can be resolved before its already too late? Either the department that processes the e-statements needs to change their processes and take responsibility or consumers shouldnt be responsible for inaccurate information that is said to be written proof of a situation. Also, there should be some sort of regard for this type of situation where a consumer clearly has the ability to meet their financial obligation but a clerical error has caused a past due balance before reporting to the credit bureaus as a negative mark on a credit report lasts for years, while a accounting adjustment issue can be handled in less than 30 seconds if there is proper communication protocols in place to alert the consumer that a problem actually exists. There is absolutely no point in being on an auto-payment plan if these types of situations are still able to occur. Chrysler Capital 's lack of clear & concise communication with me as a consumer has ultimately created a negative reporting status on my personal credit report, thus still negatively impacting my credit worthiness for up to 2 years.
|
| 02/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
In XXXX, XXXX, my son was XXXX years old, and I ( co-owner ) purchased a vehicle, a XXXX XXXX XXXX. My son didnt have any credit so he needed a co-signer. Santander Consumer USA was the company that financed the vehicle installment loan. The account was opened XX/XX/XXXX and reported to all three credit bureaus ( XXXX, XXXX, and XXXX ) on both of our credit history reports. The last credit reports, requested from either of our personal credit files, which document that Santander was reporting the vehicle to the credit agencies are dated XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is the last date that we can tell the account was reported to credit bureaus.
In XXXX, XXXX, My son joined the XXXX XXXX and shipped off to XXXX XXXX and XXXX XXXX XXXX. I had a general power of attorney over his accounts and I contacted Santander to request Servicemember Credit Relief Act ( SCRA ) protections and submitted the required documentation. SCRA protections provide for a servicemember who has civil contracts with creditors/lenders before he enters XXXX XXXX military to obtain reduced interest rates amongst other protections. In XXXX, XXXX, Santander acknowledged the SCRA request and implemented the reduced interest rate ( I believe to be 6 % ). My sons monthly car loan payments were reduced from XXXX per month to XXXX per month. All car loan payments prior to the SCRA protections and after were paid via recurring monthly payments, and on time. This created a positive credit reporting history for my son to establish new credit accounts in the future, specifically new auto purchases. I had obtained permission from Santander to ship the vehicle to my son in XXXX, XXXX ; which he received in XXXX, XXXX.
In XXXX, XXXX, My son, now assigned to his XXXX XXXX in XXXX XXXX, Hawaii, was involved in a vehicle accident which resulted in a total loss of the vehicle. My son had obtained proper insurance coverage from XXXX XXXX. In XXXX, XXXX, after XXXX rendered the vehicle a total loss, they issued a payment to Santander for their portion of the coverage and after a long, frustrating process, the remainder of the balance was paid to Santander by GAP Insurance in XXXX, XXXX. On a letter dated XX/XX/XXXX, My son received a letter from XXXX Title Administrators advising that they were processing all title paperwork from XXXX and was requesting a document be signed notarizing power of attorney and after receipt of this document, My son will be released of all interest of the vehicle, and will not be liable for any storage fees accrued with XXXX XXXX XXXX or XXXX. Follow-up contact was made with the Title Administrators advising they received everything they needed to process this transfer so no further action was needed. At this point, we ( My son and myself ) understood that we had nothing else to do with this vehicle. The title was released to XXXX from Santander. ( Letter from XXXX attached ) We never heard anything else from XXXX or Santander regarding this vehicle.
Back in XXXX, XXXX after the vehicle was rendered a total loss, My son needed another vehicle. In XXXX, XXXX, My son applied for credit for a new vehicle. He was told that after checking his credit reports that no credit bureau reflected credit history of a previous vehicle, specifically the XXXX XXXX XXXX. On XX/XX/XXXX and XXXX, XXXX, my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date, but I asked why they had stopped reporting all of our account history with Santander to the credit bureaus. I dont remember the exact conversation, but I was told that Santander is not required to report anything to the credit bureaus. I explained that they had already been reporting the payment history of the vehicle to the credit bureaus and didnt get a valid explanation about why they stopped. The only conclusion I could come to was they stopped reporting sometime after the SCRA protections were implemented. I suspect that sometime between XXXX, XXXX and XXXX, XXXX, they stopped reporting the account to the credit bureaus. I believe it is a violation of the SCRA and was retaliation because of the requirement to lower, an otherwise high and profitable, interest rate. Also, I thought it was unfair that my son had made all of these payments from XXXX on time and had no credit report to reflect his payment history. This is an unfair credit reporting practice. My son had to accept a higher rate interest loan, from a sub-prime lender, because he had no credit reports to prove his two years of on-time vehicle payment history. The credit reporting history had also been removed from all three credit bureaus reporting to my credit files as well.
All of my sons car payments on his current vehicle purchase installment loan from XX/XX/XXXX until now have been made on time.
On XX/XX/XXXX, my son started having problems with his current vehicle, a different lender, and decided he wanted to purchase a new vehicle. He contacted XXXX in regards to financing a new vehicle purchase. They checked his XXXX credit report and told him he does not have a long enough credit history because the installment contract payment history for his XXXX XXXX XXXX ( XXXX ) was still not being reported to all three credit bureaus. My son called me and explained the issue.
On XX/XX/XXXX, I called Santander to attempt to get a payment history of the account emailed to my son, which they complied ( XXXX from Santander ). Nothing was mentioned about a debt being owed. My son contacted XXXX and was advised that he had the print-out of his vehicle payment history and was told it needed to be reflected in his XXXX credit file. I contacted XXXX Credit Reporting Agency myself, and explained the situation to XXXX. Because I was a co-owner, XXXX checked my XXXX credit file and advised that there was nothing reflecting a Santander account history in my file. I explained the situation and he advised me to call FCRA. I decided to call Santander back, spoke with XXXX to find out if they could report the on-time payment history for my sons XXXX XXXX, which shouldve been reflected payments in the credit files from XXXX. XXXX stated she had we had to get a waiver ( I dont know what or why a waiver was needed ). She said she had to complete some information on the waiver and forward it to a different department. She didnt state what department. XXXX stated my son would receive an email and he needed to sign it and send it back to Santander, then they could start reporting again. I asked what she meant by reporting again.
She said well your account has been aging because it says you are 700 + days late, or 25 payments late. I asked her to repeat what she meant because I was in total shock. I told her no I dont owe anything. Nobody ever told us we owe anything. Im not paying you anything. I told her my son had made all of his payments on time and this vehicle was rendered a total loss and paid off. She said no, there was a balance. I disagreed and told her I was no longer requesting to have anything submitted our credit reports if they were going to add all of this negative information that we knew nothing about and that shouldnt be there. I was upset and didnt know what to do.
On XX/XX/XXXX, I called XXXX, Consumer Finance Protection Bureau ( CFPB ), and I told him the situation. XXXX explained how the process worked and how to submit my complaint online. I told XXXX that I thought Santander violated my sons SCRA protection rights when they retaliated by stopping the reporting of valid credit history payment to the credit bureaus when it was previously reported. I would understand if Santander had never reported any information about the account from the time the installment loan was issued, but they stopped seemingly after SCRA protections were implemented in XXXX, XXXX. I also believed that we did not owe any additional debt to Santander and never had been made aware of any debt owed.
|
| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a consumer and natural person and I have exercised my right to rescind any transaction and XXXX is violating Federal Law by not adhering to what the effects of rescission is. This complaint is my CLAIM under 16 Code of Federal Regulations 433.2 which is found in my consumer credit contract from XXXX dated, XX/XX/XXXX.
On XX/XX/XXXX prior to my relocation to XXXX XXXX XXXXo start a family and my new job I got in contact with XXXX XXXX of XXXX via text and phone call from XXXX, XXXX XXXX. He took my credit card information over the phone and ran my credit. I now know this was a credit sale and he used my social security card as the device to extend credit to myself. These definitions are found under the Truth in Lending Act, 15 USC 1602.
He claimed we have more than enough time to get the car I wanted transported from another location of XXXX, to the one closest to the Airport that I would be flying into at XXXX XXXX XXXX, XXXX, XXXX XXXX. I landed in XXXX on Friday XXXX XXXX and rented a car for 4 days. I got a call and text from XXXX XXXX on XXXX XXXX stating that " the car is here but we haven't gotten all the paperwork yet. '' I was at my cousins funeral that day so I cut the conversation short out of frustration and death in my family. With this delay, I had to extend my car rental another day which became very costly all due to XXXX 's error and unprofessionalism.
XXXX XXXX shared it was out of his control, however he does have another car ready to go but it's {$2000.00} more than what I budgeted for. I asked to speak to the Manager about getting a better deal, but no opinions were swayed. In desperation, I took it. I needed a car for personal use to get to work almost an hour away from my abode in XXXX XXXX to XXXX XXXX XXXX, TX.
I was sold a XXXX XXXX XXXX with a recall on the hood latch. When it came time to indorse the consumer credit contract, defined as any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section ( 16 CFR 433.1 ) ; this is when my Fianc and I were made to feel very uncomfortable. I filled out a credit application and it got converted into a loan application, how? XXXX XXXX, another XXXX sales Rep. made everything feel nice and safe and then representatives were swapped out when it came time to sign the Consumer Credit Contract '' which is a negotiable instrument pursuant to 16 Code of Federal Regulations 433.1 ( i ).
Negotiable instruments means an unconditional promise to pay a fixed amount of money, with or without interest or other charges described in the promise, pursuant to Uniform Commercial Code 3-104. This consumer credit contract contains language a promissory note would have. On page 1 it states, " PROMISE TO PAY. '' I endorsed it on the back with " PAY TO THE ORDER OF : SANTANDER CONSUMER, USA BY : XXXX XXXX without recourse. '' When specially indorsed, an instrument becomes payable to the identified person and may be negotiated only by the indorsement of that person. On XX/XX/XXXX outside the repass of my cousins funeral, I asked my fianc to contact Santander Consumer USA to find out who we should indorse the instrument ( consumer credit contract as defined in 16 Code of Federal Regulations 433.1 ( i ) ) to. A professional from Santander Consumer USA, ID number : XXXX at XXXX stated that I would be able to indorse the instrument at the XXXX Dealership.
XXXX XXXX, a Business Office Associate looked plum red when he returned from the back office with a duplicate of the page I specially indorsed pursuant to Uniform Commercial Code 3-205 stating, " My manager said that we can not accept any alterations on the contract .... '' My fianc asked XXXX if he was giving legal advice on a consumer credit contract that is governed by Federal law? XXXX hesitated and said, " I can get my manager out here right now if you want? '' This made me feel nervous and intimidated, as if I were was in the wrong for specially indorsing an instrument. XXXX then followed that with, " We can cancel this entire thing, we will not give you the keys unless you re-sign this contract as instructed and without indorsement. XXXX had the keys in her hand the entire time, backing up XXXX.
I left the lot feeling deflated, rather than elated about my purchase as a consumer who financed a sale ( 16 CFR 433.1 ( e ) ) from XXXX as a Seller ( 16 CFR 433.1 ( j ). My claim is that I was violated as a consumer under the Truth in Lending Act. I tried to state my claim in person on XX/XX/XXXX in the XXXX Dealership and was intimidated not to. Within my instrument 16 Code of Federal Regulations 433.2 is meant to preserve my claims and defenses and I have attached proof in support of my CLAIM.
Knowing that I have been violated I rescinded the transaction by notifying XXXX in writing as prescribed in 12 CFR 1026.23 ( a ) ( 2 ) - Right of rescission. It reads, " To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. '' 15 USC 1635 ( f ) states, An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor. I was not given the proper disclosures required so I was within three years from the time I sent XXXX notice by mail. 12 CFR 1026.23 ( a ) ( 2 ) says, Notice is considered given when mailed.
I was not given a notice of my right to rescind or any forms that should accompany it to exercise my right. XXXX XXXX to Part XXXX Open-End Model Forms and Clauses, form XXXXXXXX XXXX Form ( For Each Transaction ) is from the CONSUMER FINANCIAL PROTECTION BUREAS website, so XXXX should have no excuse as to where these form are located. They have willfully hide this right from me.
I have mailed in my notice of rescission via USPS Express Mail, tracking number : XXXX XXXX XXXX XXXX XXXX. XXXX responded by saying, " Your correspondence stated no legitimate claims against XXXX. '' " You signed a retail installment contract agreeing to its terms. '' I agree, and part of its terms is preserving my rights when I have claims and defenses when I am violated.
I believe the the contract I signed was false and misleading contract and my instrument was taken without indorsement so that it can be immediately sold to Santander Consumer USA. 12 U.S. Code 1813 ( l ) explains that money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable.
The Uniform Commercial Code 1-201 ( 24 ) defined money as a medium of exchange currently authorized or adopted by a domestic or foreign government. The term includes a monetary unit of account established by an intergovernmental organization. So my Consumer Credit Contract was converted into money, which should have been provided to me in the form of a Purchase Money Loan under 16 CFR 433.1 ( d ) A cash advance which is received by a consumer iIN RETURN for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller.
The finance charge should have contained the sum of all charges as stated in 15 USC 1605 ( a ) - the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
I have been frauded and my only remedy and protections lies with the Truth in Lending Act and the enforcement of the CFPB.
|
| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020 my vehicle was secured by Santander Consumer USA.
I contacted Santander Consumer USA on the next business day, Monday XX/XX/2020, and I requested to speak with a representative to surrender monies owed as I assumed this was the reason.
The representative advised me that the vehicle was not collected due to late payments, but instead due to a recent death notification received from the Social Security Administration. The representative advised that I needed to complete the following steps to resolve the matter : -Make contact with the Social Security Administration , and request an erroneous letter validating my identity, and then have the information faxed to their legal team for further review.
I explained that I was completely unware of this mistake, but I wanted to surrender monies owed on the vehicle as I had fallen behind due to unforeseen circumstances related to COVID.
I made same day contact with the Social Security Administration, and I was advised that all services were delayed due to the pandemic, and their staff working remotely. To receive the erroneous letter I would have to first make an appointment with a manager on-site, and then validate my identity, but this could take a few weeks due to the ongoing pandemic.
I called Santander Consumer USA, and made them aware of the new process considering the pandemic, but also to let them know Im working to have the matter resolved. I was advised that my account would be notated, and that once I was able to collect the information needed I would be able to retrieve the vehicle, and also handle other business matters related to the vehicle.
For the following 2 weeks I called Santander and provided an update as it related to my appointment, and progress. Each instance I was advised that the account would be updated, and continue to keep them updated. At no point in time was I ever given a deadline to have this issues resolved.
During my next interaction ( maybe week 3 or 4 ), I called to provide another status update, and as I begun to explain the reason for my call, the representative abruptly explained that the vehicle was collected due to late payments, and this made sense to me as I knew I was behind. I also mentioned that this was the first time this has been mentioned to myself over the last 3 weeks, and up until this point I was advised the vehicle was NOT collected due to non-payment, but instead due to the deceased notification. I attempted to understand what monies were owed on the account, including fees as I had the monies readily available to surrender, but she stated she could not speak with me as it related to the account until I could retrieve the letter. Again, no mention of a deadline as it related to this unusual instance.
I was transferred to another representative in the deceased department, and after explaining my concern she assured me that the vehicle would not be sold, and that she could attempt to escalate my concern to her legal team, and explore other options related to verifying my identity with possibly a fax of my social security card, and/or ID. This request was later denied.
The social security confirmed the mistake during my appointment on XX/XX/2020. The letter requested was then faxed to Santander consumer USA same day. I called to ensure the letter was received, and it was confirmed, however I was told to follow-up in a few days as their legal team had to review the documents.
I followed up with Santander Consumer USA on XX/XX/2020, and the death notification was removed from my account. I then began to ask for the monies owed in an attempt to surrender, and I was advised by the representative that the vehicle was SOLD as of XX/XX/2020 to a public auction.
During my various, consistent interactions with the company I was never warned that the vehicle was in jeopardy of being sold, or that the vehicle had been sold.
I requested to speak with a manager, and he too advised that the loan should have been placed on hold, and should not have gone through regulatory proceedings until this matter was resolved. This was also a recorded call admitting to the internal process break.
The manager stated that he would have to escalate the issue to his manager for further recourse, and advised that I would receive a call within the following business days. I never received a call.
I opened a complaint with the Office of The President Santanders internal corporate escalation team, and Spoke with XXXX on XX/XX/2020. XXXX escalated the issue to his manager for further review. Additionally XXXX asked me to write-in in regards to the situation via email, and also highlight a fair resolution to the problem. Considering the vehicle was already sold, I simply requested that all monies previously paid on the vehicle be credited to a new vehicle.
I followed up on Wednesday XX/XX/2020, and spoke with a member of office, and she explained that their legal team had reviewed the situation, and also located the vehicle with the auctioneer. They verified that the vehicle was not yet sold from the auction, and was making an attempt to retrieve the vehicle.
After countless calls, and no returned phone calls from the organization I requested to speak with a manager within organization ( Office of The President ). The manager abruptly took the call, and lead by saying, Your vehicle was repossessed due to non-payment, and the vehicle has been sold, how can I help you? I explained the situation in grave detail, and she promised to follow-up on the next business day.
When she called back the following day, she explained in short that there was nothing she could do, and that the vehicle was sold according my contract, and that I had violated the contract.
I advised that I never received a phone call from the bank, an email, or a letter in-regards to the proceedings of the vehicle being sold. She focused on the fact that I was behind on payments, but I never attempted to dispute that with Santander, only to pay what I owed, and retrieve the vehicle. I also explained that I attempted to make a payment in XXXX via the online portal, but the portal was not giving me the option to do so because of the deceased notification that I wasnt aware of. Before I could make contact with the bank to understand why, the vehicle was secured.
I begged, and pleaded for her to review the calls from my previous interactions but but she stated the notes were enough to conclude her decisions, and that this was the consensus across the board. How was this a fair conclusion considering none of the calls were reviewed, and she never validated the misinformation I was told. How can Santander, a bank of this magnitude uphold their employees not providing accurate information to educate the customer?
She mentioned that I was mailed a letter in XXXX asking me to verify the notification, but it was discovered that Santander Consumer USA had the incorrect unit number for me, and therefore I never received it, or knew this was of concern. Furthermore, when I sign my contract, I listed several methods of contact, including my mailing address, cell phone number, and email. I never received a phone call from the company, nor email in regards to all things related.
In my further attempt to have the calls reviewed, the Manager released the call abruptly, and never returned my call.
Santander has a specific department that handles repossessions, and works with their customers to settle these type situations, and I was never given an opportunity to surrender the monies owed. While I understand they had to validate my identity, representatives from the company were given me very different reasons as to why it was initially secured, and refused to assist any further.
At no point in time in my various conversations was I advised of a timeline to get this done, or the vehicle would be sold. I never had any intent to part way from vehicle. I dont understand why Ive been treated this way amid a pandemic.
I am currently receiving phones calls from their debt department asking for {$5000.00} on a vehicle Ive only attempt to bring current.
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I'M SENDING YOU 2 SEPARATE LETTER THAT I MAILED TO CHRYSLER CAPITAL. IT'S MY HOPE THAT YOU CAN UNDERSTAND THE ENTIRE SITUATION BASED ON MY LETTERS.
This is what I sent to Chrysler Capital on XX/XX/XXXX Start Date of Dispute : XX/XX/XXXX to Present Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I was on one of my credit card accounts and noticed that my credit information was on there. It wasnt just a credit score ( like what Im used to seeing on other credit card statements ). I noticed more in-depth details about my credit score and why it was the way it was. Let me just say that I was completely shocked I have moved several times in my life, and I have always been able to get my mail forwarded to my new address and my bills paid ( without ever being late ). But this last move has just been disastrous for us. I had mail arriving 2 months past the post mark, mail pieces with damaged/unrecognizable contents, yellow forwarding stickers with the name of the buyer that I sold my home too, and mass confusion about whether my address is located in XXXX or XXXX XXXX ( because for some reason those two cities have the exact same zip code )!!! I also have been trying to get informed delivery for my mail and have yet to see even one, single email informing me about my mail ( even though I have opened cases about my issue to the USPS several times already ). The sad thing is that I moved in XX/XX/XXXX and things are still not exactly going smoothly.
It looks like a new XXXX XXXX that I am leasing through Chrysler Capital caused my credit score to go down drastically ( by nearly 100 points )!
I am sincerely and desperately asking for your help. I am requesting that you investigate our phenomenal credit history and credit scores. In the past 25 years, my wife and I have NEVER had a late payment attached to our credit reports. In the past 25 years, we have NEVER had a bankruptcy. In the past 25 years, we have NEVER had a delinquency. In the past 25 years, we have consistently had scores over 700 points. And if you wanted to look past 25 years ( before we got married ) you will find the same exemplary credit history.
Heres where I need your help. Please, please have compassion on us. We moved and had things happen to our mail that was completely out of our control. We worked hard to get everything straightened out, with every company that we deal with. The XXXX payment issue was the only thing that didnt seem to surface when I was calling all those companies to get my address corrected and mail delivered to the right place. If it wasnt for my wife pulling out a pen and paper to write everything down and review the bills with me ( just to be sure ) I dont know how much longer this would have gone on. I realize that there are many ways to pay and, in some ways, there are really no excuses. Life just happened and I got overwhelmed with everyone I was calling and explaining the situation too. This bill just slipped through the cracks. The weird thing is, I even got Chrysler Capital inspections in XXXX on two leased vehicles that are going to be turned in XX/XX/XXXX. I had to talk to a Chrysler Capital representative to get those inspections doneI really wish the representative would have raised the issue with meI may not be writing this letter if they would have.
Just to explain further how we really take extra care to always pay our bills on time, as soon as I realized that the XXXX payments hadnt been made, I created online accounts for all our cars ( for the first time since being a Chrysler Capital customer ) and made ALL 3 PAYMENTS IMMEDIATELY AND ELECTRONICALLY ( {$830.00} ON XX/XX/XXXX ). I created the accounts because I knew how urgent it was, especially since the issue surfaced around the new year and I couldnt get through to a representative to apologize and make the payments.
I ask that you please have compassion and correct my credit reports by reversing the negative events. I am not sure exactly how you will do this and Im not exactly sure how to phrase my request, but when I went online to look at my Chrysler Capital accounts, I noticed that there was an option to write a letter to the bureau ( so I decided to write this to you ). We have been Chrysler Capital customers since XX/XX/XXXX. Since then we have always leased anywhere from 2-4 cars for our household. Please look specifically at our Chrysler Capital accounts over the years. We were never late. If you see anything that was late it was only due to a move. We have moved twice since XX/XX/XXXX. Please notice that right now we are leasing 3 vehicles! We are very loyal customers. Please dont punish us for this extremely rare event by hurting my credit.
In addition, throughout the years we have ALWAYS done everything perfect, but we learned a very valuable lesson. Over the past couple of weeks we have been transitioning ALL of our bills to auto-pay. We know that we will be moving again in the next year and this disaster will NEVER happen to us again.
Please contact me as soon as possible about this and do everything in your power to help us.
Thank you Enclosed : A. Evidence that the buyer of my home ( my previous residence ) was getting his mail forwarded to my new address. In the meantime, I wasnt getting my mail!
B. Evidence on how I noticed that my credit score was drastically lowered due to one late payment on my XXXX.
C. Evidence on the most recent average credit score for my wife and I ( my wifes credit score did not get affected by this issue, so her score is still outstanding ).
D. Evidence from the USPS regarding one of the rare and strange occasions where two completely different cities have the same exact zip codes, thus contributing to problems with my mail delivery.
: This is what I sent to Chrysler Capital again on XX/XX/XXXX : Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I am requesting that Chrysler Capital provide me with a goodwill removal of the late payment on all three of the credit bureau reports. I requested a goodwill removal of the late payment a year ago ( shortly after the negative event happened ). I also have called Chrysler Capital and spoken to at least a dozen individuals and personally asked for forgiveness on the late payment. This one and only late payment on my credit report has caused me a great deal of hardship. In XXXX, I couldnt put a car in my name because of my credit score ( which went down over 100 points ). I tried to open a credit account to buy new tires and make much needed repairs to my wifes vehicle, but I was denied. Now, I am trying to buy a home for my family and Im asking for compassion so that I will be able to buy the home of our dreams. We have all suffered a lot over the past 9 months. We are just trying to pick up the pieces and wait for this covid-19 disaster to end. If we dont all work together to get through this, what are we here for? Im desperately asking for help.
Chrysler Capital has the power to remove this blemish from my reports and Im begging for someone to show me mercy. The experience has taught me a lot and I now pay all bills by direct withdrawal. Please dont write or call back and tell me that you cant or wont remove this late payment. The late payment was reported by you, so a reversal can also be reported by you.
Now, I am coming to you again after an entire year of living with the negative credit report. It has been a year. Im asking that you reverse the negative report because only you can do this for me. I am extremely sorry that this ever happened. It will never happen again.
Please contact me as soon as possible and do everything in your power to help me. When you help me, you are helping my entire family and we would all be extremely grateful for such an amazing act of kindness.
Thank you
|
| 09/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
XX/XX/XXXX : I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to inquire on a used XXXX XXXX XXXX they had in stock. The price was guaranteed to be {$19000.00} according to our salesman 'XXXX XXXX XXXX who was helping us with the car. Upon agreeing to purchase the car, I was sat down with their finance sales manager named XXXX XXXX XXXX.
XXXX XXXX was extremely shady in his negotiations with the car after he pulled my credit report, he initially advised that I would only be needing {$1500.00} as a down-payment which I agreed to, then he went into his office and came back, asking for {$4500.00}. He showed me a list of all my credit cards on my profile and my credit limits on each card, he then started to advise me on which credit cards I could max out to reach that down-payment. He then advised that if I could put down {$4500.00} as a down-payment, it would be a guaranteed approval.
He later then showed me a breakdown of how much my monthly payments are going to be for price of the car. I then noticed a discrepancy with the price, the advertised price of the car was {$19000.00}, but on the cost-breakdown sheet he was showing me, there was a {$3900.00} " package '' added to the price. I then questioned this package, and he reassured that they would take that package off, if I didn't want it. After agreeing that {$4500.00} down-payment is my max I could go, he then went to his office and came back with an approval saying I am approved for the car, with a down-payment of {$4800.00} ( {$300.00} more than the previous agreed down-payment ). He then only showed me what my monthly payments were going to be, and when I questioned the interest rate, he backed off a bit saying the interest doesn't matter, as long as I got the car. XXXX then advised that he could take my 3 credit cards to run the {$4800.00} down-payment. Thinking it was just {$300.00} extra, I agreed to the deal, as I was tired and really wanted the car.
Around XXXX XXXX that day, I was finalizing the paperwork with the finance manager named XXXX XXXX ', he was extremely pushy and was hastily forcing me to finish all my paperwork without reading it. He pressured me into signing everything quickly, giving the impression of him wanting to leave as soon as possible. After everything was done, and that morning I read my contract again, and couldn't help but noticed that the vehicle 's price on the contract had a huge discrepancy to the promised price of {$19000.00}. The contract shows that the price of my car is : {$23000.00}, and after tax and licensing, the new total would be {$25000.00}. After that, they applied my down-payment of {$4800.00} to the new total, to get my finance amount of : {$21000.00}. I was shocked that they had cheated me. I was originally promised a guaranteed price of {$19000.00}, which would of had my {$4800.00} down-payment applied, and the amount financed would of been {$14000.00} pre-tax and licensing. Not only that, but I was financed an interest rate of 24.56 % and the bank 's name is NOWHERE to be found on the contract. I had to call numerous times to get a finance manager to give me the bank 's information.
XX/XX/XXXX : I then called XXXX about this discrepancy right away, and the first thing he said was that the contract was already signed and he can't do anything about it, I then advised that he wouldn't finance any extra packages on top of the original agreed amount without my consent, XXXX then acted confused saying he doesn't remember any of that. XXXX then tried to push the problem to the finance manager XXXX XXXX '. I then contacted XXXX XXXX ' and inquired about the " package '' that was added on top of my sales price to which he answered vaguely saying it's for the door trims. I then asked for a list of what was included in the package, and he said he would email me it, to which I never received.
XX/XX/XXXX : I then called XXXX XXXX to ask for XXXX numerous times to only be ignored and transferred around and then hung up repeatedly. I was finally able to get in touch with XXXX XXXX ' the finance manager and he advised that he already gave the list to XXXX , which was odd, because he was originally supposed to email me the list. I then asked XXXX to email me the list, and he bluntly refused saying XXXX has the list and to get it from XXXX. I then tried numerous more times to call XXXX to only be ignored, transferred, and then hung up on.
XX/XX/XXXX - XX/XX/XXXX : I also work almost every single day, and it is nearly impossible to constantly reach out and try to get a hold of XXXX. During these dates, I have tried numerous more times to inquire about the contract discrepancy and the " package '' content that was worth almost {$4000.00} to no avail. I am afraid that this " package '' added on top of my car was a scam by the dealer to pocket {$4000.00}. Nowhere on my contract mentions anything regarding a package, they literally just raised the vehicle guaranteed price from {$19000.00} to {$23000.00}. Not only that, the contract mentions no bank that financed me. I feel so devastated that I was taken advantage of since this is my first car that I am financing, and I barley immigrated to America with not much knowledge regarding financing. I honestly feel that these men have taken advantage of my situation and manipulated it for their own gain. And in the end, I am left with a vehicle price I never agreed to and a car that is already high mileage.
Before leaving the dealership, I asked XXXX XXXX, the salesman about any dents or dings would be fixed under our warranty, since the vehicle 's color is silver, and it was already dark, so I was not able to judge the vehicle 's condition. XXXX then advised that it if any scratches or dings were visible, they would fix it free of charge. That wasn't the case when I contacted XXXX XXXX, he advised that the vehicle is purchased as is, and he gave a very blunt attitude to his answers.
XX/XX/XXXX : I came back to the dealer with my family members and found XXXX in person, we advised him of the fraudulent contract, to which he started acting confused and saying " Which salesman was it? '' knowing full well that he worked with 'XXXX XXXX ' on my vehicle. I then advised of XXXX XXXX and XXXX XXXX, to which he started to pretend to " remember ''. I reminded him of the numerous calls and messages my husband left for him. He then blamed that it was because of the XXXX XXXX weekend, hence why he was busy and he couldn't get back to me. This was all before XXXX XXXX weekend, and he had many opportunities to get back to me, to which he obviously ignored. It was then when my family member called him out on his dealings, he then said it is an open contract and nothing could be done. He showed no remorse, and aggressively brushed us off. We then left the vehicle and key at the dealership, and took pictures of the vehicle parked at their dealership. It was later then that my home video recording caught a worker at the dealership driving the car and aggressively parking it on my property without permission. They not only cheated me, but also trespassed my property, when we told them in person to not bring the vehicle to our property.
Original agreed vehicle price : {$19000.00} | Dealer 's Fraudulent Vehicle Price : {$23000.00} From now on, XX/XX/XXXX : We will be dropping the vehicle back at the dealership early morning, before I go work. As I do not find it fair for me to be stuck with this fraudulent contract.
Please see the attachments of the promised vehicle price taken prior to negotiating and the contract screenshot, as well.
|
| 08/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
RE : Santander Consumer USA Account XXXX. XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character.
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : Creditor is in breach of any alleged agreement that it claims I am bound by.
Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.
Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect.
Law in support of the above : SECURITIZATIONS 74. An originator of a typical securitization ( the transferor ) transfers a portfolio of financial assets to an SPE, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the SPE at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the SPE. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically ( daily or monthly ) thereafter for a defined period ( commonly three to eight years ), referred to as the revolving period. During the revolving period, the SPE uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the SPE are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the SPE.
See Statement of Financial Accounting Standards No. 140, Financial Accounting Standards Board, September 2000 ( FASB FAS140 ) Please provide the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay Santander Consumer USA Account No. XXXX/ XXXX, and or an agreement showing I agree to pay a creditor and or their agent.
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3, and establishing your legal standing to collect anything from me.
4. Any insurance claims been made by any creditor regarding this account.
5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.
6. Name and address of alleged original creditor.
7. Name on file of alleged debtor.
8. Alleged account number.
9. Address on file for alleged debtor.
10. Amount of alleged debt and what it is for.
11. Date this alleged debt became payable.
12. If the account is charged off, the date of original charge off or delinquency.
13. Verification that this debt was assigned or sold to collector.
14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.
15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.
16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.
17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.
18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.
19. Copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures.
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies, and a copy of such deletion request shall be sent to me immediately. You are to cease all collection efforts as delineated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA until proper validation is provided.
I would also like to request that no telephone contact be made by your offices to me, my home, or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth.
|
| 07/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
I have a loan from Santander and they are threatening repossession. I paid {$600.00}. The first of this month. I am a XXXX XXXX person and my invoice was not paid for 2 months due to an audit so all my accounts were over drawn. I lost XXXX dollars in overdraft bank fees. I need this vehicle until I can get another one in a month or two. I am paying 20 % rate. The car has XXXX dollars a month note. I have been having problems so I need to fix it. After nearly 2 years. I owe the same about on the viechle as I did when I bought it.
FOR IMMEDIATE RELEASE Wednesday, XX/XX/XXXX Justice Department Reaches Settlement with Santander Consumer USA to Resolve Allegations Concerning Over 1,100 Illegal Car Repossessions Against Service Members Santander Consumer USA Inc. has agreed to pay at least {$9.00} million to resolve a lawsuit by the Department of Justice alleging that the motor vehicle lender violated the Servicemembers Civil Relief Act ( SCRA ), the Justice Department announced today. The complaint and the settlement, which is subject to court approval, were filed today in the U.S. District Court for the Northern District of Texas.
The settlement covers the improper repossessions of 1,112 motor vehicles between XX/XX/XXXX and XX/XX/XXXX . The proposed consent order represents the largest settlement for illegal automobile repossessions ever obtained by the United States under the SCRA.
This is a just resolution that will provide service members with financial relief and help repair their bad credit caused by Santanders improper repossessions and fee collections with respect to more than 1,100 cars, said Acting Associate Attorney General XXXX XXXX . The Department of Justice will continue devoting time and resources to protect our service members and their families from such unjust actions and hold bad actors accountable. '' Those who answer this nations call to duty understandably have much on their minds while they are in military service, said Acting Assistant Attorney General XXXX XXXX of the Civil Rights Division. Whether their car will be seized and sold at auction should not be an additional worry. We will continue to vigorously pursue lenders who fail to take the simple steps necessary to determine, before repossessing a car, whether it is owned by a service member.
The SCRA protects service members against certain civil proceedings that could affect their legal rights while they are in military service. It requires a court to review and approve any repossession if the service member took out the loan, and made a payment, before entering military service. The court may delay the repossession or require the lender to refund prior payments before repossessing. The court may also appoint an attorney to represent the service member, require the lender to post a bond with the court and issue any other orders it deems necessary to protect the service member. By failing to obtain court orders before repossessing motor vehicles owned by protected service members, Santander prevented service members from obtaining a courts review of whether their repossessions should be delayed or adjusted in light of their military service.
The lawsuit alleges that Santander initiated and completed 760 repossessions, without court orders, of motor vehicles owned by SCRA-protected service members. The agreement requires Santander to pay {$10000.00} plus compensation for any lost equity ( with interest ) to each of these service members. The lawsuit also alleges that Santander sought to collect fees arising from an additional 352 repossessions that unrelated motor vehicle lenders had conducted in violation of the SCRA before Santander acquired the loans. The agreement requires Santander to pay {$5000.00} to each of these service members. Santander also must repair the credit of all affected service members.
The SCRA is an important protection for the men and women serving our country in the armed forces, and this settlement not only will rectify the past improper repossessions of service members vehicles but will work to prevent such improper repossessions in the future, said Acting U.S. Attorney XXXX XXXX of the Northern District of Texas.
For future repossessions, the settlement requires Santander to check the Defense Departments automated database to see if a cars owner is in military service prior to conducting a repossession.
The Department of Justice first learned of Santanders repossession practices through a referral from the U.S. Armys Legal Assistance Program. The referral involved a claim that Santander illegally repossessed the car of a service member, U.S. Army Specialist XXXX XXXX , in the middle of the night, after having been informed that he was at basic training. The department also opened its investigation after learning that Santander used an arbitration clause included in its loan documents to prevent a second service member from pursuing systematic relief through a class action lawsuit he filed alleging that Santander had repossessed service members vehicles in violation of the SCRA.
As part of its investigation, the United States has already identified Santanders illegal repossessions, and efforts to collect unlawful repossession fees, occurring between XX/XX/XXXX and XX/XX/XXXX . Service members identified based on that investigation will be contacted by an independent settlement administrator later this year. The settlement also requires Santander to conduct a review and provide compensation for any additional unlawful repossessions that may have occurred since XX/XX/XXXX . All service members who are eligible for compensation from the settlement will be contacted by the administrator, and do not need to contact the Department of Justice.
The Justice Departments enforcement of fair lending laws is conducted by the Fair Lending Unit of the Housing and Civil Enforcement Section in the Civil Right Division. Since the Fair Lending Unit was established in XX/XX/XXXX , it has filed or resolved 37 lending matters under the Fair Housing Act, the Equal Credit Opportunity Act, and the Servicemembers Civil Relief Act. The settlements in these matters provide for over {$1.00} billion in monetary relief for impacted communities and individual borrowers. The Attorney Generals annual reports to Congress on ECOA highlight the departments accomplishments in fair lending and are available at www.justice.gov/crt/publications.
The Civil Rights Division is a member of the Financial Fraud Enforcement Task Force. President Obama established this task force to wage an aggressive, coordinated and proactive effort to investigate and prosecute financial crimes. The task force includes representatives from a broad range of federal agencies, regulatory authorities, inspectors general and state and local law enforcement who, working together, bring to bear a powerful array of criminal and civil enforcement resources. The task force is working to improve efforts across the federal executive branch, and with state and local partners, to investigate and prosecute significant financial crimes, ensure just and effective punishment for those who perpetrate financial crimes, combat discrimination in the lending and financial markets and recover proceeds for victims of financial crimes. For more information on the task force, visit www.StopFraud.gov.
Topic
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by Santander. I was notified by the 3 credit reporting agencies, XXXX, XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, XXXX, XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This was my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what Santander is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
I sent my initial request for full verification of this account to Santander on XX/XX/XXXX. They didnt provide me sufficient verification per my request which was made pursuant to the FACT Act, Section 312.
In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XX/XX/XXXX, I sent a follow up to Santander to again request verification. I requested 29 very specific items to in fact verify the account, which, if needed would be requested during discovery if I were to ever file a lawsuit regarding my request. They failed to provide me with the requested information.
On XX/XX/XXXX, I sent a request of verification to Santander so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested information specifically in regards to UCC Article 9, which were as follows : 1 ) I would like to see my wet signature that was authenticated ( Authenticate is a broader term than sign and encompasses electronic signatures and similar methods. See U.C.C. 9-102 ( a ) ( 7 ). ) on a security agreement that describes the collateral.
2 ) Written confirmation that the " Right of Redemption '' was provided so that I know that my rights weren't violated under Article 9.
3 ) A copy of the notice of the intended disposition of the collateral, including the date after which a private sale occurred and the time and place of where the public sale was conducted.
4 ) Verification of the notice of my right to redeem the collateral after repossession by paying the full accelerated amount of the debt. ( U.C.C. 9-623 ).
5 ) Notice of the disposition of the collateral that contained all the required information and that it was accurate in all respects. Keep in mind that Article 9 adopts a " zero tolerance '' rule for mistakes or omissions in the notice of disposition.
As you guessed, they didnt provide me with any of this information. On XX/XX/XXXX, I requested a Deficiency Waiver in writing regarding the account. I also requested that they provide me with ALL 426 identifiers of their reporting to the bureaus as the information is inaccurate. As well, Ive requested that they remove this account from my credit report since they have failed to oblige the Fair Credit Reporting Act, the FACT Act Section 312, U.C.C. Section 9, Fair Credit Billing Act amongst many other laws put into place to protect my consumer rights. This, in my opinion is the reason that the Attorney Generals from more than half of the States have entered an agreement for them to follow.
|
| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please note that a previous case was filed. Santander responded in the complaint that they sent me the documentation. The problem is that they obviously made an error which has cost me thousands of dollars and a drop in my credit score. If you note my response from them you will see multiple times they say they sent the information to my address. However, if you look at my Contract you will see my address is in XXXX and not in XXXX. A clerical error on the behalf of Santander should not cost me for 7 years. Santander sent the paperwork to the OTHER address on file, not mine. Obviously I needed information to be sent to the address on the contract, which is XXXX XXXX XXXX, XXXX, XXXX - which is my address for the last 12 years. I should have been notified by federal and state laws multiple issues.
Required Notifications : Before your lender can sale your car, they MUST notify you of their intentions. You can waive this right, so make sure you dont sign anything the lender gives you until you consult with your lawyer. See Texas Business & Commercial Code Sect. 9.611 Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612 Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614 Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625.
I should not have to get a lawyer to fix this issue. It is obvious ( by the response from Santander ) that I never got the information required by federal and state law, and the paperwork not only did not get delivered to me, it is proven that it did not get to me because of a clerical issue made by the company. Below is my first complaint with CFPB. I have attached the 19 page response, which was emailed, but also ironically addressed to an address in XXXX with my name on it. I have never lived there. That person who did live there was a friend of my wife, and I do not live with that girl. I have had a wife for 12 years in the same house in XXXX, Texas.
XXXX Santander is reporting a repossession for this account, in the amount of {$10000.00}. It is true that I co-signed the loan on the car. The person I signed for was in an abusive relationship and my wife and I felt like she needed some help. It was not the wisest thing to do, but it seemed like the right thing to do at the time. It wasnt long after that she disappeared with the car. She made regular payments on time for about a year and then the problems began. The real issues begin once the car was repossessed. I am not disputing their right to repossess the car if she wasnt making the payments. I am concerned that once it was repossessed I wasnt provided notice that the vehicle was going to be sold. I wasnt provided any notice about what it would take to redeem the vehicle. I wasnt provided any notice about when it would be sold. All these are required under Texas Business & Commercial Code Sect. 9.612. Nor was I ever informed of what it was sold for, so I have no way of knowing if the amount they claim is still owed is correct or not. Finally, to add insult to injury the item was then slapped onto my credit report. This item is under dispute under the FCRA, 15 USC section 1681i, for being inaccurate or unverifiable, because I have no way to know if the amount being claimed is correct. It is also under dispute under the FDCPA, 15 USC section 1692g, because at all points there has been a failure to provide written notice of anything related to the repossession or sale of the vehicle. Had I known of the repossession I would have bought this car to keep this off my credit. Texas State Law requires multiple things that are not addressed in federal law that I am sure that Santander knows about but none of these things were followed. Sale/Auction : Your lender can sell your truck in a commercially reasonable manner at an auction or other type of sale. See Texas Business & Commercial Code Sect. 9.610 Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions.. See Texas Business & Commercial Code Sect. 9.611. They did not notify me of the sale. Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612. They did not notify me of the sale and did not send me the notification. Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614, None of this was done. Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625 Consequently, I am requesting that this removed from my credit report as being inaccurate, unverifiable, and under dispute where the creditor has failed to provide proper notice of the items relating to this account.
|
| 05/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
XXXX. SANTANDER bal. {$35000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX BOX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX XXXX Corporations System, XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I received a loan from Santander ( Louisiana ) in XXXX for my vehicle and they were since sued and the case was in favor of the defendant due to predatory lending. I am a victim as well and my loan has acquired many fees and I owe still a major balance and shouldnt at all! I have been with santander since XXXX but yet still owe a XXXX balance! how can that even be possible! Santander is also reporting negative information on my credit reports with XXXX AND XXXX, From my understanding according to the FCRA XXXX shouldnt be reporting at all due to the Litigation. I have sent XXXX and XXXX numerous letters about incorrect late payments but the payments are still coming back verified! How can this negative information be verified and the law clearly states its not supposed to even be reporting on my credit reports!
But according to the FCRA Santander is in clear violation of the law. Under 15 USC 1681b. This is what I sent them and they still failed to abide by the law! Which is very concerning to me! The letter that was sent to both XXXX and XXXX -- -- -- -- ->>>>> Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The law is the LAW! But yet these reporting agencies are still violating my consumer rights! This is affecting me negatively and me able to being approved for funding.
THIS IS THE LAWSUIT AGAINST SANTANDER BELOW : Louisiana Attorney General XXXX XXXX, Illinois Attorney General XXXX XXXX, and 32 of their fellow attorneys general have achieved a settlement with Santander Consumer USA Inc. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with more relief in additional deficiency waivers expected.
Thousands of consumers were exposed to unnecessarily high levels of risk when they were placed into auto loans with a high probability of default, said General XXXX. This settlement with the auto loan giant not only provides relief to those consumers, but also requires Santander to factor in a consumers ability to pay a loan into its underwriting in the future.
General XXXX and his colleagues allege that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The attorneys general also allege that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a XXXX eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
Santander will pay {$65.00} XXXX to the 34 participating states for restitution, including {>= $1,000,000} to Louisiana, for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, Santander is required to allow them to keep their car and waive any deficiency balance on the loan, up to a total value of {$45.00} XXXX in deficiency waivers. Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. Consumers that qualify for the settlement will be contacted at a later date.
The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back.
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan.
Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts Santander will also implement steps to monitor dealers who engage in income inflation, expense inflation, power booking, and Santander will enact additional documentation requirements for those dealers. Further, whereas Santander previously allowed these problematic dealers to waive documentation requirements on income and expenses, Santander no longer will allow such exceptions. If Santander has to use a default mortgage or rent payment value, the amount input must reasonably reflect the payment value for the geographic location. Finally, Santander will maintain policies and procedures for deferments, forbearances, modifications and other collection matters that all employees must follow.
Joining General XXXX and General XXXX in this settlement are the attorneys general of California, Maryland, New Jersey, Oregon, Washington, Arizona, Arkansas, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, and Wyoming.
|
| 05/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT My complaint for the Santander unfair, misleading and deceptive business practices in the bankruptcy and repossession of my car letter is attached.
I want Santander to answer the inquiries the company continues to dodge.
1 ) The bankruptcy exemptions make my equity in the vehicle part of the bankruptcy. Why does Santander refuse to return the vehicle?
2 ) Proof of Santander claim that my account was 'locked out ' instead of 'deactivated '?
3 ) Proof to show my account has always been a paperless account. Why did the company fail to provide Notifications of the repossession on my portal in the company webpage. Explain why payment arrangements, repossession actions and Account Notifications like the ones sent to my home were not included in my web portal?
3 ) Proper accounting of debits and credit to my loan? Where has the principal and interest payments been applied throughout the life of my loan. With full disclosure of the other fees applied to the account. What are you charging for?
4 ) Provide the call logs for XXXX XXXX and XXXX XXXX. These recorded calls show what I say true that I had a payment arrangement to return in XXXX XXXX to resume my monthly car loan payments?
+++++++++++++++++++++++++++++++++++++++++++++++++++++++ THIS IS NOT A DUPLICATE COMPLAINT Santander Account No. : XXXX On XX/XX/XXXX at XXXX EST I faxed the Santander Bankruptcy Department and the Executive Team a copy of my Chapter XXXX Bankruptcy. Under the bankruptcy exemptions a car loan with borrower equity belongs to the bankruptcy, is to be returned to the debtor, for a repayment plan under the bankruptcy proceedings. I requested the information on where I can pick up my vehicle and the same as my experience has been with Santander for the last 3 months, the company chooses to ignore my requests. Please tell me where to pick up my car.
Next, Santander staff claims that in XX/XX/XXXXwhen I went to my web portal on the Santander website my account was locked out because I tried to log in XXXX times. This is absolutely false. I do not have XXXX passwords to try to log into my account. I have NEVER had a problem logging in. The XXXX times Santander claims I tried to log in were in a two-week time period when I was trying to complete my part of the payment arrangement Santander and I made on XX/XX/XXXX My account on XXXX XXXX was de-activated. I am tired of the Santander lying, unfair, misleading and deceptive handling of my account that has resulted in a wrongful repossession and subsequent Chapter XXXX bankruptcy for my necessary vehicle. Please provide the Event Logs that show my account history for XXXX, XXXX, and XXXX XXXX.
I have asked several times for an accounting month by month of how much money my payment goes to principal and how much goes to interest. I want to know where my payments have gone. I want an itemized accounting of the fees for this loan pay off. Please send me an itemized accounting of all monies applied to this account. As per my paperless option. Please submit this account either to my Santander web portal ( this information is Account Payment information listed as my option with paperless selection ) If you want you can send the information to my email address so that I may retrieve it in my usual and customary way of communication with Santander Consumer. I fail to understand why I have had to spend months asking for a break down from Santander Consumer. If the company does not want to follow the USA lending rules and regulations then you should do business in America.
Santander claims my reporting of the payment arrangement can not be collaborated. The staff would like people to believe no record exist yet this is absolutely false. Every call Santander makes begins with the person saying, this is a recorded call. We live in a digital World every action on the computer system is recorded. Nothing occurs without the ability to verify. Santander wants people to believe no record exists because they do not want to show what I claim true. I had a payment arrangement with Santander staff in XXXX XXXX. In XXXX XXXX, the company changed my communication from paperless to paper, so that I would not know Santander began repossession actions, I am outside my home for work and that is the reason for a paperless account. My agreement with Santander is that a paperless account gets all Notifications, all payment information, all account communication online. Next, when I went in XXXX XXXX to make my payment, as agreed to in XXXX XXXX, I could not. Now Santander wants people to believe the account was locked out due to wrong password when in fact it was deactivated and my many requests to re-instate the account ignored. Instead, Santander sneakily came in the middle of the night and repossessed my car that I use for work. I have been swindled because Santander sees equity in my car. What Universe is this okay? You have to prove what you claim Santander. Verify for all of us to see what happened XXXX through XXXX XXXX on my web portal account. A person who makes the time to keep the lender abreast of what is going on, makes a payment arrangement, a borrower with equity in their car, is not going to allow a repossession to occur if they know about it. Thank you for your prompt attention to this matter.
I want other borrowers to beware who Santander Consumer USA Holding Inc.is. I want borrowers to beware the constant lying and misleading, deceptive business practices the company employs. Because when I chose Santander, as the lender of my car loan, I had no idea what a corrupt company this is. My research shows Santander has been losing class action lawsuits since XXXX for the same problems I experienced in the repossession of my car. The class action lawsuit courts found Santander has unfair, misleading, and deceptive business practices. Santander Consumer even has a current SEC filing for lying to the people who invest in their company. The Internet is littered with people suing Santander for their way of conducting themselves. This is a National company with two other National companies swindling customers out of their hard-earned income. The following are a list of the lawsuits I found : The following is the XXXX link to the Federal Trade Commission ( FTC ) class action lawsuit for Santander Consumer that included State Attorneys from 34 States : XXXX XXXX XXXX, ( Retrieved from the Internet onXX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXXXXXX More legal problems with Santander Consumer unfair, misleading communication and deceptive practices : Department of Justice , ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXXXXXX U.S. District Court for the Eastern District of Arkansas., XXXX XXXX XXXX XXXX Santander Consumer USA , Inc. ( Retrieved from the Internet on XX/XX/XXXX ) :XX/XX/XXXXXXXX XXXX XXXX CFPB ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX v. Santander Consumer USA Holdings Inc. , ( Retrieved from the Internet on XX/XX/XXXX ) XXXX XXXX XXXX XXXX/ CLASS ACTION COMPLAINT FOR VIOLATIONS OF THE FEDERAL SECURITIES LAWS, ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XX/XX/XXXX my XXXX XXXX XXXX that I bought in XXXX was repossessed from my home in XXXX, Colorado.
Immediately I called Chrysler Capital to see what can I do.
The first representative was an XXXX speaker told me, that the car could be any where including Texas or Arizona.
I called a second time an a representative in XXXX told me that it should be in Colorado, and I should called in two days to see where to pick up my belongings.
After two days I called them back and they gave me the phone to called the people in XXXX.
I called them and after an appointment I went to picked up my belongings.
Once I arrived home, I called Chrysler Capital to speak with someone in XXXX, it could be XXXX or XXXX or XXXX or XXXX, I spoke with then several times.
At the beginning the representative was very attentive and asking me questions and waiting for my response and suddenly, something changed that she started to be defensive and she told me " depending of my response she will see if, I am elegible or not to pay the due amount to recovered my auto. '' She told me the amount that was a little more of XXXX $ to recovered it and I told her I only have right now XXXX $ and maybe if I talk with my sister she can give me difference and I was thinking out laud and I said " I need the car to work '' and she said " you are not eligible to pay the car '' I asked why? and then I told her " I am doing pretty well right now I can do the other hundreds of dollars by the end of this week '' She repeated " you are not elegible because you are using the car for work " and she didn't know what I mean to used ny car to work and I told her '' That means is someone really need the car to work you prefer to see the person loosing everything instead to give the person another opportunity. I have rented a car and I am doing my work I don't depend of this car to work and I am doing more than XXXX $ dollars a month and I told her that I can proved all this information " and her response was " NO " I requested a manager or a supervisor and she said '' there is not other person higher than me ( Her ) to take this decision '' I told her I will look for a lawyer and she said " good luck if any lawyer will take your case '' She told me an Absolutely NO. We hanged out the called.
Next day I called back and spoke with someone in XXXX to see if this person will said something different and she said the same I am not elegible and she read what the other person wrote in the file and I told her " I would like to talk with a supervisor or manager '' her response was the same.
Between this days I received a letter written the same day it was repossed the car XX/XX/XXXX informing Chrysler Capital that they took the possession of the car because I broke an agreement date XXXXand in the letter they said ' WE INTEND TO DISPOSE OF THE VEHICLE AS EXPLAINED IN THIS NOTICE SUBJECT TO YOUR RIGHT TO GET THE VEHICLE BACK AS DESCRIBE BELOW '' and below said " I CAN GET BACK MY CAR IF I PAID ANY TIME BEFORE THEY SELL INCLUDING THE EXPENSES. " I called third time and told the person about the letter the answer was the same I received previously.
I told her " so, I will have to buy a new car and pay my new car and at the same the amount owe for the XXXX because someone decided to not give me the opportunity to pay my car back and in the letter doesn't specified that they will decided if I am elegible or not to pay the amount. It just said " TO PAY THE COMPLETE AMOUNT I HAVE TO PAY. " and the answer was the same.
Of course I look for lawyers and the payment was more of the payment I will own to Chrysler Capital So, I went to look for a car and I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX I gave a down payment of XXXX $ and I am paying around XXXX $ every month to now.
Them I received a letter XX/XX/XXXX telling me the car was sold and the balance I own to XXXX is XXXX XXXX when I received this letter I called back to XXXX and I said that I don't want to talk with any representative and I explained what happens to the representative and she told me " of course you always have the opportunity to talk with the Department of Formal complains " and XXXX the representative this time she told me that the my amount to pay is XXXX $ ( they withdraw from the original amount of the letter XXXX $ ) and she said " we cam make an arrangement to pay only XXXX $ '' And I told her why I have a horrible record because some one didn't want me to paid at that time the amount requested and I was able to do it and, why now I have to pay that amount? that is not fair and, why now I can talk with some one and now you have the Department of Complains?
So she took all my information for make someone of the complains department to called me back and I was very specific with her " I can only takes calls before XXXX XXXX or after XXXX XXXX or XXXX, don't called me before that time because I can not answer '', guest what happened. They called me after XXXX ; XXXX XXXX and then the following day, I answer the call and I said " hey I can not talk right now can you call me tomorrow between this time and this time? '' and she said " yes '' After a week no one called me I called back and asked to talk to the department of complains and they said " they try to reach me out but I didn't take there calls " and I said this is not true I answer the second call and I told her " I can not talk right now can you called me tomorrow? '' I was specific to called me between this time and this time '' and they said you didn't response to our calls them I said " I would like to told with some one higher Tham you and she said you will talk with assistance of the highest of the company and another woman answer me the phone '. And her response was you didn't answer the call and your complain is closed and you always had the opportunity to ask for the department of complains but now your complain is closed and I told her " you can listened all the conversations I had '' and she said " to late nothing else to do. '' I received a letter LIMITED TIME SETTLEMENT OFFER AVAILABLE the letters is from XX/XX/XXXX and I was trying to find a lawyers but it will be more of what they said I have to pay right now, they said I owe them XXXX $ ( XXXX $ less than before ) and they are willing to accept only XXXX $ to settle the account by XX/XX/XXXX I finally get to XXXX XXXX XXXX and they gave me this website to make a complain here. This is how I ended here. Thank you so much.
And then I was reading i the reviews of Chrysler Capital and it looks like it is a modus operandi of Chrysler Capital, I am not the only one that have past for this situation.
I have the letters I received from then and our conversations recorded for them that I can proved that no one didn't allowed to pay for my car and non of them allowed me to talk with a manager or supervisor and the said it was my right, In the letter of XX/XX/XXXX was very specific if I paid the amount they request you can take your car back and I didn't said " you must be elegible ''
|
| 08/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Dear CFPB , Hope that this email finds you well . Few months ago I had filed a complaint against Santander consumer in which I have requested Santander to remove the repo away from my credit report and have denial my request . As the driver arrive into my house I called Santander paid the past due amount in full them told the towing driver that the balance was paid but he still towed the car away . As i read Santander's respond very carefully I notice that not only they denial my request to remove my repo on complaint CFPB Case Number : XXXX but I also notice that many of the information they had provided was a misleading or inaccurate information . Dear CFPB I would like to file another complaint against Santander USA . Santander I would like to ask you again to provide the answers with details to following questions as you previously fail to answer to do so I when I requested . Please answer all the questions below in case I needed for court purpose or to provided the necessary information to the New Jersey Office Attorney General Of Mr. XXXX XXXX XXXX . 1 : In 2016 while my account was in good standing I try many times to lower my very high interest , Santander can you please explain why I were denied ? 2: Santander please explain what proper steps you took to make that decision ? 3 : Santander during XXXX did you look at my payment history ? Or do you find out if I were still employed ? Or you did run my credit to completely denial my request ? Car Repo : Santander Please provide answers with details to following questions . As I previously stated that the towing driver almost kind of force me to give him the car keys even as the payment for the amount of $ XXXX had already been made . 4: Please tell me why the towing driver still towed my car away even after payment had already been made with a debit card ? 5: Why the driver refused to speak with the Santander rep i had on the phone to verify if the payment has been posted as up to this point my car is still parked in front of my house ? 6: Why the towing driver violated the Breach Peace a New Jersey State law , when he said that if I didn't give him the keys he was going to brake the Ignition switch to take the SUV ? He also stated that the switch part was going to cost me another $ XXXX dollars to fixed if he needed to break the switch to put to SUV on the Tow truck ? As you can see the driver intentions were very clear to tow the car regardless if the payment has been posted or not . I recently investigated with local XXXX XXXX XXXX and inquired about how much the Ignition switch cost and all the dealers had the same price not including labor. Santander if you like to inquire about the price please contact any XXXX XXXX dealerand give them the last 8 numbers of the VIN XXXX XXXX XXXX model and see how much the ignition switch cost. For reference about to the switch cost please see the attachment quote from XXXX XXXX XXXX XXXX . Dear CFPB please see below my respond for Santander USA previous complaint Number : XXXX reply with my supporting documents on this new complaint .1: Santander stated that they did not try to withdraw two payments on XXXX XXXX . Please look at my two different bank statements attachments . One payment was withdraw from account ending in XXXX old account which at that time didn't have sufficient funds as I had changed account. Second payment from account ending XXXX new account which was the new account I set up with them over the phone few days prior. 2: Santander claimed on their respond that I had contacted them on XX/XX/XXXX not been able to access the system to change my bank account , But why Santander did not mentioned that i tried to contact them many times in XXXX trying to access their system to put in my new bank account and were not able to . Please see below the two password links that Santander sent me in XXXX before my payment was due . Temporary Password Code : XXXX sent by Santander XX/XX/XXXX ,Temporary Password Code : XXXX Sent by Santander XX/XX/XXXX Santander reps made the situation harder as they refused to enter my new account manually even when I had explained to them that the two links they sent me to change the account were not responding . Finally after so many attempts trying to enter the new account a manager from Santander decided to enter my new account ending XXXX manually and assured me that all future payments were going to come out of the new account and as new account was entered successfully the payment for the month of August was posted on its due date with no problem. But after the payment from the new account has cleared as I claimed , Santander still try twice to withdraw the payment for the month of XXXX from the old account with no funds in the account even when I had reach out to Santander few days earlier and the changes had already been made on the accounts . Front this point forward this is how everything started as Santander keep me away from been able to have automatic payments on my account because I didn't have money on the old account , But still Santander withdrew the money from new account for the month of XXXX . 3 : Santander claimed that I redeemed back my car on XX/XX/XXXX and this is very inaccurate / false because I redeemed back my car on XXXX XX/XX/XXXX . OnXX/XX/XXXX I booked a flight on XXXX from XXXX XXXXh to XX/XX/XXXX , I were supposed to fly out of XXXX on XXXX XXXX in the morning on XXXX XXXX flight # XXXX , But because my car was still on the towing garage the earliest I were able to get back the car was going to be on XX/XX/XXXX at XXXX . For that reason I changed the flight to leave on XXXX XXXX flight XXXX at XXXX XXXX and I had my wife to drop me off at their XXXX NJ yard location to get my car and drive my self to XXXX to catch my flight . Dear CFPB , Can Santander explain why they stating on their documents that I pick up my car XX/XX/XXXX when I actually got my car back on XX/XX/XXXX around XXXX XXXX ? 4: Lastly the next morning after my car got towed I spoked with Mr. XXXX XXXX and I explained to him of how they towed my car and what he said he was going to be removing the repo from my credit after I paid off the car , Then after I paid off my car nothing happened . Dear CFPB - Mr. XXXX is denying that the conversation took place as he said he has no record of it , But the conversation did happen and his promise was never delivered . Can you ask Santander as a lender institution if they have any records on their system of all my calls on XXXX when I was trying to lower my interest and I were denied me without giving me any writing explanation with details of their decisions . I Would like to ask again for a resolution and kindly ask Santander to have the repo be removed from my credit report . You need more assistance or information do not hesitate to reach out to me. XXXX XXXX XXXX Email Address. XXXX
|
| 05/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT, I AM ADDING MORE INFORMATION TO MY PREVIOUS COMPLAINT, Santander has attached only one part of the contract.
These are the laws and the things with proof of my documents that Santander USA has put me and probably several other Ohioans through.
You will see in the documents that I have supplied that there is a footnote or a stipulation on the bottom of the page7, that Max backend allowed is {$2900.00}. Backend allowance can not exceed product maximums ( spelled exactly like that ).
This allowed me to do research on my own studying the Ohio law that were subsequently violated : Business Opportunity Purchaser 's Protection Act ( 1979 ) ORC 1334.01 Consumer Sales Practices Act ( 1972 ) ORC 1345.01 Section 1345.02|Unfair or deceptive acts or practices In a typical auto-financing transaction, car dealers attempt to maximize the profits they earn on the front-end and back-end of an individual deal. The front-end of a transaction involves the negotiation of a sales price, whereas the back-end refers to the negotiation of ancillary products included as part of the financing of the purchase of the vehicle.
Even when acting as an indirect auto lender by purchasing installment contracts from dealers, Santander has significant control over the extension of credit or financing of a transaction, including the back-end of a transaction, such as whether to purchase a contract that includes guaranteed-asset protection ( GAP ) insurance, a GAP waiver and/or a service contract. As part of my auto finance through Santander, I was told I had to have two different service contracts that included Wrap OEMO/CPO, on pages 16 and 17 these items are shown. With interest rates in the amount of 20.73 %, increasing my interest rate 2 % more than stated on the decision page ( p.7 ). Through its credit policies, Santander asserts control over the amount dealers can include in the back-end. The generous allowances for dealers on the back-end have facilitated Santander obtaining more market share, but those same large back-end charges expose consumers to increased risk in at least two ways : 1 ) significant back-end charges increase the overall amount financed, which increases the loan-to-value ratio on the loan ; and 2 ) high finance costs increase either the consumers monthly principal-to-interest ratio or increase the term of the loan. Santander is aware that these loan features contribute to deteriorating loan quality but continues to make these loans or purchase the underlying installment contracts. Santanders aggressive pursuit of market share led it to underestimate risk associated with loans with stated income and expenses. Although Santander has sophisticated models that forecast consumer default, Santanders policies with respect to stated income and expenses allow it to underestimate default risk in important ways and to purchase loans from consumers who are unlikely to be able to pay for their loans. Santander also fails to meaningfully monitor dealer behavior such as my own to minimize the risk 5 of receiving falsified information, including the amounts specified for consumers income and expenses. One area where Santanders lack of verification as part of its underwriting, I was never once asked to prove my income, I see on documents that states that I own my house outright. I have lived at this same address for almost 10 years, I have never held ownership of this home, nor does it state that I have any real property on my credit report. At the time of my purchase my six sons were not accounted for my monthly debt -to- ratio. As stated on page 7, only my backend PTI was accounted for, which would be my insurance payment on the car I had prior, being only {$130.00} per month ( getting a new sports sedan doubled my monthly insurance ) and the car note that Santander assigned to me in the amount of {$510.00} totaling {$650.00} per month, only putting my DTI at 24.1 % which was not accurate. My DTI was over 45 % percent at the time of this loan agreement.
I am asking for you to step in and assist with everything stated, all my documents support my complaint that I have originally submitted to the Ohio Attorney Generals office. As I stated that this is not an isolated issue, conducting research on this very topic, there are over 1052 complaints on BBB stating how they have made several payments, and none seem to go towards their principle. I have personal paid {$15000.00} towards my car, even though there was to be a set percent of interest, the same amount monthly was not applied towards the principal and interest, looking at the documents attached, you will see that the amount is more that 20.73 %.
In addition to my research, I have read that Santanders known practice is seeing the consumers borrowing history and features of the loan the consumer has applied for ( such as loan-to-value ratio, debt-to-income ratio, payment-to-income ratio, mileage, and term ) and generates a probability that a consumer will become severely delinquent during a particular window of time within the term of the loan. I personal became delinquent with my loan within eight to ten months of the beginning of my loan. This probability then is converted into a scaled score on a proprietary, FICO-like scale. Due to the model Santander continues to use, this indicates how likely I the consumer would go delinquent within that window of time within the term of the loan. Santander is also said to use a separate model to predict how likely a consumer with a given proprietary score will default over the full life of the loan. This would allow Santander to tell the consumer to give a large lump sum of a payment to save their car from being repossessed and not disclosing that almost the entire amount of that payment would go towards interest and not towards the actual principles of the car, which I have done a total of five times. In June of 2020 I paid a large payment, in the amount of {$1300.00} and another payment of my actual payment amount. Close to {$700.00} went towards interest. On the day I made the second payment in XXXX, my payoff balance was set at {$12000.00}, I remember that amount because I felt I was so close to having this car paid off, a week later I received a letter which is attached that the amount shot up to {$16000.00}, the exact amount that is on one of the documents that is in the documents that are attached.
I hope that the information helps with my pursuit to show that Santander is no better than a payday lender and they in fact are a predatory lender and hurt more than they help. I also want to add that I was told to lower my payments I would need to have my car refinanced, do to my debt to ratio and missed payments with Santander and the high payoff amount, that was not going to happen.
Please note when I speak of page 7, I am speaking of the first pdf file named XXXX XXXX
Thank you,
|
| 01/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Violation of my cease and desist.
Today is XX/XX/XXXX. I am writing this without the assistance of any person. On XX/XX/XXXX, I submitted a complaint concerning SANTANDER CONSUMER USA ( SCUSA ). I have provided physical proof of how they have VIOLATED my RIGHTS as a consumer under the Fair Debt Collection Practices Act. 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). See CFPB complaint XXXX. Part of my remedy and claim was that SCUSA ceases and desist any further communication with me through any and all mediums. 15 USC 1692a ( 2 ). Communication includes consumer reporting agencies that I have no contract. Consumer Reporting Agencies include XXXX, XXXX, and XXXX. I am a federally protected consumer who asserted my rights under Federal Laws written by the trustees of the United States ( Congress ).
I get email notifications from the USPS. On XX/XX/XXXX at XXXXXXXX XXXX, I became anxious when I saw a communication from a debt collector, SCUSA. During my 1hr commute to work, I could not get out of my mind what SCUSA or its representatives had to say to me. I got home around XXXX XXXX and finally got to check the mail, and by XXXXXXXX XXXX, I decided to call the number in the communication. I called XXXX as prescribed in the commutation, which reads, " For any questions, or to request to remove the Cease and Desist from the account, please contact us directly at ( XXXX ) XXXX. See proof attached and labeled as, XX/XX/XXXX - SCUSA Proves Violation of XXXX XXXX XXXX. The automated system did not recognize the account number for the alleged obligation. Even after four attempts, the system said, " I'm sorry that is still not a valid response ; this communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Please hold while I transfer your call to a customer service agent. '' On XX/XX/XXXX, EMPLOYEE ID : XXXX- XXXX said she couldn't find me in the system because her computer froze. She found me after another attempt. She said, " I'm going to send you over to the " SPECIALIZED DEPARTMENT '' that would be able to assist you since I'm from customer service... I'm not able to pull up the account ; they would be able to pull up the account. '' I doubt this department 's mission is to make the consumer feel special.
On XX/XX/XXXX at about XXXXXXXX XXXX, EMPLOYEE ID : XXXX - XXXX stated that she couldn't find me in the system and had to refer me to another department. EMPLOYEE ID XXXX - XXXX from the " SPECIALIZED, PLATINUM SERVICES, CEASE AND DESIST DEPARTMENT '' stated I do not have an account after I provided her the account number ending in XXXX.
SCUSA has furnished statements and other communications to coerce me into believing I am participating in repaying an alleged obligation that is not mine. 15 U.S. Code 1692j - Furnishing certain deceptive forms. See attachments from complaint ID XXXX and attachments in this complaint labeled as XX/XX/XXXX - SCUSA Proves Violation of XXXX & XXXX.
I went back to review 15 USC 1692c ( c ), ( 1 ), ( 2 ), ( 3 ). Below is the only means of communication a debt collector is supposed to have with me, as prescribed by the United States Trustee, Congress.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Based on the dates on the face of the envelope, the communication is willful and knowing at this point. The date on the envelope reads XX/XX/XXXX FIRST CLASS MAIL. The communication within is dated XX/XX/XXXX and makes me feel oppressed. 15 U.S. Code 1692d ( 2 ). Emotional pain caused me anxiety even while writing this complaint, knowing that Federal Law is being overlooked and I am being deceived into paying on an alleged obligation. 15 U.S. Code 1692j. SCUSA sent another envelope on XX/XX/XXXX FIRST CLASS MAIL, but still, the communication inside was dated XX/XX/XXXX. So this leads me to believe the later dated communication was delayed on purpose as to try claim I have defaulted on an alleged obligation. I have still not received the accounting or balance sheet to prove I have a responsibility and that purchase money was loaned.
These letters violate everything that a cease and desist under 15 USC 1692c ( c ) prescribes.
SCUSA has caused me to have headaches and stomach aches just from that thought of the illegal action of repossession by this debt collector. The communications that came after the cease and desist reads in bold type font, " ... Santander Consumer USA Inc. will no longer be able to provide verbal notification prior to any repossession actions. '' SCUSA said, " Remember, you are still OBLIGATED to make your contractual payments on the account. '' I called ( XXXX ) XXXX, and no account could be found using the account number SCUSA provided. I called again at XXXXXXXX XXXX on XX/XX/XXXX to confirm.
To repossess, you would first have to possess something. SANTANDER CONSUMER USA is listed as a lienholder, and I am listed as an Owner. I can not take the threat of repossession lightly for a vehicle I used for personal purposes to be taken from me. They are leaving me without a means of travel to work and the ability to pay my actual obligations, not alleged ones from a debt collector called SCUSA, with the threat of reposession.
See attached violations of the Fair Debt Collection Practices Act and the Cease and Desist SANTANDER CONSUMER USA received on XX/XX/XXXX by XXXX XXXX. Congress wrote into Federal Law, " If such notice ( Cease and Desist ) from the consumer is made by mail, notification shall be complete upon receipt. '' 15 USC 1692c ( c ).
SANTANDER CONSUMER USA has responded to me directly. It has willingly chosen to avoid a response through the Consumer Financial Protection Bureau. 15 U.S. Code 1692a ( 1 ). SCUSA received my Cease and Desist Request on XX/XX/XXXX. See proof attached as XXXX - SCUSA XXXX & XXXX. On XX/XX/XXXX SCUSA knowingly and willfully decided to communicate ( 15 U.S. Code 1692a ( 2 ) ) with me indirectly through a consumer reporting agency. 15 U.S. Code 1611 ( 3 ) - Criminal liability for the willful and knowing violation. One day after receiving my cease and desist XX/XX/XXXX.
|
| 07/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Step 1 : What is this complaint about? Questionable Fees Pursuant to my conversation with the customer service representatives in early XX/XX/XXXX they agreed to waive {$250.00} in late fees. I followed up several times ; until finally being told that if the request was decline I would be advised. I requested a brake down of the total due, especially since the vehicle had been totaled in an accident. I just wanted to resolve any issues before an insurance payoff was received and processed.
I was told over {$500.00} in late fees would be taken from the payoff ; I disagreed, because I was never over 30 days late making a payment from XX/XX/XXXX thru XX/XX/XXXX, and typically within their payment grace period. Also this total was never disclosed, until we reached this lump sum payoff attempt.
Total Loss date XX/XX/XXXX insurance payoff {$4900.00}. Prior to and outside of accident damage, car deemed to be in great shape. I point this out because I was still several thousand dollars upside down.
The insurance {$4900.00} payoff was applied as follows : XX/XX/XXXX ( {$500.00} ) late fees, ( {$840.00} ) Principal, ( {$45.00} ) interest, ( {$3500.00} ) {$10.00} Fee to pay monthly payment* As of XX/XX/XXXX, Santander Consumer USA did not provide customers a reasonable way to make a payment using a personal checking account and or Debit Checking Account Card, you we unable to do this via their website or calling in using a representative and or automated attendant.
If you use either of these methods you would be charged a CONVINENCE FEE in my case that was {$10.00}. After research, was charged approximately {$470.00} in these convenience fees.
There is nothing in the agreement that states and or discuss that customers would be charged a fee for making online payments, and or payments over the telephone. There is nothing in the agreement that discloses a beneficial third party arrangement and or relationship.
They only free methods for making a payment was using the checking account Auto draft feature and regular USPS mail. If you signed up for this Auto draft/ Auto-Pay feature, and needed to cancel, you would have to send a written request to their Office to have this feature canceled. This cancellation process came with this obscure 30 day time frame and or process that could take up to two billing cycles ; this could result in you over drafting your personal bank account and being charged fees from the bank, and charges from Santander Consumer USA. It was a process that places an unreasonable amount of strain on the consumer.
This fee is a profit center and or arrangement that Santander Consumer USA has/had with, XXXX XXXX, however on the Santander Consumer Site this was not clearly disclosed ; at best it should have been a way to make reasonable and or normal payment.
Santander Consumer USA mishandled the payoff in fact losing and or misplacing it for weeks and later finding it, the insurance company called on status after having a discussion with Santander Consumer USA, had to reissue the payment.
Payments of {$260.00} for 72 months, loan amount {$9700.00} interest rate of XXXX Keep during this entire process ; we were at home with a child that was diagnosed with a live long well documented condition that in the beginning required an enormous amount of treatment. This was discussed with this lender on during several conversations.
Step 2 : What type of problem are you having?
Made final payment in XX/XX/XXXX, have not received anything from them not even a letter advising there was an issue.
This account is currently being reported as a charge-off with all the major Credit Bureaus, and in their system with a balance of {$260.00}. This is having a negative impact on my finances. The vehicle was totaled in accident.
Step 3 : What happened?
On XX/XX/XXXX I went into XXXX to purchase a XXXX XXXX XXXX, Santander Consumer USA was assigned as my lender. Like many American my credit was affected by the XXXX financial crisis, job loss due to company going out of business. So I was rebuilding, no Bankruptcies, no repossessions and or any late car payment history at the time. I made all my payments required from XX/XX/XXXX-XX/XX/XXXX. The final payment that I believe was needed to satisfy the loan was made on XX/XX/XXXX. Vehicle involved in an accident Total Loss date XX/XX/XXXX insurance payoff {$4900.00}.
Prior to and outside of accident damage, car deemed to be in great shape. I point this out because I was still several thousand dollars upside down rather quickly, due to the high interest rate of 24.99 %.
The insurance {$4900.00} payoff was applied as follows : XX/XX/XXXX ( {$500.00} ) late fees, ( {$840.00} ) Principal, ( {$45.00} ) interest, ( {$3500.00} ) *Also I was charged over {$470.00} in fees for making a payment by phone or on Santander Consumer USA website.
So I made on-time payments on a vehicle I did not drive or owned. I signed the title over to the Insurance Company, and had no use from XX/XX/XXXX-XX/XX/XXXX. During this period I used public transportation, rental vehicles, family, friends, and neighbors, walked, and rode a bicycle to commute and take care of lifes needs. Keep in mind I had been paying on a vehicle that was totaled since XX/XX/XXXX.
On XX/XX/XXXX between XXXX XXXX, ( most of that time going through their IVR ), I called Santander Consumer USA. I spoke with Representative XXXX, ( no last however their calls are recorded ), in summary I asked, How do I dispute my account that is showing unpaid, and I believe this was are result of some late fees that should have been removed. I promised in less than a minute this representative began telling me that there is no late fees after a charge of applied to the account just continued talking, talking over me, talking while I was talking, this was so unprofessional. The representative had taken a position within a few minutes of us talking, all I could do was just look at the telephone in amazement, and here is where I knew this representative would not be of any help in anyway. All I was able to get was XXXX XXXX XXXX XXXX XXXX, TX XXXX address to send my dispute, again. WOW!
I am upset that I have to use this means to resolve this. I live up to my end of this terrible loan. I could have just quit claimed bankruptcy, and use the laws in my favor we would not be having this discussion.
Step 4 : What company is this complaint about?
Santander Consumer USA Inc.
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Step 5 : Who are the people involved?
Parties involved : Santander Consumer USA Inc. its ( customer service, insurance/payoff department, management, and any parties they have undisclosed arrangements with.
Attachment : highlight Transactions history of late fees take from payoff, also beginning history of {$10.00} fee being applied. ( the entire history can be provided )
|
| 10/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I believe that I am being bullied by scammers. Here are the details.
My daughter asked me to cosign on a loan so she could buy a car. Unfortunately she lost her job and couldn't make the payments. The car was repossessed. About 5 years later a firm called XXXX XXXX, XXXX. contacted me. They said that they represented Santander Consumer USA who held the loan on the car. The car was repossessed and sold off again but since they couldn't reach my daughter, I was to pay off the debt. We agreed on a settlement of {$2000.00} to be paid to XXXX XXXX, XXXX ( XXXX ) in monthly installments of {$170.00}. I have a Pay Off letter stating that the account is resolved dated XX/XX/XXXX. I also have receipts of payment. The Charge Off Date was XX/XX/XXXX. I was told that my business with this vehicle was completed.
On XX/XX/XXXX a firm called XXXX XXXX XXXX, XXXX contacted me and said that there was a warrant out to garnish my wages and seize my bank account. This was to take place the next day. They told me that I could try to fight it in court, but that could take months and my accounts would still be seized and my wages garnished until resolved. I explained that I had already paid the debt and that I had a letter stating that. They said since they tried to resolve this by sending someone to my house, but they couldn't find my address, I had only two choices. Pay them now and resolve this debt for good or have my wages garnished and bank account seized tomorrow. I was very upset, crying and confused. The lady on the phone said that we only had less than 30 minutes to resolve this or the warrant would process and there was nothing we could do. I told her that I could send her a copy of the Pay Off letter but she said that it didn't matter, I would have to fight it in court. She would not allow me the opportunity to send her the XXXX XXXX letter. Again she threatened me that my wages would be garnished and bank accounts seized. She said that she could try to work a lower fee with her supervisor but that was only a maybe. She put me on hold. When she came back on the line she told me that she got it lower to a total of {$2500.00}. She said that at this point since it has taken so long to explain everything to me, that I only had one option and that was to pay. So I paid the agreed amount of {$2500.00} to XXXX XXXX XXXX XXXX, the firm that processes payments for XXXX XXXX XXXX XXXX. I had to sign electronic papers and they sent a receipt stating that it was paid in full and no one else could claim the debt. Again, I understood that this would resolve my dealings with this vehicle. I should also say that my house is very easy to find and that no one had delivered any papers or anything to me. During this entire situation I was crying and very XXXX
On XX/XX/XXXX a lady from XXXX XXXX XXXX called me and told me that I still owe this debt. She said that XXXX XXXX XXXX did not pay off the debt as agreed. It didn't matter that I had paid this debt off twice. She said that XXXX XXXX XXXX owned the debt now since XXXX XXXX XXXX XXXX didn't pay it. I had less than an hour before a warrant was issued to garnish my wages and take money from any accounts that I had and even put a lien on my home. She would leave me only {$340.00}. She knew that I had paid XXXX XXXX XXXX XXXX {$2500.00}. She told me who they were and exactly how much I paid them. She said that XXXX XXXX XXXX XXXX never paid off the debt and I was liable for the money. I was very upset and confused by all of this. How could I make sure that XXXX XXXX XXXX was going to pay it, I asked. She got hateful and aggressive at this point. She then told me that I could always hang up the phone and that the warrant would go through the next day. They had filed it with the Clerk of Courts that morning in my county and she only had minutes to stop it. She said that she would help me but that I had to stop crying and calm down. She said that if I had been affected by XXXX XXXX she could work a deal for me. She then asked if I had been affected by XXXX I told her that I had it in XXXX of this year. She worked out a deal with her supervisor that I could pay off the debt for good by paying them {$2000.00} right then using an electronic check. She would make sure that the warrant wouldn't go through. She said that if the check bounced, they would prosecute and that I would go to jail for 30 years. My husband had just gotten paid so the check was good. I had no idea how we would pay our bills but she had me so scared that I couldn't think straight. All I knew was that I had to fix this so my home would be safe. So I paid XXXX XXXX XXXX {$2000.00} by check by phone. Again she threatened me of all the things that they would do to me, garnish wages, seize all our bank accounts, put a lien on our property and put me in jail. My husband has advanced stage XXXX XXXX so I couldn't let any of those things happen. She then told me that I should call my bank and tell my bank that XXXX XXXX XXXX, XXXX didn't have my permission to take money from my account. She told me to tell my bank that it was a fraud. She said that this was off the record and that she is helping me. That I should also file a lawsuit against XXXX XXXX XXXX, XXXX. ThaXXXX XXXX XXXX XXXX was filing a suit against XXXX XXXX XXXX, XXXX because they have pulled this stunt with three other people so far. She told me repeatedly to tell my bank that XXXX XXXX XXXX, XXXX took money from my account without my permission and that it was an act of fraud. That way my bank would make sure I got my money back. She said that she used to work in the fraud department and knew that I could get my money back. She told me repeatedly to lie to my bank. That isn't right. I didn't think that a reputable company would tell someone to lie. But by this time I had already signed the document and paid by Check by Phone. I told my bank the truth.
My husband came in while I was on the phone with the lady from XXXX XXXX XXXX. When he heard how she was threatening me he started recording the conversation and he informed her of that fact. She was not happy with him and told him that if he didn't talk nicer to him she would hang up the phone and not help me. I started to panic. I couldn't afford for her to garnish my wages and seize our accounts.
My husband said that I was being scammed. I didn't understand how that could be when both companies said they had warrants out to garnish my wages and seize our accounts. He called our bank and put a Stop Payment on the check. I am very afraid of what they might do. I don't know how to stop this. I transferred all the money that we had in savings to pay off the debt that XXXX XXXX XXXX XXXX said I owed. I am afraid to answer my phone. I'm afraid to answer the door. I'm afraid they will come for me at work. Please help me.
|
| 01/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I got a response from Santander consumer USA / Chrysler Capital here are some highlights that I would like to address Re : CFPB Case Number : XXXX-XXXX Chrysler Capital Account No. : XXXX Thank you for allowing us the opportunity to address your concerns regarding your account with Chrysler Capital .
We regret any inconvenience you may have experienced in trying to resolve this issue. Our customers concerns and experiences are of the Retail Installment Sale Contract ( Contract ) Which contradicts themself as being accurate on their reliable sources report.
We are unable to corroborate your statement that Chrysler Capital is ignoring your phone calls, as the last contact we had with you was on XX/XX/XXXX. If further assistance is needed please ensure you are using the contact information provided in this response to reach our Customer Service Department.
Can we address this with XXXX XXXX and ask for a transparency report of multiple people reporting that Santander consumer USA and Chrysler Capital are not responding and answering their phone calls and we can bring multiple retweets on social media that your representatives gives us the same number XXXX and still denied to communicate with the problem.
Also you in the letter Santander / Chrysler send to me stated : Thank you for you for inquiring about the recent legal settlement that Santander Consumer USA Inc. has made with the attorneys general of several states. An independent administrator is managing all questions and claims relative to the settlement. For information regarding eligibility or other issues regarding the settlement, please visit http : //santandermultistateagsettlement.com.
As it also continued to contradict it their company decision to denied their obligations. As stated in the letter send on XX/XX/XXXX Your account is with Chrysler Capital, not Santander Consumer USA XXXX. Therefore, your account was not included as a part of the settlement.
When contacting XXXX XXXX : XXXX XXXXis the settlement administrator. I was one of the People that was designated to take part of the settlement. It doesnt matter which company needs to acknowledge that you have an obligation to comply with the final judgment.
As in your website and letter head clearly stated XXXX Chrysler Capital. Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA XXXX. Lease agreements are owned by XXXX XXXX XXXX XXXX and serviced by Chrysler Capital.
Multi state government have announced that whether its Santander consumer USA/ Chrysler Capital . You are responsible for violating the consumer act and violating your commitment to resolve the violation.
Now if we take consideration on examinate Retail Installment Sale Contract Our records indicate the following terms of your Retail Installment Sale Contract ( Contract ) : XX/XX/XXXX It clearly states in the multi state settlement 1.Restitution Who qualifies? You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX Therefore, I qualified. And I am part of the settlement and I have proof of receipt.
Another type of relief I qualify for is Deficiency Waivers : Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score.
a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and So I am eligible for this settlement as well and I am part of the settlement.
And final the end of the letter Customers receive a 1099-C form when a waiver/debt forgiveness of {$590.00} or more is processed. We are unable to honor your request since this does not apply to your account.
But Im getting an Ultimatum letter by Santander consumer USA/Chrysler Capital XX/XX/XXXX Account Number : Collateral : Payoff Amount : Daily Interest : Payoff Through : XXXX {$8000.00} ( This payoff is good for 15 days from today 's date ) {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : The estimated amount to pay off your account is {$8000.00}, good through XX/XX/XXXX. This payoff amount is subject to a final reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. Title will not be released until the account is paid in full.
Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after XX/XX/XXXX, please add {$0.00} for each additional day.
And still Santander consumer USA denies me to take part of any sort of relief and violating my consumer rights.
After it was announced by A consent order has been issued by the Consumer Financial Protection Bureau ( CFPB against Santander Consumer USA Holdings Inc. SC for allegedly violating the Fair Credit Reporting Act. The CFPB has ordered the originator and servicer of nonprime auto loans and leases to pay a fine of {$4.00} XXXX to settle charges that it knowingly supplied inaccurate consumer credit data to the three major credit reporting agencies ( CRAs.
Per the consent order, between XX/XX/XXXX and XX/XX/XXXX, the consumer loan data that Santander Consumer provided to the CRAs contained numerous systemic errors such as the wrong date when an account first became delinquent, which could have negatively impacted consumers credit scores and their access to credit ...
Santander consumer USA/ Chrysler Capital Youre violating your obligations and my consumer protection laws by exposing borrowers with subprime credit into auto loans with a high chance of default.
I demand deletion on my 3 or 4 major reports you have report it to now! I will also put a complaint to the office of currency and trade commission if you still violating and still excusing yourself with Chrysler Capital is the indirect lender and assignee of the Contract. The approval of an assignment of any contract, including yours,
is based on the information provided to us by the customer and the Dealership. The terms of the Contract were negotiated with the Dealership at the time of purchase. Yet, its still a Chrysler Capital. Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA XXXX. Lease agreements are owned by XXXX XXXX XXXX XXXX and serviced by Chrysler Capital.
By yet you state that the dealership XXXX XXXX XXXX and Trade Name ( " Doing Business As ... '' ) : XXXX XXXX XXXX ..
Please do your obligations and delete the contract from my credit reports. You repossessed, you sold the car, you got the money. And you violated my rights and still want me to pay off. And not giving me a chance to breathe. Its just mind blowing.
|
| 12/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a consumer and I am writing this without the assistance of any third party. I am going based off my understanding and review of the FDCPA, TILA, and FCRA.
SANTANDER CONSUMER USA Is violating the FAIR DEBT COLLECTION PRACTICES ACT - Again 15 USC 1692b ( 5 ) I have received, by mail communication from the debt collector, SANTANDER CONSUMER USA ( XXXX ) with symbols all over it which lets any holder of that mail know that I am being contacted by a debt collector and that is a violation of my privacy as a consumer. On the communication inside the envelope symbols are found in the top left which causes me anxieties knowing that I am being contacted by a debt collector who is claiming I owe an alleged obligation without any proof of such claim ; when I asked for validation under 15 USC1692g on my affidavit ( see attachment labeled EXHIBIT XXXXX ) they responded poorly, see EXHIBIT XXXXXX.
15 USC 1692c ( c ) I am very aware of my rights as a consumer and so, I did not ever give permission or direct consent to Santander consumer USA to communicate with me through any medium ; this includes the coercion of advertising an alleged obligation to consumer reporting agencies. I signed my cease and desist notification on XX/XX/XXXX and sent it USPS express mail tracking number XXXX XXXX XXXX XXXX XXXX. It was signed for by XXXX XXXX or XXXX XXXX on XX/XX/XXXX of Santander consumer USA. The federal law Congress wrote pursuant to 15 USC 1692c ( c ), states, If such a notice ( meaning Cease communication notice ) from the consumer is made by mail, notification shall be complete upon receipt. My right to payment is that I notified XXXX by mail to cease and desist and they willfully violated federal law. See communication ( statement ) dated XX/XX/XXXX, drafted two days after receipt of my cease-and-desist notice. See communication ( response from my validation notice ) dated XX/XX/XXXX, four days after my cease-and-desist. See communication ( fax ) dated XX/XX/XXXX for days after my cease-and-desist.
15 USC 1692d ( 2 ) I find it obscene and offensive that XXXX in a communication that violated my cease-and-desist under federal law would say, your contract was sold to us. In fact, I have communication from from XXXX that states, XXXX XXXX purchased and took assignment of the contract. All of this is fraud to get me to start payment on an alleged obligation that is invalidated. See attached XXXX XXXX Instrument twice - EXHIBIT ' communication from XXXX as proof. How many times was this instrument sold? Why was my Request Form ignored, see attachment XXXX XXXX XXXX XXXX XXXX - EXHIBIT.
15 USC 1692d ( 4 ) I have no contract or agreement with any consumer reporting agency, however, Santander consumer USA has shared my private information as a consumer to advertise an alleged obligation to coerce payment of an invalidated obligation. This violated not only the FDCPA also the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ). I have never given written instruction or permission to any consumer reporting agency to furnish private information about me and XXXX has no permissible purpose in the furnishing any information about me as a consumer.
15 USC 1692e Santander consumer USA has used false and deceptive means to coerce me to pay an alleged debt. They claim to have purchased a contract from XXXX, but XXXX says XXXX financial purchased it on XX/XX/XXXX as well. My questions were left unanswered in my Request-Form, so how much was the contract purchased for from XXXX? Why is my private information being passed around for fraudulent reasons? What is the name of the registered agent that endorsed my instrument? See attached, XXXX sold Instrument twice - EXHIBIT.
15 USC 1692e ( 8 ) Santander consumer USA has communicated with Consumer reporting agencies 1 day after receiving my XXXX & XXXX, XXXX, XXXX XXXX EXHIBIT and has failed to communicate that the alleged that was disputed by an affidavit. See page 2 of my Affidavit of Debt Validation. The first sentence states, XXXX is currently disputed by Santander consumer USA and myself. See attached, XXXX & XXXX, XXXX, XXXX XXXX EXHIBIT.
15 USC 1692e ( 10 ) Sending me a statement in a positive number claiming payment is due is deceptive and it is causing me stress to know that Santander consumer USA is not following federal law and instead is willfully choosing to follow policy of their company, even in clear violation of federal law. Fraud fraud fraud. See attachment Stmt XX/XX/XXXX & XX/XX/XXXX - EXHIBIT 15 USC 1692f ( 8 ) All communications from Santander consumer USA contains symbols from this debt collector and is a violation of the fair debt collection practices act. I have found XXXX individual on this matter which again is in direct violation of the fair debt collection practices act. See attachment Stmt XX/XX/XXXX & XX/XX/XXXX - EXHIBIT.
15 USC 1692g ( a ) Santander consumer USA did not include on any written notice that prescribed XXXX 15 USC 1692ga ( 3 ) ( 4 ) ( 5 ) said that a debt collector shall. These willful individual actions by Santander consumer USA violates the FDCPA and me as a federally protected Consumer. See attachment 'Stmt XX/XX/XXXX & XX/XX/XXXX - EXHIBIT. ' 15 USC 1692g ( b ) I have requested the name and address of the original creditor and that I am disputing the validity of the alleged obligation, as prescribed in federal law. See Santander consumer USAs response to this request which caused me to involve the bureau, the Consumer Financial Protection Bureau. See attached, XXXX XXXX XXXX, XXXXXXXX XXXX - EXHIBIT as proof.
15 USC 1692j I applied to extend my own credit to myself on XX/XX/XXXX with XXXX. The finance charge should have been the sum of all charges based on my understanding of 15 USC 1605. The instrument I signed was sold to two debt collectors as defined under the FDCPA. Santander Consumer USA and XXXX XXXX based on written correspondence from XXXX and now as of today Santander consumer USA is sending me communication, violating my cease and desist and claiming that I owe an alleged debt. It is unlawful to furnish such forms to have me believe that I am participating in such collection when I am not. See XXXX sold Instrument twice - EXHIBIT & Stmt XX/XX/XXXX & XX/XX/XXXX - EXHIBIT Lastly, see attachment XXXX XX/XX/XXXX fax/response - EXHIBIT page 11. It states, " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' I have listed my claim and I have a right to payment for these violations of the Fair Debt Collection Practices Act. Prove me wrong.
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
The application for a vehicle was denied due to high debt to income ratio multiple times. Approving bank had denied the loan XXXX times prior. On XXXX XXXX XXXX , after months of complaints filed and complaints dismissed, During a call to schedule payments I was informed the vehicle was scheduled for reposession. A representative from the bank informed me what the dealership reported as income, which is claimed as {$3300.00} XXXX Pay or similar description and {$4400.00} from day job, which is in fact inflated and not my true income. An " investigation '' was opened. I called every several days and each time the bank requested new information such as banking statements from XXXX and XXXX XXXX , XXXX XXXX Award Letter, and Salary Statements for XXXX and XXXX XXXX . I provided this information. It took nearly XXXX weeks and I called again to follow up, I was advised " the loan is valid '' and comments such as " well in XXXX it seems as if your income was nearly {$2500.00}, '' to which I advised my salary is approximately {$1700.00} bi-weekly gross, any additional on my salary statement is my reimbursement for business expenses incurred and is not considered income. I reiterated that my income has not exceeded nearly $ 3500 monthly plus 2906 monthly received from XXXX XXXX . I also reiterated that the same income provided at multiple dealers resulted in credit denials from all other banks, including XXXX prior denials of their own. The Agent on the phone stated " well, I appologize, the loan is valid. '' and to paraphrase, " I am not sure where you received information that we have report of your income as {$8500.00}. '' They refused to turn over documentation with income information to me and claim that I need to have subpoenaed They have gone back to " Well, we have a signed contract. '' My argument is not what I signed. My argument is that the loan is not VALID due to incorrect AND INFLATED income. When my income was inflated, it made my debt to income favorable. When asked why it was denied and then approved " well we do n't know why loans are denied '' and " I have n't really looked at the denial letters you submitted. '' They claim calls are recorded and monitored. Again, my time has been wasted these past XXXX months arguing with this bank. They claim they " talk to a dealer relations department '' when I do not believe they do. This has ruined my credit, wasted my time, and it needs to go away. Dates : XXXX - Call to self surrender vehicle. Recieved call back from Manager Spoke to XXXX or XXXX XXXX , asked me " what changed about my income '' that I could no longer afford the vehicle. I responded nothing changed, income remained same, bills remain same - I do n't understand how this loan was approved XXXX - Sunday, call back and left VM to Manager to cease self surrender X/X/XX - Called over XXXX times before I reached someone to cease surrender and confirmed cease surrender X/XX/XX - Spoke to XXXX XXXX , I wanted to schedule payments to start making current because my credit had been suffering. Was advised can not schedule payment, vehicle assigned for reposession. when I asked what the actual income reported was .. h e advised " XXXX from XXXX XXXX '' and " XXXX from day job '' This is HIGHLY inflated. And when I told him he told me he would start an investigation once he received proof my income was not what is claimed '' Asked for copy - advised that finance application is 3rd party property and is not to be disclosed to me XXXX E-mailed XXXX XXXX the following message Mr. XXXX , Thank you for the information. Is it possible you may send me a PDF copy of the documentation regarding my income that Santander Consumer USA received from XXXX XXXX . Please see my salary statements. This is the information that would have been provided as they are the most recent for the time the purchase took place. As soon as I can find my XXXX XXXX award letter, I will scan to show you that I receive {$2900.00} per month XXXX XXXX . Salary XXXX $ ( XXXX annual ) [ XXXX of my statements will show reimbursement for travel, this is not income ] XXXX XXXX $ This is less than {$6.00}, XXXX monthly. You reported to me you received a monthly income near {$8500.00} " $ XXXX '' XXXX " {$4800.00} '' DayJob I used to drive as a part-time XXXX driver ( XXXX ) with my older vehicle, however, income from that after my expenses was less than XXXX $ monthly on average. This was omitted from the application I was advised. I have also attached the scan of all of the other prior denials from Santander Consumer USA. Please do call me at your earliest convenience on Monday or Tuesday. I need this urgently investigated and resolved as the situation has been quite unfair, but I am glad you are at least XXXX that can see there is some problem at bay. My understanding is that the loan was only approved because it " needed to look good '' by the dealer adding the extended 10 year warranty and my putting down a {$2200.00} down payment to secure the deal. The loan was signed because I was advised to " pay timely for XXXX months to a year and then refinance. '' My original vehicle 's APR was near 8 %. XXXX - Called to speak with XXXX , was not in but XXXX or XXXX XXXX assisted. I forwarded to the message I sent to XXXX . XXXX - Called to follow up with XXXX or XXXX , XXXX advised she was unavailable but asked me to forward the bank statements to XXXX XXXX XXXX XXXX spoke to XXXX - " under investigation and being reviewed by dealer relations department '' XXXX received voice message from XXXX , called back Office of the President, spoke to XXXX - Needed copy of VA award letter, advised I needed to find it but my bank statements indicate my monthly XXXX deposit. XXXX - XXXX Follow up with XXXX " being reviewed '' XXXX Requested XXXX Award Letter, found it and submitted an image of this, along with banking statements - I forwarded over information I had already forwarded ALONG WITH prior denial letters ( as I sent to XXXX ) XXXX Spoke with XXXX and claims " he was about to call me '' and " I need to gather my notes '' claims " loan is valid, it is a signed contract '' that 's where he proceeds to tell me he unsure where the income I claim is inflated and fraudulent comes from, he retorts " again, we have a signed contract, I am sorry the loan is valid. '' This being stated - I do not believe ANYONE contacted any dealer relation department, nor a such department exists. I have contact counsel on this matter.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
From XX/XX/XXXX to XX/XX/XXXX, Santander Consumer USA furnished information of an auto loan to all 3 CRAs that contained systemic errors, In many instances, the errors should have been readily apparent because the data for the account was internally inconsistent. Moreover, Respondent received error reports from all 3 Credit reporting agency 's that described these errors in the companys data files. In addition, Santander Consumer USA internal audits show that it was aware of these errors as of XXXX. Despite being on notice of these errors, Santander Consumer USA continued to make them for years including XXXX - XX/XX/XXXX.
Several of Santander Consumer USA errors related to its use of the Date of First Delinquency ( DOFD ) field in its furnishing data. I contacted all 3 credit reporting agency as well as Santander Consumer USA and explained Section 605 ( a ) ( 5 ) of the FCRA requires that negative information such as late payments must be removed from a consumers credit report after that information is seven years old. 15 U.S.C. 1681 ( a ) ( 5 ). The date by which such information must be removed is determined by the date on which the account first became delinquentthe date of first delinquency. This provision allows me the consumer to rebuild their credit following a long period of delinquency.
I explained to Santander Consumer USA through mailed letters and phone calls that they are Reporting Incorrect Date of First Delinquency in all 3 of my credit profiles between XX/XX/XXXX to XX/XX/XXXX, Santander Consumer USA furnished a DOFD during this time period, the DOFD furnished by Santander Consumer USA equaled the Date of Account Information ( DOAI ) for the account. The DOAI is the date on which Respondent pulled information from its system of record each month in order to send to CRAs.
When furnishing in the XXXX XXXX format, furnishers like Santander Consumer USA must provide the DOAI so that date is updated each month until the company stops reporting on a tradeline. Even if the DOFD did equal the DOAI at one point for a particular account, it is extremely unlikely that the DOFD would equal the DOAI for t
wo or more months. A CRA informed Santander Consumer USA that it was reporting DOFDs that were more recent than previously reported DOFDs on derogatory accounts -- an error that could result from using the DOAI in the DOFD field. Santander Consumer USA received these reports from XX/XX/XXXX through XX/XX/XXXX and again in XX/XX/XXXX and early XXXX.
when Santander Consumer USA reported a DOFD that equaled the DOAI, the company also reported an account status showing a serious delinquency ( e.g., account was charged-off or at least 90 days delinquent, or the vehicle was already repossessed ). The DOAI is typically close in time to the date of furnishing because account information is ordinarily pulled for furnishing purposes shortly before it is transmitted to CRAs. By contrast, it would be extremely unusual to have a DOFD close to the date of furnishing on a seriously delinquent account.
Santander Consumer USA also furnished inconsistent information regarding whether the account in question were open or closed and whether it was carrying a balance or obligated to make future payments. To the extent that the company inaccurately reported whether the account were open or closed or that i owed money that they did not actually owe, these errors have negatively impacted my credit scores and access to credit.
between XX/XX/XXXX to XX/XX/XXXX, Santander Consumer USA furnished information indicating that accounts were paid in full, charged off, along with contradictory information suggesting the tradelines were still open. The company received error reports from a CRA highlighting this inconsistency from XX/XX/XXXX through XX/XX/XXXX.
Santander Consumer USA also reported that the auto loan had a current balance and simultaneously furnished contradictory information, such as also furnishing information indicating that the accounts were paid in full. The company had received error reports from a CRA since XX/XX/XXXX to XX/XX/XXXX advising of this error.
Prior to XX/XX/XXXX, Respondent did not consistently, for all its retail installment contract and lease portfolios, clearly and conspicuously specify to me an address where i could notify the company that information the company furnished was inaccurate.
Section 623 ( a ) ( 1 ) ( A ) of FCRA prohibits a furnisher from furnishing any information relating to a consumer to any CRA if it knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
Santander Consumer USA furnished my credit information to CRAs that contained inaccurate information about my credit accounts.
In many instances, Santander Consumer USA knew or had reasonable cause to believe that the information was inaccurate because this information was internally inconsistent. In many other instances, the company furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts. Moreover, the company continued to furnish this inaccurate information even after it had been notified about these types of errors by CRAs.
Santander Consumer USA violated 623 ( a ) ( 1 ) ( A ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
Section 623 ( a ) ( 2 ) of FCRA requires furnishers to promptly update and correct information they have furnished to a CRA that they determine is not complete or accurate. 15 U.S.C. 1681s-2 ( a ) ( 2 ).
As detailed above, in numerous instances from at least XXXX XXXX to at least XXXX XXXX Santander Consumer USA furnished to CRAs information relating to consumers that was not complete or accurate.
Santander Consumer USA furnished information that was inconsistent with its internal account information and inaccurate. In many other instances, Respondent furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts.
Santander Consumer USA received multiple error reports from at least one CRA that allowed it to determine that the information it furnished was not complete or accurate, and Respondents internal audits showed at least one of the errors listed above.
Despite this knowledge, Santander did not promptly update or correct the incomplete or inaccurate information it furnished. To the contrary, in many 11 cases Santander continued reporting inconsistent information for years after being alerted to its errors.
Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
|
| 07/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Basic usury laws in California are in the State Constitution at Article 15. For consumer loans, the parties may contract for interest on a loan primarily for personal, family or household purposes at a rate not exceeding ten percent ( 10 % ) per year.
Dealer-Loaner relationship involved 5-6 hours of wait time, alterations of information on car lease, auto repairer at XXXX XXXX XXXX lying about warranty when I attempted to fix mechanical issues that was covered under warranty. Repairer checked my vin in the system and told me that I had a XXXX mile warranty which he claimed was weird because customers at the XXXX XXXX XXXX normally have a XXXX mile warranty.
In Santanders dispute response, their paperwork that included the auto gallery dealerships installment sale contract, which they believe is " accurate '' shows that I had a XXXX mile warranty available from the beginning.
Paperwork also incorrectly states that I have a 60 month, XXXX mile warranty when XXXX only offers 10 year, XXXX mile warranty which they may alter on their website when they receive my complaint.
Penalties An individual or organization found to have originated a usurious loan in California is subject to penalties including : payment to the borrower of triple the amount of interest collected in the year before the borrower brings suit.
forfeiture to the borrower on all interest on the loan, even if the entire loan wasnt usurious.
Credit Agencies denied altering disputed information about consumers Car Loan company " Santander Consumer USA '' after creditors were aware of Santanders predatory practices that created a lawsuit involving over 33 states going after Santander and their sub prime lending practices.
Credit Agencies along with Car loan company violated Section 623 ( a ) ( 1 ) ( A ) of FCRA prohibits a furnisher from furnishing any information relating to a consumer to any CRA if it knows or has reasonable cause to believe that the information is inaccurate.
Under the Fair Credit Reporting Act, furnishers who furnish information about consumers to consumer reporting agencies must : Provide complete and accurate information to the credit reporting agencies.
Violation of The Fair Credit Reporting Act ( FCRA ) is a federal law that requires : Lenders, employers, insurance companies, and anyone using a consumer report to exercise fairness, confidentiality, and accuracy in preparing, submitting, using, and disclosing credit information.
Santander Consumer USA and XXXX XXXX XXXX don't want to admit fault, but public court documents show the dishonest sales tactics involving waiting 5-6 hours to get approved for a car, multiple agents coming to us and looking worried, waiting for us to look drained and then tell them that they are almost done and then asking for more money to put down.
In the span of five years, I've had daily calls from Santander claiming that I was behind before I ever even had any late payments. 40 min- 1 hour long phone calls while I get interrogated when I can't afford a XX/XX/XXXX monthly car loan when the car loaned to me was aXX/XX/XXXXXXXX XXXXXX/XX/XXXX that was a lemon.
Within the first week I tried to take the car back to XX/XX/XXXX and they denied any returns. The brakes would sometimes not work, the car would randomly shut off, the car would burst forward when I would brake at a red light. The car also had a huge recall for the passenger airbag which is a huge safety issue in a sub-compact car with XX/XX/XXXX horsepower.
Santander Consumer USA violated the FCRA, in which Santander told me in a dispute response, " We report account information to the 4 major credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ) ... however, reporting may differ between agencies. '' Santander Consumer USA admitted to being aware of inaccuracies but does not follow the FCRA, as Santander is responsible for giving the bureaus accurate information. Santander Consumer USA faced a 33 state lawsuit due to their notorious predatory lending.
With the violation of " Article 15 : Usury laws '' in the California constitution, loaning me a car with an 18 % APR. Loans can not exceed 10 % per year in California. The final sales price was {$27000.00} for a {$13000.00} car!.
Before having the car for a full five years, the XXXX XX/XX/XXXX transmission completely stopped working leaving me stranded on the road. Every automotive repair technician I talked to about my car situation while only having it for over 4 years pointed out that I was blatantly scammed and targeted by both XXXX XXXX XXXX and Santander Consumer USA, and there are plenty of lawsuits, complaints, and concerns that prove it. I paid over {$80.00} a month to get an oil change due to mechanical issues with the car 's oil components that was noticed within the first day of driving the car as the car leaked a lot of oil. Over {$2000.00} was spent alone just to replace the transmission of the car.
Santander Consumer USA and XXXX XXXX XXXX 's response to my complaint will be the ultimate factor of deciding whether my loan will be forgiven and report a 100 % paid off balance like it should have been for the XX/XX/XXXX XXXX XXXXXX/XX/XXXX that's has little to no market value and priced at {$3000.00} when in excellent condition on sites like XXXX XXXX XXXX. Keep in mind my car was never in excellent condition and cost me around {$7000.00} in repairs over the lifetime of the car.
This car should have never been charged off by any company that scammed me, harassed me by phone daily, and intimidated me and my son by using our vulnerability for a car as a tool against us. The high monthly payments, high APR, and constant repairs created a point of life within three months of owning this car, my son and I couldn't afford our living space and had to sleep in this car for weeks as we were XX/XX/XXXX because of Santander Consumer USA and XXXX XXXX XXXX wanting to profit and target people that were vulnerable.
Do note that Santander Consumer USA 's dispute response specified reporting personal information to the four major credit bureaus. Santander states " We report account information to the 4 major credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX )... however, reporting may differ between agencies. '' Credit Agencies are obligated to update consumer information based on what the lending company reports every month. The lack of proper reporting to all four bureaus and the lack of a proper investigation which by law prohibits third party credit agency involvement due to an agencies non-personal credit reporting puts all crediting and loan companies at risk.
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/XXXX I visited XXXX XXXX XXXX of XXXX to extend my consumer credit to complete a consumer transaction. I was told they don't do paper applications anymore it was all online. So I chose the family vehicle and contained its specific information. I went home and initiated the extension of my consumer credit looking forward to satisfy my families need. The text message interaction with the salesman XXXX didn't go as pleasant as in person. XXXX told me a cosigner was needed. Then XXXX let me know, if no cosigner, there would need to be a deposit of cash put down. I requested to know if XXXX XXXX XXXX of XXXX participated in the Truth in Lending Act. That request was not answered. A few days go by and I return to complete the transaction Friday XX/XX/. XXXX was not in so I waited. Upon XXXX returning, I informed him of title 15 U.S.C. 1662 and that I would like to complete our transaction this day and sign the contract. XXXX said he did not understand the titled statute. XXXX introduced me to the finance manager whom name is XXXX XXXX XXXX. I relayed the same notice to XXXX concerning this consumer transaction and extending my consumer credit to XXXX XXXX XXXX of XXXX. At this point, XXXX let me know I was denied by XXXX XXXX after he stated they are not a lender and that Santander Consumer USA approved my application with a {$6000.00} down payment. This admission by XXXX and along with the printout of that " decision '', puts XXXX XXXX XXXX of XXXX, XXXX XXXX, and Santander in clear violation of the Truth in Lending Act, Regulation Z, Equal Credit Opportunity Act, and specifically 15 U.S. Code 1611 - Criminal liability for willful and knowing violation. XXXX did not finish nor disclose the necessary information requested and required and told me we are not doing business with you. As he stated such, I handed him a w9 to fill out and he refused to comply with such request. He stated he was done there so I requested to speak with the manager of the facility. XXXX did not go get the manager of operations but instead the manager of Sales, XXXX XXXX. IMMEDIATELY XXXX came to XXXX office and told me to leave. He stated we are done ... Ive heard your conversations and read the text messages, this is nonsense. I requested that the w9 be filled out and he refused as well. I requested his business card and he agreed only to take 4 steps and turn around to state because his cellular number was listed he changed his mind and would not be sharing said business card. I requested his name a few times and his titled positioned and left the premises. As the consumer I have been defrauded and mislead due to false and misleading practices by way of deceptive and unfair forms. Notice was given at input of application that the consumers private personal instruments and data was valued at {$60000.00}. XXXX XXXX XXXX of XXXX has shared that information with XXXX XXXX and Santander Consumer USA making that a total of 3 entities holding my valued instruments and data in their system. 3 times {$60000.00} is {$180000.00}.
16 CFR 433.1 - Definitions.
433.1 Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
|
| 08/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Santander Consumer USA is continuing to break federal law and will not comply with the FDCPA and is still violating my federally protected consumer rights and have no repossessed my vehicle which is a consumer transaction. That is 100 % theft on the federal level. I purchased a car in XXXX under my using my strawman name which was created through contract legalese by the United States Corporation and my social security number which is owned by the United States Corporation. I have repeatedly expressed that I identify as a natural born persons and I am a non fictitious entity. Santander Consumer USA is in FACT a fictional institution and does not actually exist. As a result of this FACT, Santander Consumer USA can only deal with other legal fictional institutions and can not have any legal dealings with a MAN or WOMAN as they are not legal fictions. I have repeatedly asked and have been refused a sworn affidavit which Santander Consumer USA has acknowledged they received and is attached to this complaint. I have also asked to provide a validation of debt with detailed accounting information and verification of their claims with a signed invoice. I have a right to reject any contract unless it is shown to be lawful. The loan agreement did not provide a full disclosure of details. They have not provided a contract binding both parties that includes full disclosure ( I was not told I was creating the credit through my signature ), equal consideration ( Santander Consumer USA has brought nothing of value to the table and so have nothing to lose ), lawful terms and conditions ( Santander Consumer USAs terms and conditions were based on fraud ), and the signatures of both parties ( corporations can not sign because they have no RIGHT or MIND to contract since they are soulless legal fictions, and no third party can sign a contract on their behalf ). I have agreed to pay Santander Consumer USA provided that evidence can be produced which they have not provided in the 30 days required, so I take on the full assumption the alleged debt is fully discharged. It has not been been 4 months and I have not been provided any of those documents. I have received statements from Santander Consumer USA which I must politely reject as a form of invoice, and I have also received a copy of the application form which does not constitute a contract as it is only signed by one of the parties ( myself ). Under 15 U.S. Code 1602 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Santander Consumer USA became fraudulent when they furnish a deceptive form ( 15 U.S. Code 1692 ( c ) ) to create the false belief in the natural person that they owe an alleged debt when it was in fact a consumer transaction. Santander Consumer USA became a debt collector after I the original creditor creates a creditor by giving them my credit to extend back to me. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. A creditor refers only to a person. Only a natural born persons can extend credit, and I am the original creditor via UCC 1. Santander Consumer USA can not uphold GAAP ( Generally Accepted Accounting Principles ). Santander Consumer USA would not be able to provide or validate any money leaving their account to support their claims they have given me a loan. I extended my credit and they got a loan and they got a loan from the Federal Reserve in my name which is identity theft. I have a right to extend 15 USC 1602 ( g ), and rescind 15 USC 1635 credit. They should all be removed from My consumer report pursuant to 15 U.S. code 1681a ( 2 ) ( B ). Pursuant 15 U.S. Code 1681 ( B ) Permissible purposes of permission states that any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER - In response to the order of a court having jurisdiction to issue such order, or a subpoena issued in connection with proceedings before a federal grand jury - In accordance with the WRITTEN instructions of the consumer to whom it relates The term Identity theft is when someone uses your name, social security number, date of birth, or other identifying information without authority. This law states that as a consumer if I have not provided written permission/consent, theres no court order, and Santander Consumer USA is reporting anyways it is a violation. My next course of action is to file a complaint with XXXX XXXX Circuit courts for consumer violations and illegal debt collections practices. All supporting documents and exhibits are attached to the complaint. Please be advised that if my vehicle is sold at auction Santander Consumer USA will be held liable for the full amount of the vehicle, punitive damages, and any and all consumer violations that I have proven to be broken will stand in the eyes of the court of law. Please conduct yourself accordingly and resolve this issue before further legal action is required in which you will not be able to provide legal counsel to represent you in court and will effectively have no authority or jurisdiction in XXXX XXXX Circuit courts. THIS IS YOUR LAST AND FINAL WARNING. I am demanding the removal of any and all consumer reporting to all credit reporting AGENCIES since they are in FACT a medium and any consumer reporting should be conducted directly with the consumer upon consent. I am demanding the alleged balance be zeroed out, my vehicle returned, and my tile lien granted free or please provide a check to my mailing address for the full amount of the vehicle. Santander Consumer USA is only delaying the inevitable and must abide by FEDERAL LAW or face the highest form of prosecution. I am the only natural born persons in this relationship and I demand Santander Consumer USA identify me as such.
|
| 05/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a brand new XXXX XXXX at XXXX XXXX from car salesman, XXXX XXXX for approximately {$21000.00}. I didnt have established credit and the lender that I got through XXXX XXXX was Santander Consumer.
During the first part of XX/XX/XXXX, I reached out to XXXX XXXX ( still at XXXX XXXX ) to inquire about trading my car for something larger, as I have a wife, XXXX children and a nephew that I am the father figure for, to provide transportation for daily. XXXX stated that he would look into the inventory and trades at XXXX XXXX and get back with me.
Between approximately XX/XX/XXXX and XX/XX/XXXX, I stopped into XXXX XXXX to ask if there was an update about any vehicles. XXXX told me there was a XXXX XXXX XXXX ( with a sunroof ) that was being repaired and he would get a hold of the body shop doing the work, so that I could go see it. From what XXXX said, the price, body style, and condition of the XXXX sounded great.
On XX/XX/XXXX, I received the address of the body shop that had the XXXX XXXX XXXX from XXXX XXXX. I took my mother out with me to see it, but there was no XXXX to be found. We went back to XXXX XXXX and spoke with XXXX, who again assured my mother and I what a great vehicle this was. ** My mother is XXXX, and my father had a XXXX XXXX at XXXX on XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXXXXXX. I needed to have a solid vehicle with room for all of my family or all the things my parents would have to take on many trips back to XXXX. ** On XX/XX/XXXX, I texted XXXX XXXX to start working up what XXXX XXXX would give me for a trade. He stated that he would have the paperwork at the dealership for me to pick up on XX/XX/XXXX.
I arrived at XXXX XXXX on XX/XX/XXXX and was promised the XXXX would be there on XX/XX/XXXX I just needed to get my financing and {$1000.00} cash or check for them to hold. I had my mother with me again, and she refused to let them keep {$1000.00} cash. I went to my bank ( XXXX XXXX XXXX ) and dealt with Assistant Vice President, XXXX XXXX. She reviewed XXXX XXXX paperwork and found that they had over charged me several XXXX dollars.
I texted XXXX XXXX on XX/XX/XXXX at XXXX AM that there were paperwork errors from XXXX XXXX that needed to be fixed. I went to XXXX XXXX they agreed there was a mistake and corrected the paperwork. I went back to my bank and received a loan and a {$1000.00} check to hold the XXXX. I took a copy of the unsigned loan and a {$1000.00} check back to XXXX XXXX and completed paperwork for the purchase of the XXXX XXXX XXXX pending I liked the vehicle upon being able to physically examine/drive it.
The XXXX was not ready to see on XX/XX/XXXX. I had stopped in to see XXXX and he explained that the sunroof was taking a bit of time, it was a new shop for the dealership, ect and promised I could see it on XX/XX/XXXX.
On XX/XX/XXXX, I took my mother down to see the XXXX at XXXX XXXX. My mother and I were very disappointed. There was no sunroof, there was extensive hail damage to the body, after being detailed there were really bad stains and my mother got excited when she lifted the floor mats and there was mold/water damage. XXXX explained he didnt know how this happened. My mother went into the dealership and demanded the {$1000.00} check back. At this point, we were separated.XXXX kept telling me what deals he could make me, that were way out of my price range, not to let my mother boss me, ect. Several salesman and financial people were inside and refusing to give my mother back the {$1000.00} check without her looking at other vehicles, buying a vehicle herself, having me buy a different vehicle, ect. My mother explained very colorfully that she lent me the money for the check ( that is true ) and she wanted that check now. She got the check. I took my mother back to the bank and had to have Assistant Vice President, XXXX XXXX, destroy the loan for the XXXX XXXX XXXX.
Approximately XXXX XXXX, I went to look at trading my car at another dealership. I had my mother with me. As we sat with the financial people at the dealership, it was discovered that XXXX XXXX paid off my auto loan with Santander on my XXXX XXXX on XX/XX/XXXX! My note to Santander was paid off by XXXX XXXX and the title of my XXXX was now titled to XXXX XXXX! XXXX XXXX OWNED my car that I was making car payments and insurance payments on.
I took my mother down to XXXX XXXX. We spoke with XXXX XXXX who found everything funny and told me the only way out now, was to buy a car from XXXX XXXX. My mother was not amused and demanded to see someone to answer some questions. An elderly lady with blonde hair and wearing tacky leopard everywhere, came to see us. She explained that it was a small back office error, I could always buy a car at XXXX and it would be a seamless transition. My mother stated that was not acceptable. The elderly lady stated that since XXXX XXXX owned my car, that they could also re-possess it at any point and my mother may want to watch her tone. My mother stated she wanted to see the XXXX XXXX dealership owner, XXXX XXXX - her request was refused.
Since that time, I have stopped into XXXX XXXX several times to speak with XXXX. I am told I can buy a car from them and save myself the headache of dealing with Santander. It is also always a joke about my XXXX XXXX not being repossessedyet! I feel that as a threat to buy from XXXX XXXX or else.
I have sent 3 signed and notarized XXXXXXXX XXXX XXXX forms to Santander to get the title in my name. On XX/XX/XXXX, Santander claimed to have the XXXX I sent, but, XXXX XXXX would not do their part whatever their part is. On XX/XX/XXXX, Santander called me to inform me that I never sent in a XXXX. On XX/XX/XXXX, I called Santander and demanded that someone give me a live person and fax number that I could fax a XXXX. Later that day, I faxed a XXXX to XXXX at XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I called Santander to see if the fax was received no one knew.
I am at a loss of what to do. I am paying on and insuring a XXXX XXXX in XXXX XXXX name and have been doing it for 6 months now. I refuse to be strong armed into buying from XXXX to escape the title issue. I am unable to transport my family all together at one time. My father is now XXXX from the transplant. My sister and I each work XXXX hours a week to help support the family. And..the car is ruining my life!
If unable to attach the information, I have documentation to back up everything I am telling you, except for the in-person conversations with the elderly woman and XXXX at XXXX XXXX XXXX
|
| 06/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX at XXXX of XXXX in XXXX, XXXX. The loan was approved with a cosigner that was not honest with me about his identity because he was an investigator. During the loan application process he would always meet with the financing department at different times than me to provide his financial information as the cosigner. Then he would call me and say that all they needed to approve the loan is my financial documentation because he had already dropped off his financials. In the loan purchase the cosigner had me add an additionally secondary insurance premium to be financed into the auto loan in case of a unexpected medical situation that would provide medical coverage and payoff car or make the car payments. The loan was approved with XXXX XXXX. Once the car was delivered to dealership I received the call I could pick up my car. Before I could leave the lot the dealership needed me to have a DEC page faxed over showing that I had insurance coverage. When I called XXXX from my phone they asked for the lien holder and the vin number for my XXXX. XXXX faxed over DEC page with XXXX XXXX as the lien holder and I left. I was told I would receive the payment vouchers in the mail for my first payment that would be due in 2 months. However, in that 2 month time frame their were multiple break ins at my apartment. Some of the items stolen were my auto loan documents, tax returns documents, child custody documents, cell phone, and my bank account documents at XXXX Bank that someone had stole the page to add themselves as an authorize cosigner to my bank account. I reported this break in at the XXXX Police Department and the items stolen and closed bank account and opened a new one at XXXX. I also reported the items stolen to XXXX on my renters insurance but there was no value to those documents and a financial lost was not detected yet. Then someone broke back into my apartment and my auto loan papers reappeared on my kitchen counter along with a XXXX Police XXXX business card that I had filed a financial crimes report with back in XXXX. When I reviewed the loan documents they were altered and not the same as I remembered. I called my cosigner and asked if the information I had was the same he had and he said yes. I then called XXXX and told him that some of my documents reappeared but they were altered. And I told them the DEC page they faxed over to XXXX of XXXX was wrong and they needed to correct my insurance policy to show the correct lien holder to Santander. XXXX told me that is what they had in their system. I asked when did someone call into to make the change because I had told them it was XXXX XXXX and the XXXX page I saw reflected different information. They said there was no change. It was always Santander. So I just thought my memory was off and made my first payment to Santander. Then immediately after someone rolled into the back of my XXXX at a stop light. The lady got out of car and said she was sorry and gave me her insurance policy to call with XXXX XXXX and they would take care of it. Farmers accepted the claim and I had my car put in the body shop at XXXX of XXXX. The car was in the shop for a week. When I got the call my XXXX was ready for pick up, I also got a call from my cosigner stating new plates had come in the mail for my XXXX. I asked why the car was issued new plates and he told me that was standard process that a car receives new plates after purchased. ( At a later date I received information from a source that once I left the car at auto shop a bad accident was stage with the car so that he could make a claim on the secondary insurance company whos bank is in XXXX, but agency is in Kentucky to set up medical charges and pay the car off and cover an apartment lease that was taken out fraudulently in my name. ) I paid on this loan that was also reflected on my credit report for almost 2 and half years thinking the loan for my XXXX XXXX XXXX purchase. When I lost my job in XX/XX/XXXX and I could no longer make payments on the car so I made arrangements with my cosigner to sell the car at XXXX in XXXX, TX. In XXXX XXXX he met me at XXXX. He had already arranged to meet with an agent there to sell my car. The agent had car documents printed for me and him to sign to sell. All the documents reflected the lien was for my XXXX XXXX and tied to my vin number. I also signed a power of attorney to transfer the title and ownership of my XXXX to XXXX. Then once I thought my XXXX was sold and walked off the lot I got a call from the XXXX XXXX XXXX, XXXX XXXX. He said for me not to sell my car. My car was paid for. The Santander loan on my credit report was not my vehicle it was my biological mother 's XXXX. I told him I was never aware of that and I had already signed documents and the car was sold. He said the damage was already done and we hung up. It was then that I thought my car just got stolen to pay off my biological mothers car and was upset, but I did not think to file a stole car police report. The XXXX and XXXX could still be in my name in someone else 's possession because all the documentation was fraudulent that was signed at XXXX. I had also gone to Santander in XXXX, TX to ask to review the loan documents because apparently I was not the XXXX that signed for the loan. Santander would never let me get past the front desk or an appointment to speak with anyone regarding this. I let my fraud prevention service, XXXX XXXX know about this and asked for them to request these documents and assist me with loss recovery. The last I heard from them on a 3 way call was them ordering Santander to provide me the documentation. And the Santander representative said that it was all their fraud charges that were awaiting them. But I never received any information on this or compensation or a status update. It was also then that I was made aware that the cosigner was not the person that he said he was, but the person 's identity he was filing the documents for to get the loan had provided him with his documents to get the loan for him. Another red flag after I thought I sold my XXXX at XXXX was my credit report showed one month later XXXX XXXX had run my social security number for a policy that showed up on my credit report. I included that in my financial crimes report with the XXXX Police Department in XXXX because I did not and still do not have a vehicle at this time nor did I authorize Farmers to run my credit report for an insurance policy.
|
| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I received a settlemnt check from Santander and I strongly disagree and refuse to accept. Santander violated me as a conumer pursuant to : 15 usc 1692 d ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended ; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XXXX XXXX Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is engaging in an unlawful repossession of my vehicle.
XXXX stated there has been a repossession order place on my property which Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has no lawful authority to do because Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. and has been paid in the form of U.S Funds and U.S. Funds mean Lawful currency of the United States of America which was paper money of the United States or as stated by law 12 U.S. Code 4001 ( 4 ) The term cash means United States coins and currency, including Federal Reserve notes. I do not give Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. consent to come and take my vehicle as of XX/XX/2022 of the law states ownership is by mere possession so Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. actions will be deemed as theft 15 USC 1692d ( 1 ) ( 3 ) ( 4 ) I am demanding the order to be removed.
Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is also engaging in unfair practices with me. 15 USC 1692f ( 6 ) ( 1 ) Can you state wether or not Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is a Assignee or Purchaser in this contract?
( 2 ) Can Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. state what without recourse means by law?
( 3 ) Why does Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. still have possession of both promissory notes if they say they dont accept them?
( 4 ) Where in my contract does it say Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt accept promissory notes?
On the last CFPB complaint I made, Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. mentioned in their response Please note, XXXX does not accept promissory notes as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. These include, but are not limited to, personal checks, bank checks ( certified funds ) or money orders. 31 CFR 596.307 - Monetary instruments -CFPB Moves To Thwart Illegal Auto Repossessions as stated below : Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as : * Illegally seizing cars : Servicers are repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. Given the high level of harm caused by wrongful repossessions, servicers must ensure that every single repossession is valid.
* Sloppy record keeping : Incorrectly coded records or agents failing to talk to their colleagues about canceling repossession orders hurts consumers and is a violation of federal law. Servicers need to ensure proper communication between them and any third-party processing a repossession.
* Unreliable balance inquiries : Inaccurate balances can lead to a borrower paying less than a sufficient amount to avoid delinquency, resulting in a repossession. People are also having their vehicles repossessed because their loan payments are processed in a different order than what they had been told.
* XXXX for personal property : Servicers are still holding personal property found in repossessed vehicles XXXX until the property owner pays a fee, a practice the CFPB has been cracking down on for years The CFPB is closely watching the auto lending market. Auto loans are already the third largest consumer credit market in the United States at over {$1.00} XXXX outstanding, double the amount from ten years ago.
( 5 ) XXXX also stated that Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt have to abide by Federal Truth-in-Lending but Chrysler Capital a registered trademark XXXX XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has to abide by FDCPA. Is that true?
( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. upholding my states constitution?
( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. in possession of my financial asset which is considered a security under the Securities Exchange Act?
( 8 ) Are my billing statements considered debt instruments, which is a form of a fixed asset? Most formally known as a security.
If Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. gave me a loan, as stated by Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. I would like to see a copy of the check-stub or a copy of the check that was issued to me in the amount of {$20000.00}.
( XXXX ) Did Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc., defraud me by making an extortionate credit extension and failing to inform me of the true cost of credit that is harming our national economy and by raising the price due to consumer credit and gaining an unlawful benefit?
( 10 ) Is there a formal agreement between me and Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc.? May I ask does this agreement include a Lender and a Borrow? If so who is the Lender and Borrow?
( 11 ) An prior to the agreement who was to loan what to who? Does the agreement include the terms money, credit, loan, lender, borrow and interest?
I would like to resolve this matter private and civil. I am handling this in good faith.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. SANTANDER Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with SANTANDER and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/16/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
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.
|
| 12/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, *1. SANTANDER Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX XXXX, 60 days late on this account in XX/XX/XXXX and XX/XX/XXXX, as well as 90 days late on this account in XX/XX/XXXX, I immediately disputed this information with SANTANDER and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. CHRYSLERCAP Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX also 60 days late on XX/XX/XXXX.
I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX Texas. The lender is Santander.From the start I struggled to pay the loan, my paychecks were only {$560.00} sometimes less and the payments were {$520.00} I believe. I did not make anywhere near enough to make payments on this car from the start, especially with a 22 % interest rate. I managed to make my payment on time every month until right after my XXXX. My paycheck was dwindling and I even tried making partial payments just so I could stay caught up but by XX/XX/XXXX I just couldnt do it anymore. Santander sent me some very nasty ugly and threatening letters about being behind and essentially bullying me to make payments I couldnt afford. I had absolutely no money and fell behind on payments completely. I called them and tried to work out a payment plan and they claimed they would lower the payment to help me but when they told me the amount it was ghastly. My original was {$520.00}, they still wanted {$470.00}. When someone says theyll lower the payments for you, you really believe it but with them knowing my situation and me explaining it over and over again they just didnt get it. At times I had less than {$1.00} in my checking account, I was only getting scheduled 15-20hrs a week and we were in the middle of a pandemic and theyre still demanding almost {$500.00}. It came to the point where I called them and told them to take the car, I couldnt do it anymore. I had no money, i was unbelievably stressed and wasnt sleeping because of this situation. I was getting no hours at work and my bf ended up buying me a used car so I could get to work and try to make a little money. They knew my situation clear and well.. I had to have XXXX XXXX XXXX in XX/XX/XXXX, I was not working from XXXX thru XXXX. I was living off of short term XXXX and my paycheck was only {$200.00} every 2 weeks. With a 22 % interest rate and only making around {$500.00} biweekly and a payment that is more than what my paycheck is at times with no money left over how do they expect someone to stay caught up. They know exactly what they are doing. They are preying on people like me. Its not even about my credit, its about principal. How on earth can you approve a loan where said persons paycheck is not enough to cover a car payment and have money left to survive. I would be out on the street if it wasnt for my bf. I would be homeless right now and Im very fortunate especially being in the middle of a pandemic. When we bought our house in order to get approved our combined income had to be 2 times our monthly payment. Youd think car loans would be to, if it was a legitimate, honest lender. They have you sign off so much paperwork, they in short terms describe what it is but everything goes so fast that youre not even thinking about that. When I voluntarily gave up my car, I had to choose car or house. I chose my house because I didnt want to be homeless because I was nearly there, I had absolutely no money even though I was working it still wasnt enough to barely scrape by. Santander sent me a statement that says the balance is XXXX. Still to this day they are trying to make me lose everything. They picked up the car in XX/XX/XXXX. Theyre settlement is {$3800.00}. Where is that going to come from? I dont have that kind of money and nowadays nobody does.it has been almost a year and now they send me a letter still demanding money. I dont even know what the amount of the auction for the car was, they just sent me the supposed balance. Something needs to be done about this because still to this day they are trying to put me on the street. They know clear and well I dont have the money but they consistently demand it. Its just unbelievable that these loan sharks do this to unknowingly people like me. A 22 % interest rate, no matter how many payments Ive made it didnt even make a dent in the loan balance, but yet I was on time until my XXXX and then the pandemic hit shortly thereafter which affected scheduled hours tremendously. Because of riots the store I worked at closed 3 times. Thats more lost money. With business struggling to make sales thats less hours too. Nobody can survive on 15-20 hrs a week, with a mortgage and utilities and other financial responsibilities. I chose to save my house and give up the car. I was not going to be homeless. That was the choice I made. I am putting this out there because I dont want anyone else going through the tremendous amount of stress and anguish Ive been through because of this car loan. From the start I was broke and they knew that. What I still cant grasp to this day is how they approve people with financial standings as myself when my income is not enough to make payments and survive thereafter. Its unbelievable and I dont want anyone else to experience nor go through what I went through with Santander. I also am contacting the FTC, XXXX and state and local governments about Santander and how they prey on people with frivolous and outrageous car loans. Again, I cant say it enough about the anguish and financial hardship Ive been going through, still to this day. As of right now Im just trying to stay afloat and scape by so I can at least close me eyes at night. Unlike Santander lenders, I dont know how they sleep at night preying on people as myself. Something has to be done as especially with the way things are, this can not happen anymore. This has got to stop, they are absolute predators. They know the loan will never be paid off with a outrageous 22 % interest rate. I was essentially throwing my money into their pockets while the balance didnt go down. Please, all I ask is you make these lenders accountable. They have got to stop approving loans for people that do not have the income to cover payments at a ridiculously high and outrageous interest rate. Bad credit or not its not right to do that to someone that is trying to build their credit. Please put this to a stop.
Thank you XXXX XXXX
|
| 04/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
this is second request from chrysler capital via CFPB IS BEEN MORE THAN 1 YEAR NOW WE ARE TRYING TO RESOLVE THIS ISSUE I HAVE RECIAVED YOUR RESPOND WHICH CHRYSLER WROTE ON THE RESPOND ON EARLEIR COMPLAIN THAT WAS FILED ON XX/XX/XXXX CHRSLER RESPONDED Our records show that we did not receive a letter from you dated XX/XX/XXXX, however we did receive a letter from you dated XX/XX/XXXX to which we responded on XX/XX/XXXX. We also received another letter XX/XX/XXXX and our response is forthcoming.
Any indirect account reporting disputes submitted with the credit reporting agencies, will need to be addressed with the credit reporting agencies directly the dispute was submitted with. When an indirect dispute is received from the credit reporting agencies, Chrysler Capital reviews the information reported and responds back the originating credit reporting agency with updated information, if any.
A review of the information provided to the credit reporting agencies shows that on XX/XX/XXXX, we reported the account as Charged-Off with a balance of {$16000.00}. The account charged off on XX/XX/XXXX, when the account was over 120 days past due.
Once an account has been reported as charged off, the account will continue to report until the statute of limitations addressed by the FCRA is met.
Based on a review of the account, no further update will be made to the information being reported. We respectfully decline your request to delete the account from your credit report.
Enclosed is a copy of your Contract, Identity Theft Claim Denial Letters and Payment History for your reference HOW ABOUT IT DENAIL? WOW!
HELLO I AM XXXX XXXX FORMER EX EMPLOYEE OF DIAMLER CHRYSLER AT AGE XXXX SO AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX OF XXXX XXXX BEFORE I STARTED MY CAREER IN OTHER FIELD STILL AM ONCE YOU ARE IN CAR BUSINESS YOU ALWAYD BE IN CAR BUSINESS IS SAYING EVEN I WENT SIGNED RECORD DEAL IN MUSIC CAREER AND PRODUCING AND OTHER BUSINESSES THAT I HAVE ON SIDE I was working for XXXX back in XXXX and XXXX in XXXX and XXXX to XXXX for XXXX XXXX show me some respect to start with not denial am i on denail or you?
i like to bring to your attention what is this have to do with my dispute resolution fact this respond that i gotten dose not have suffient evidance proof and rights to over come my first request that i asked several fact in my disputes that was not resolve i will upload all of them at same time for you to review how do you consider this claim is denial? how do you know XXXX XXXX in fact purchase this vehicle? how did you verify this information? do you have any proof in fact this purchase was done by XXXX XXXX my seld and my father both made purchase 5 to 7 cars from XXXX over the years and XXXX XXXX my self i am driving land rover at moment rangrover price out around XXXX $ tousend brand new what step have you taken to put this item on my credit report according to the guide line fair credit act and consumer reporting agency? i have provided you with police report have you try to contact the police department? i send first request you asked i have insufient claim since i didnt notarize the my affidavit afther i notorize it XXXX said we can not approve the claim since your police report is not clear we cant read it maybe to XXXX to me i could read it what is the issue the ussue comes from who cause the issue in first place the 3 rd party which you may know who i know who but we cant talk about it or we dont have any prove or evidance how this party intifearance with investigation case this issue ; s lets not get of circle of trust that you and i have afther review your respond i decided to provide the document that you brougt up on the respond and upload it for XXXX to review how ever sorry for a delay that i was not able to get back to you sooner my father was checked in to XXXX hospital on XX/XX/XXXX the same day XXXX got respond and he died on the XXXX at XXXX '' XXXX afther noon there for you could know what that do to human please effective today date remove the negtive information fm my credit and respond within 3 days from the date of this complain 7 days at most failure to respond to this in timley manner will deletre all negative information with fcra no there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX ) requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. SANTANDER Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with SANTANDER and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX and the loan was through Santander Consumer USA. That same night, we ( my mother was driving behind me ) dropped off the rental and, while there, the XXXX completely shut down all electrical and would not come back on, so I sent a text to the salesperson, but I did not hear back from him because it was about XXXX ( it was a two and a half hour trip ), but then it came back on. The next day, he did text back, but I told him that it came back on, so he told me to let him know if it happens again. The next day, due to a XXXX XXXX I have just found out about, my mother went down to pick my XXXX year old daughter up in XXXX, GA, who's is about six hours from us. When she had made it there and picked up my daughter, the XXXX went dark and shut down again in the middle of a small highway. She had to be towed to a nearby XXXX dealership and then my very tired mother and daughter were at the dealership all day before finally getting a rental car from the dealership and going to a hotel because it was not resolved yet. I called Santander Consumer USA Funding Department and told them what had been and was still happening and the lady told me that she did not think it should be funded, but we agreed to wait a little before coming to that conclusion, due to the pain it would cost to try to figure out how to get them home. The next day, they waited all day, between my mother and I arguing with XXXX XXXX who were rude and did not want to help at first. I was really concerned my mother and daughter would be stranded in XXXX or I would have to pay a huge expense of a one-way plane ticket or rental car. My mother called me and XXXX XXXX was now not responding to her and that she found a great priced one-way rental car that she could rent for the week, so we have a vehicle when she gets back also, I called the Funding Department of Santander again and was told that they were not going to fund the loan and to have my mom and daughter leave the XXXX and come home. I verified this a couple more times, to make sure I heard correctly, and she was adamant and said they would not fund a vehicle that already broke down because they do not want the trouble. I told her thank you and said that I was going to be buying another vehicle and would love to work with them, if the company went through them. I then sent my mother the money to rent the vehicle, including deposit, and she left it. Two days later, I went to another local dealership and bought a XXXX, after calling my bank and disputing the deposit I gave XXXX XXXX and getting my money back. On XX/XX/XXXX, I called Santander Funding Department again, because I received a bill and they put me on hold and then came back and told me it was a mistake and they were going to reverse the funding and they are truly sorry. I told him that I understood mistakes happen, just as long as it does not hurt my credit. I received a call and voicemail ( saved ) from him on Monday, telling me they were still working on it, so I called back and was told the same and that they would contact me as soon as they were finished. I asked for an email verification and was told they do not do that and that they would take care of it. I then mentioned that they were listed on my credit report and was told that it was as a verification for the loan and should not say I am paying a loan. I told her that it said my payment amount in there and that it was a real thing on my credit report. She said they would fix it and and not to worry. I did not hear back from them and in XX/XX/XXXX, I received a call from a creditor from Santander, coming after the payments I hadn't paid and I told him to leave me alone and then called the Funding Dept at Santander and was told it would not happen again and I told them that they needed to fix this ASAP. She said they would and that was time I spoke with them for a while. On XX/XX/XXXX, I spoke with Santander and a gentleman answered and seemed very surprised when he told me that it was their mistake and he was working with his managers to fix it and I recorded the call and then, when I called again because I never heard back, I was very rudely told by a rep and manager in the funding dept that it was my problem and there was nothing more they would do ; I recorded this conversation also. I was given a phone number to call in their disputes office and I told them what happened and was told they would follow up with the Funding Dept and get back to me ; I did receive an email stating they were working on it and then a day later I received another email telling me it is my problem and their case was closed. I then called the dispute Dept back and a lady answered the phone and I told her I had voice recordings, so she asked me to send them and I did. I called again a week later and was told it was closed again and then they reopened it because I fought it. I never heard back from them after. On XX/XX/XXXX, my vehicle broke down and I went to buy a new vehicle and found out my credit score was horrible because Santander has it on there that I owe almost 20k, so I called Santander Funding Dept again to ask why its still on there and was told they did not know why and it would be fixed ASAP. I had to pay {$2000.00} for a transmission replacement because I could not get a vehicle on credit due to Santander. In XXXX, I called XXXX XXXX finance office, to discuss the vehicle situation and was told that there was nothing they would do and I needed to handle it without Santander ; the reason I called, was because Santander repeatedly told me to call them to get XXXX XXXX to send the money back to Santander because Santander accidentally paid them. Did not work at all and now my credit should be wonderful and it is very low and all due to Santanders unwillingness to correct their mistake when they accidentally funded a vehicle after they said it would not be funded.
|
| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
My lease ended in XX/XX/XXXX, I intended to purchase my vehicle at the end of the lease term. In early XXXX I requested the lease payoff amount from Chrysler Capital. The amount included the residual value, the purchase fee as well as some outstanding fees ( which I was unaware ), the total payoff was {$26000.00} ( Includne {$1900.00} in fees ). I attempted to pay the amount electronically but was informed by Chrysler Capital that it could only be paid by check. I wrote check # XXXX on XX/XX/XXXX and sent it in for payment.
The check was cashed by Chrysler Capital on XX/XX/XXXX and deducted from my account. I noticed a high balance on my account on XX/XX/XXXX and called my bank to inquire and they said the check was returned due to insufficient endorsement. I asked what I could do next and they said the company should notify me or they could resubmit it for deposit. On XX/XX/XXXX the full amount was once again deducted from my account. I have a copy of the cashed check posted on XX/XX/XXXX the the bank endorsement on the back of the check.
In early XXXX I received the bill of sale along with the title to the vehicle from Chrysler Capital in early XXXX. In mid XXXX I received a call from Chrysler saying that I had not paid off my lease. I informed them I had and the check cleared on XX/XX/XXXX. This went back and forth for several weeks, they also informed me that I owed on unbilled personal property taxes, but could not provide an accurate amount. I was able to obtain that amount from the City of XXXX and in early XXXX I paid that amount of {$1100.00} in full to Chrysler Capital.
I have provided Chrysler Capital with a copy of both the front and back of the cashed check along with a copy of my back statement multiple times. I have provided this information via fax on XX/XX/XXXX, My bank XXXX has provided this information via fax pm XX/XX/XXXX, I have also provided this information via email on two separate occasions first to a general email on XX/XX/XXXX and confirmed receipt via phone call on XX/XX/XXXX and I again provided via email directly to an operator 's email on XX/XX/XXXX.
I have reached out to Chrysler Capital numerous times to try to bring resolution to this situation. My bank statements and the copy of the cashed check endorsed by their bank clearly show that the funds were withdrawn from my account on XX/XX/XXXX and my bank has confirmed they have remained withdrawn. They have confirmed that to me and they have been on the phone with me and Chrysler Capital to confirm it as well.
Chrysler Capital has escalated this to there executive resolution office who I have been communicating with since XX/XX/XXXX. I get no resolution from anyone of their operators. I have asked to speak with a supervisor or manager, but have not received calls back from them, if I get a message from them and return the call they are not available. Chrysler Capital asked my bank if they can send the bank statement in a different format, which the bank can not accommodate, but the statement and the cashed check clearly have all the relevant information on them.
Chrysler Capital has now reported this account to the credit agencies as a delinquent account when clearly it has been paid. At the very least it is in dispute but certainly not delinquent. I have paid this account in full and should not have any negative marks on my credit report while Chrysler Capital investigates their issue. I paid the full amount on time with a legal check that was cashed.
What more can I do as a consumer? I have called my bank and am asking them to dispute the check with the bank, but because it was a legal check with an endorsement there is not much basis for a dispute.
Chrysler Financial needs to take responsibility for the resolution to this situation. The only answer I get is that their Finance Department is reviewing it. The only answer they have is that it was returned on XX/XX/XXXX even though I have sent them a copy of the check posted on XX/XX/XXXX and a copy of the bank statement.
This is not a case of a person not paying an account I have been actively involved in trying to bring this to resolution and have continued to follow up myself with Chrysler Financial.
I started logging my calls in late XXXX and I have spoken with Chrysler Financial in order to address this issue on the following dates : XX/XX/XXXX spoke to XXXX XXXX, XX/XX/XXXX ( with my bank ) spoke to XXXX # XXXX, XX/XX/XXXX ( finally got it escalated to executive resolution ) spoke to XXXX # XXXX, XX/XX/XXXX spoke to XXXX # XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX ( Supervisor ), XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX spoke with XXXX asked to speak to XXXX XXXX or his boss XXXX XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called to file complaint with XXXX XXXX, XX/XX/XXXX spoke with XXXX after getting message from XXXX ( supervisor ), XX/XX/XXXX spoke to XXXX after getting message from XXXX, XX/XX/XXXX spoke with XXXX along with a rep from my bank XXXX.
Through all of these calls I have moved no closer to resolution. I am at a loss as to how to move forward. I paid almost {$27000.00} almost a full 5 months ago. The money left my account just over 4 months ago. I have sent every shred of proof available that this has been paid, yet Chrysler Capital refuses to resolve the issue and now has incorrectly and fraudulently if not improperly reported the account as delinquent.
I have attached a copy of the lease payoff letter along with a copy of the cashed and endorsed check. I am happy to provide a copy of my bank statement if someone contacts me personally but for personal protection reasons I do not want to submit online at this point.
|
| 09/26/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, *1. CHRYSLERCAP Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/23/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, XXXX. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/XXXX.
I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. CHRYSLERCAP Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX.
I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
|
| 06/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am speaking XXXX. On XX/XX/2019 -- My friend asked me as a favor to take his XXXX XXXX XXXX for XXXX to get tires rotated. I agreed to do so.
I want to emphasize that I DID NOT GO TO XXXX XXXX XXXX XXXX ( henceforth XXXX. ) to go vehicle shopping. I had no thoughts or intentions of 'buying a car ' and then an old high school acquaintance and wrestling teammate who was/is the salesman -- saw me waiting for the service to be completed on the XXXX.
We all can agree that salespeople are taught techniques and sales tactics. I believe it is language fraud to begin with orally. And then of course to get pen to paper the practice of fraudulent conveyance of language over and on a contract. The syntax of contracts is in error. They did not tell me what language they were using either.
I am free to exercise my XXXX XXXX. Chapter XXXX XXXX ( r ).
I am free to be correct and communicate in a language that means what I say and says what I mean. In case you didn't know -- I am speaking XXXX.
As a consumer I have a right to complain about these matters so that they XXXX be corrected so that I : XXXX XXXX XXXX. am no longer being violated.
Issues : XXXX. I was not at XXXX. to go car shopping.
XXXX. Salesman asked me if they could run my credit check.
XXXX. I didn't think my credit was good enough anyways -- I was curious if it was.
XXXX. I was in between jobs but did not get the job I anticipated -- I was terminated for my criminal record on the first day.
XXXX. I went back to work part time making minimum wage in Wisconsin at the time {$7.00} round. Which means on that day I did not think I was making enough money to afford a vehicle.
XXXX. There was no verification or proof of employment necessary! *** XXXX. The whole time of going through this process was about waiting for the XXXX to be serviced and quash my curiosity.
XXXX. I was surprised that it came back with a lender i.e., Chrysler Capital.
XXXX. The salesman had me fill out all of the necessary paperwork, signed, dated, and money transferred.
XXXX. Then it was time to go pick out and XXXX XXXX a car, right? WRONG!
XXXX. I was shocked when the salesman said to wait -- and came back with this car. I did not get to pick it out.
XXXX. I did not get to pick it out OR XXXX XXXX IT?
XXXX. It was already too late in my mind -- and it stuck with me to this day -- I knew something felt wrong.
XXXX. The car was having problems immediately. Bad battery? They were willing to acknowledge they sold me a car with a bad battery right way. I think the battery was fine -- but they tried charging me {$120.00} for it. I complained about the price, for XXXX I did not actually have that much money on me.
XXXX. XXXX charged me less for the battery because I complained that I just got it.
XXXX. XXXX. thought it was the battery -- because the car kept XXXX on me while I was driving it.
XXXX. It turns out it was burning oil too quickly. It just needed an oil change.
XXXX. I found out later the model was 'recalled ' for a XXXX issue -- burning oil again.
XXXX. Very poor customer service.
XXXX. I did not have the knowledge of this ( CFPB ) resource until recently -- I tried talking to the XXXX at XXXX. and he was very rude to me. After signing for the car -- everyone changed their demeanor on me.
XXXX. The XXXX told me that all my issue were with Chrysler Capital.
XXXX. The 101 % borrowing ration on my credit report prevents me from getting an auto repair loan which I need desperately.
My complaint is both with XXXX. selling me this car under misrepresentation and the penalty of perjury ( basically it is a lemon )! but it was later that I found out about the 101 % leveraged against me and it hurts. But it is through Chrysler Capital on my report that is 101 % credit ratio.
I need XXXX XXXX to get to work to make money. I need my car fixed XXXX XXXX to work to make money. I am unable XXXX XXXX to work safely because I am unable to take out a loan to get the car fixed. I am unable to pay for the fixing it needs out of pocket. How can I get to work safely to get this money out of my pocket?
I thought it was obvious, I would just get a car repair loan. My own XXXX XXXX will not loan me anything because of this 101 %.
A. I am constantly about 100 days behind XXXX.
B. As of today ( XXXX ) gas costs me {$70.00} to fill up!
XXXX I am not currently employed.
XXXX I am unable to afford car insurance.
XXXX I am unable to get to work safely or legally.
XXXX I am unable to make any payments toward the vehicle.
XXXX XXXX won't be able to make payments soon.
XXXX XXXX.
And Chrysler Capital emailed me saying that they could help. So, I called and answered all these questions that took a long time -- only to find out that they could not help and then tried to get me to make a payment ; after just telling them everything I wrote here.
On the credit report there is mention on a few months about I was negatively effective by a natural disaster called " XXXX '' -- but the truth is ; I still am! I need that to be mentioned on every month that I have a late payment.
So now XXXX late payment after the next -- looks bad on my XXXX XXXX and is completely sabotaging my score.
I want them to be held accountable for selling me a car while ignoring all of the red flags I have.
I was sort of hoodwinked and unwittingly entered into this contact -- out of shock that I could qualify for it.
The problem with ignoring all of my red flags and allowing me like me to enter these contracts is that according to all the science and studies -- we all should have known this car would have caused me to go broke.
So I am accusing XXXX. of fraud -- and Chrysler Capital as well.
I am XXXX poor person -- who has a lot of red flags -- to my defense that what red flags are for. Because of my unique situation I can prove misrepresentation.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
1. SANTANDER Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with SANTANDER and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 03/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My name is XXXX, in XXXX my wife was diagnosed with XXXX XXXX XXXX.In XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX edition.I took delivery of the car on that date.The vehicle was a certified vehicle by the manufacturer not the dealer.2 weeks later i washed the car and drying the passenger door jam i noticed these rubber grommets missing.I called the sales associate and specifically asked him if the car was in a accident, i said these parts just dont fallout you have to pick them out.His reply was no the car wasnt in a accident.In XXXX i broight the car back for a wheel alignment and he ordered the missing psrts at no charge.From XXXX till XXXX the car was parked in my garage, my wife had a hard time getting in the car for XXXX visits etc.I had a XXXX XXXX in which i primarily used as a daily driver.Oct XXXX i started using the car and i went to the bank and the car would not go passed 5mph.There was a powertrain warranty on the car expires XX/XX/XXXX by XXXX.I went to XXXX on that day for a computer scan to find why the check engine is on.The associate then told me the the car had aftermarket parts and exhaust etc.He couldnt clear the check engine light.4 days later i decided to trade the XXXX XXXX for a XXXX XXXX at a different dealership.I was trying to put the deal together from my home like the car terms etc.All was good till he asked for my vin i texted him.He called me to tell me they dont want my trade at all, because the car was in a front impact accident on XX/XX/XXXX.I went to get the XXXX report from the dealer then proceeded down to the dealer where i bought the car and asked why the salesperson lied.They said come down and well dicuss it.I get there and gm XXXX XXXX pulled a XXXX report and told me its minor , minor is a dent or scratch not the whole front of car and exceeds 1000.00.He said when your calm come back on monday.He called me and asked me if i wanted a XXXX XXXX with him giving me XXXX for my trade.I get there he tells me the XXXX had a bad XXXX, keep in mind this is a XXXX franchised dealer.I declined now the car i have is diminished value with aftermarket parts.I went to the dealer who told me i have a bad XXXX and i got all the service records.The records indicate back in XXXX the owner paid the dealer to install all these parts, the dealer that informed me of bad XXXX.They told me the dealer has to honor the repair.At this point i want nothing to do with the dealer, they dont return calls etc.I made a complaint to gm manufacturer, again passing the prom to the dealer where i purchased the car.I brought the car there and i video recorded the gm and the service director with there consent.I pull the car up into the sallyport with the hood open waitingbfor it to act up, mean while i asked the gm mark where was the door hit show me, i got the car looked at by a bodyshop and i know where the damage was.The gm manager tells me the car got hit by a lady on the dealership property and that he fixed it, so lie # 2 .The car was to be driven by the service director and me in the passenger seat, half way down the road the car was acting up, headed back to the dealer and its me the director and the gm manager in the office, the director told the gm this is not gon na be a easy fix here.I needed to use the bathroom and the director said come to the service area when your done.I recorded video of him saying they will pay for a 2 day car rental and 1hr of diagnostic time and whatever the parts are i had to pay.I said im not paying for anything here and the courtesy transportation comes with the warranty so your not paying for any car rental.I left the service dept and proceeded back to my car, the car broke down on the property.From there i went inside and told the gm i cant leave because the car broke down.The car has 5 symptoms je came out started the car as the engine was rocking and turned off the car and told me that i needed to kiss the service director XXXX to fix my car.Im totally at lost here with this car, i got the lender involved here, no help by the manufacturer or dealer at this point.The lender called them and said i was abusive yes i was pissed off and they didnt like the phone recorded.Oh well!, your not trustworthy, i lost my job for a car not running right and my daughter needed to go to school.MY niegbor drove us everyday for a month at which his schedule was filled with dr appointments.I got behind on my bills as a single father with a minor.I brought the car to 2 mechanics, one of them said i needed to tune the car on a dyno machine because he felt the parts were not working together XXXX the other wanted no part of it and said call the chevrolet dealer who did the work.I did that and tried to cap the hourly rate.They would not and i dont have hundreds of dollars to waste on no guarantee.I had to surrender the car back to the lender because it was now a liability rather then a asset.I have all the videos of this car breaking down, and broke down on my daughters school line .I lost my car my wife my job my credit because of this.A car that is certified has to pass a 174 point check with no accident history, clearly on the carfax the accident is noted before i bought it and they knew about it and thats fraud.This car had promblem from day one always at the dealership, in XX/XX/XXXX the previous owner brought the car back 10 times in one month for promblems, and here i come and inherited this nightmare.The gm no longer works there and the criteria for a certified car is all recalls fix accident free and impeccable service history in which clearly it did not have.As per warranty aftermarket parts are void especially headers exhaust systems in which the previous owner installed.Front impact accident voids the warranty, there was no warranty back in XXXX and thats why i got nowhere rectify this promblem.
|
| 11/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1 .SANTANDER CONSUMER USA & {$15000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER CONSUMER USA bal. {$6200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 12/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CHRYSLERCAP Account # XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 12/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER CONSUMER USA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CHRYSLER CAPITAL & {$4400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER CONSUMER USA bal. {$20000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CHRYSLERCAP & {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 10/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
Servicemember |
|
I submitted a complain before trying to get Santander to work with me because of the loss of my job and my total XXXX and instead they sent someone to my sick mother 's house in XXXX XXXX XXXXXXXX 3 times. Banging on her door scaring her half to death, when she didn't get to the door fast enough they went to the side doors with the tenants banging on their door as well as the neighbors. Telling them they came to get a car. They also left repo papers with the neighbor saying they will be back. There was no contact number or email. I spoke to a lawyer just find out that this happened, In XX/XX/XXXX, a coalition of attorneys general opened a multistate investigation into Santander the largest subprime auto financing company in the country after receiving an increase in the number of consumer complaints related to subprime auto loans. Following the investigation, the coalition alleged that Santander through its use of sophisticated credit scoring models that could forecast the risk of borrower default knew that certain groups of consumers were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also found that Santanders aggressive pursuit of market share led the company to underestimate the risks associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior. Many dealers did nothing to ensure consumers were reporting accurate information including the amounts specified as incomes and expenses and Santander did nothing to minimize the risks of these false reports. Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions.
Under todays settlement, Santander will be required to provide relief in multiple ways to consumers, will be required to help repair consumers ' credit reports, and, moving forward, will be required to factor a consumers ability to pay a loan into its underwriting. First, Santander will pay {$65.00} XXXX to New York and the 33 other participating states so that restitution can be paid to certain subprime consumers who defaulted on loans between XX/XX/XXXX and XX/XX/XXXX. New York will specifically receive {$2.00} XXXX to reimburse consumers.
Next, Santander will be required to give consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX and who have not yet had their cars repossessed the titles to their cars and will waive any balance on these consumers loans, up to a total value of {$45.00} XXXX in such waivers across the nation.
The settlement also includes a significant amount of relief for consumers by way of waiving any debt or balance still owed even after Santander had consumers vehicles repossessed, otherwise known as deficiency balances. In total, Santander has agreed to waive such deficiency balances for certain consumers who have defaulted with approximately {$430.00} XXXX in immediate forgiveness of debt still owned by the company, including {$23.00} XXXX for New York consumers. Further, Santander will need to attempt to buy back additional deficiency waivers the company no longer owns, which could possibly increase the nationwide total to {$660.00} XXXX and {$33.00} XXXX for New York consumers.
Finally, Santander will pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states.
In an effort to repair consumers credit reports, Santander will be required to reach out to credit reporting agencies ( for example : XXXX, XXXX, and XXXX ) and request the deletion of any negative reports for Santander consumers who are receiving waivers on their loans or are receiving deficiency relief.
In addition to monetary relief and the repair of credit reports, going forward, Santander will have to take a number of specific steps to minimize the risks of consumers defaulting on their loans, including refusing to extend financing to consumers that have no income remaining after taking into consideration a list of actual monthly debt obligations. Santander will also be required to test all loans that default in the future to see if the consumer at the time the loan was initially made had any income remaining after taking into account such monthly debt obligations and other estimated expenditures. If the loan is found to have been unaffordable and the consumer defaulted within a certain amount of time, Santander will be required to forgive that loan.
Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts. Santander will additionally implement steps to monitor dealers who engage in income inflation, expense inflation, and power booking for loan applications, and the company will enact additional documentation requirements for those dealers. Further, whereas Santander previously allowed these problematic dealers to waive documentation requirements on income and expenses, the company will no longer be able to make such exceptions. If Santander must use the value of a default mortgage or rent payment to calculate monthly debt obligations, that amount must reasonably reflect the payment amounts for the geographic location. Finally, Santander will ensure policies and procedures are in place for deferments, forbearances, modifications, and other collection matters that all employees must follow.
A new website has also been created to allow consumers to learn more about the settlement and the relief available to victims of XXXX fraudulent behavior.
https : XXXX
|
| 12/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CHRYSLERCAP bal. {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$5600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.BlocXXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/05/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CHRYSLERCAP bal. {$21000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DRIVE XXXX BAL {$6800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 10/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX & XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
CHRYSLER CAP/ XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX I immediately disputed this information with CHRYSLER CAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a.
Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b.
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA.
The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ).
I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX XXXX
|
| 07/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The highest loan balance through Santander the day I signed this loan agreement was {$11000.00}. I noticed after my first payment that nothing in my payment was going towards my principle. I requested a pay-off letter just to check my balance at pay off versus my loan origination amount and my first payment. The pay off letter sent to me in XX/XX/XXXX was for {$12000.00}. This was a difference of {$590.00} increase within 6 weeks of purchase AFTER a {$400.00} payment that was not credited to the account for 2 months. I called Santander in XXXX of XXXX after seeing these figures. I was told my payment of {$400.00} would not be added until XXXX of XXXX because this " type of loan '' did not require payments for the first 90 days. I then inquired about the fees and how the loan was growing in amount owed, but no payment was required. I was told that interest would accrue daily and that I could pay the interest off up front to avoid this in the future. I left that phone call more confused than ever. Once my payment was finally credited in XXXX of XXXX I received a statement that showed late charges had been added in XXXX and XXXX of that year. AFTER I was told no payment due for the first 90 days and they were " holding '' my {$400.00} payment to be applied at the 90 day mark.
I reached out to Santander again and was told some story about how every lender is " required to show late fees '' but " they don't really go on the back end of the loan ''.
At this point I was ready to give the car back and get out of this scam I had been led into. It was too late to trade back with the dealership and Santander would not work with me at all.
I was stuck in this. I paid my payments and saved up a down payment for a new car and kept my head down.
XX/XX/XXXX. I was ready to get out of this horrible loan Santander sucked me into. I tried to trade in the car, but was told the payoff was {$11.00}, XXXX and no dealership would touch it at that negative equity.
Called Santander to inquire about this ridiculous payoff. I had paid over {$5000.00} in payments and there was no possible way the payoff had only come down {$720.00} in 20 months.
Santander told me via phone in XX/XX/XXXX that this was the payoff and that I had been making interest only payments each month. I literally lost my mind! I had made the payments required of me and not a single soul had ever told me that this was " interest only '' payments. I paid over {$5000.00} towards this car and got nothing in return! I gave up fighting and asked them to take the car back because I could not afford to own that loan any longer. I was losing money period.
Santander arranged for me to turn my car in to them and told me via phone XX/XX/XXXX they would sell it and I would be notified of the date, time, place of the sale in writing and have options related to this sale mailed to me.
XX/XX/XXXX rolls around. I receive a statement in the mail from Santander showing I owe them over {$8000.00}. I call to find out what is going on now. I am told my car was sold in XX/XX/XXXX and this statement is for the payoff. Sold? I was really confused ( again XXXX. I told them I never received the information in the mail I was supposed to and didn't know anything about a " sale ''. I was told that was my balance and it would be sold to collections if not paid in 30 days and then hung up on.
I sent a written request ( the first of many ) to Santander stating I had never been notified of the sale as legally afforded to me as a right by the FTC, that the balance was incorrect as this XXXX vehicle was worth well over {$6500.00} and sold for only {$4300.00} and that is not commercially reasonable, I requested written documentation of the sale and condition of the vehicle at time of sale as I had taken pictures inside and out, I requested the original loan documents showing where I agreed to interest only payments, I requested an account history from time of loan until present.
I have sent multiple written requests over the past year. I have disputed with the credit bureaus on this as well and received no response other than " creditor validated information they are reporting is correct ''. I now am showing I have a " charge off '' from Santander on my credit report of over {$8000.00} and never received any requested validation or verification related to this debt as requested for over a year via phone and mail.
Santander has broken many laws in relation to my claim. Did not properly disclose the terms of the loan to consumer, did not apply payments to account in timely manner, charged late fees without proper disclosure to consumer, did not notify consumer of payment options and how payments were applied to loan, did not notify consumer of sale of vehicle per state and federal law, has not provided consumer with requested documentation for validation/verification of all information being reported after repeated attempts to obtain.
XXXX, XXXX and XXXX have not investigated this claim properly after repeated attempts to show them payments made, all claims above, and evidence submitted. Even requested method of verification and full disclosure of how this was verified with them and have not received valid response.
This continues to ruin my chances of getting any type of financing and Santander has broken law after law in relation to the way they conduct business and especially service auto loans. Consumer disclosure and document requests are ignored and consumer rights under FCRA, FDCPA, and all other aspects of business legalities are done in shady manner.
|
| 09/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2018, I visited XXXX XXXX of XXXX, North Carolina to purchase a truck for work. I applied as a XXXX XXXX XXXX. I provided all required financial documentation relative to my business and income. That evening, I was told the loan was approved and was given the keys to the vehicle and signed all necessary lease paperwork. The next day, I received harassing telephone calls from the Finance Manager ( stating " You better call me immediately ''. I let him know that I was working out of town and that I would return his phone call when I was able. He continued to call and harass me. When I called back, I asked for the General Manager, XXXX XXXX. I let him know that I found the behavior of his finance manager harassing in nature and that I wanted to only deal with him. He obliged and stated that they needed me to " re-sign '' the same paperwork, citing that the original paperwork had the incorrect mileage per year ( XXXX instead of XXXX ). I told him that they could have overnighted me the paperwork instead of demanding that I return in person to sign ( my work was in XXXX, GA ). I signed the paperwork again, and asked if there was any other information, they needed from me. He stated that there was no additional information needed and that I could see the XXXX department for the promised accessories for the truck. The Service department installed the accessories and I drove away. A week or so later, I get additional calls from XXXX XXXX stating that they needed my signature card for my business account. I told him that I would have my bank send the financial documentation directly to the lender ( XXXX XXXX ), but my bank did not use or issue signature cards. He said that this was fine and provided me with the loan ID to reference, what was Loan ID # XXXX. XXXX XXXX was happy to provide Chrysler with documentation that they did not use signature cards. This was completed via email to XXXX, by a 3-way call with me, XXXX XXXX and XXXX XXXX. When on the call with XXXX XXXX and XXXX XXXX with XXXX XXXX, I told them that I felt discriminated against given the different requests for documentation, after I was told the deal was completed, funded, and allowed to insure the vehicle. I also let Mr. XXXX and Mr. XXXX know that I felt like the team at XXXX XXXX was not providing them with all the financial documentation that I provided directly to the General Manager, XXXX XXXX. They confirmed that he never provided my financial documents from all sources. XXXX XXXX made sure that they knew that no signature card was given to account holders and provided documentation of deposits. Mr. XXXX also let me know that I did not have to deal with anyone at that dealership any longer and that my loan with them, not XXXX XXXX of XXXX. As a minority small business owner, I felt completely discriminated against and harassed by XXXX XXXX and his finance team. Mr. XXXX encouraged me to file a formal complaint with the CEO 's office of XXXX XXXX. He walked me through the process, and this was submitted with their company. I never heard anything back from this complaint. Regarding the mechanics of the vehicle, my daughter and I noticed that the display would get extremely hot to the touch when driving, as well as a loud " frog-like '' sound coming through the dashboard/air vents. We reported this to XXXX in the Service department at XXXX XXXX. I also reported that the cruise control would rev up/down without me pushing any buttons. We showed him a video recording of the issues we'd experienced, and he called a service mechanic over to watch the video as well. They both mentioned that the vehicle had an open recall that needed to be addressed. They assured me that the car was safe to drive and scheduled an appointment for me for after XXXX XXXX, XX/XX/18. Unfortunately, the vehicle broke down on us in XXXX XXXX, LA and had to be towed to XXXX XXXX XXXX. To my surprise, when the vehicle was in repair, XXXX XXXX issued a " repossession '' and sent a company to retrieve the vehicle. He also filed a fraudulent police report stating that I stole the car. I was arrested and charged with a felony. Over a year later, the District Attorney dropped the charges. My life and small business have been completely ruined due to the criminal acts of XXXX XXXX of XXXX, XXXX XXXX and Chrysler Capital. I have tried to remedy this situation with them, but to no avail. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. Given this, I am seeking compensatory compensation for myself and my business, as well as punitive damages for pain/suffering/defamation of character regarding the fraudulent criminal charges filed by XXXX XXXX, General Manager of XXXX XXXX of XXXX, and harassing emails from his staff and staff from XXXX XXXX at XXXX XXXX. XXXX XXXX continued to harass me via emails after the car broke down and was towed to XXXX XXXX XXXX in XXXX XXXX, LA
|
| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX, President & CEO Santander Consumer USA Holdings Inc .
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, Good day. The purpose of this letter, although unpleasant, is to fully advise you of the experience Ive had with Santander Consumer USA. In XX/XX/XXXX I purchased a vehicle in XXXX XXXX, although pre-approved by my bank, the dealer recommended using your company. Payments were made as scheduled, however, in XX/XX/XXXX I ran into problems due to a mortgage from XX/XX/XXXX with outrageous interest ( 9 % - 10 years interest only ) that the bank would not modify. After paying several attorneys to attempt resolution with XXXX XXXX, it was suggested I file Chapter XXXX bankruptcy ( my home is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I paid another attorney {$10000.00} to navigate bankruptcy to retain my home and vehicle. Once in bankruptcy, XXXX XXXX ( former attorney ) advised my new payment amount to Santander Consumer USA, as well as advising payment amounts to other creditors. Throughout the 14-month ordeal I made all payments to Santander as directed, and this has been confirmed by Santander representatives.
In XX/XX/XXXX my bankruptcy case was dismissed due to attorney malpractice. The Assistant U.S. Trustee has since filed sanctions against my former attorney for what amounts to legal malpractice. My attorney has put XXXX XXXX and his insurance company on notice of civil action also. All this has been conveyed to Santander representatives, as well a copy of the U. S Trustees motion has been sent.
A month after my bankruptcy was dismissed, I received a call from your representatives stating my loan was 250+ days past due and I had to pay over {$5000.00} to reinstate the loan or the vehicle would be repossessed. At this point I have put over {$15000.00} into a lawyer to try to keep my home of 15 years. I was shocked to learn that Santander didnt honor the agreement made with my attorney in XX/XX/XXXX. I asked for some time to work through this nightmare, I am single and XXXX years old, I run a XXXX XXXX for XXXX XXXX ; I dont have thousands of dollars laying around.
In XX/XX/XXXX I agreed to a settlement with Santander in the amount of {$14000.00}. I was to pay {$2000.00} which I did and the rest in 10 days or XX/XX/XXXX. On XX/XX/XXXX I was sideswiped pushing the vehicle into a ditch by a hit and run driver. I phoned Santander to provide the police report number and my insurance claim info. Since this was hit and run, and I was physically hurt, trying to get the vehicle fixed ( out of pocket ) and waiting reimbursement from XXXX has been a challenge. On XX/XX/XXXX a representative phoned for a status update, I advised I was still waiting and the vehicle still needs more work, however, I would pay {$1000.00} that day ( and I did ) and try to pay {$1500.00} the following week. He put me on hold and came back to say his manager said they ( Santander ) would work with me because I honestly could not pay {$1000.00} into a vehicle Santander planned to repossess. On XX/XX/XXXX I received notice of foreclosure sale on my home, forcing me to send every remaining penny to the lawyer to try to fight foreclosure and keep my home of 15 years. At this point the vehicle is sitting in the driveway, wont start and I still have not been reimbursed by XXXX. Finally, Monday XX/XX/XXXX I can pay to have repairs made so the vehicle would run, while still trying to fight foreclosure. Yesterday, XX/XX/XXXX, I walked out to get groceries and my prescription from the vehicle ( grocery shopped the night before and due to rain left dry goods in the vehicle ) and it was gone! I truly thought the vehicle was stolen.
Phoned Santander and call routed to the department handling repossessions. Despite being told Santander would work with me, despite Santanders knowledge the vehicle was in an accident, and I was physically hurt, and that I was doing what I could the vehicle, a XXXX XXXX XXXX would cost {$670000.00} to get back. Bottom line, XXXX, from what was the Presidents office, basically said sorry for your troubles lady pay it or lose it. I told him I had {$3000.00} but dont know when I could get the rest. Again, if I want the vehicle pay {$6700.00}. I pointed out the truck still had work needed from the accident and at auction it might sell for {$5000.00}. XXXX advised Santander was prepared to take the loss rather than let me try to get it back. Since XXXX I have paid {$3000.00} and I proposed I could pay {$3000.00} to get the truck back. Nope, XXXX clearly stated Santander was prepared to take the loss rather than work with me KNOWING FULL WELL all that has happened. And by the way, unless I can produce the paperwork my bankruptcy attorney sent to Santander stating the new payment amount acceptable, nothing can be done. Yet, every payment I made in bankruptcy was accepted without a word from Santander until the case was dismissed. My former attorney had advised Santander agreed to the payment and reduced amount in or out of bankruptcy.
Today I must try to find someone to take me to the yet named location to get my personal items from the truck. That was my only means of transportation, yet your company is willing to take a loss rather than help a customer that has been through XXXX and back, and you have the documentation to prove it. I now understand the why thousands of people have taken time to send in complaints on your company. I have sent mine as well, to the OCC and AG. I am still in shock and outraged at the total lack of compassion, yet overwhelming greed displayed by Santander.
XXXX XXXX XXXX
|
| 09/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In my early XXXX 's I went to XXXX XXXX dealership at XXXX XXXX XXXX with {$5000.00} iton hand to buy a XXXX XXXX XXXX I had seen, orange manual transmission, great condition, and only {$8000.00}.
I figured with a {$5000.00} down payment there would be no issue with my lack of credit history getting the remaining {$3000.00} financed. I was wrong.
I was denied credit by XXXX XXXX and others, but somehow Santander NA, through it's subsidiary Chrysler Capital, was willing to give me a loan ... but only if I got a car FOUR TIMES as expensive. I was not given a chance to read the contract terms and made to believe that the gap insurance coverage was unimportant.
I didn't know what gap insurance was.
So when a few years later, I was in a not-at-fault accident that totalled the vehicle and XXXX refused to pay my claim due to a billing lapse of just one day, I was ruined.
The repair shop agreed to take out a mechanic 's lien on the car so the lender would have to retrieve it since I was now destitute and apparently still like {$24000.00} in debt.
They never did. So they legally no longer even owned the car after then, some point in XXXX or XXXX - the body shop did. But they still refused to forgive the loan or remove it from my credit. " I should have gotten the gap insurance coverage '' I was told.
Years later, just last year I think, the then-attorney general, now US senator of my state XXXX XXXX agreed to a settlement with Santander for issuing ILLEGAL subprime loans like mine in the state of California and with other AGs in many other states.
The financier did not make public their actual credit scoring metrics with which certain subprime loans were detirmined to be illegal, so neither the settlement administrator nor the Attorney General 's office were able to say if my loan was eligible for discharge and other relief, such as removal of adverse credit information from my files.
I contacted Santander 's office of the ombudsman but was refused any support in English from that office, upon request. This was after countless failed attempts to resolve this with their subsidiary 's subsidiary Chrysler Capital by mail and phone.
The data was actually supposed to be gone from my credit already before the attorney General settlement, but it had not been done and still hasn't. This ruined my life and cost me the opportunity of finishing college, and forget about attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I had once dreamed - my late uncle spoke there as a guest XXXX occasionally so that was the closest I got.
I now live on the streets in XXXX XXXX where the homeless agency is prohibited by ordinance from actually directly giving anybody housing, so there is basically no hope for me unless I move, which I can't afford to do because of my ruined credit.
The effects of this loan default, illegal as it was, compounded across my other financial accounts and created a domino effect wherein the inability to access capital and lending resources created by Santander 's illegal adverse credit data furnishing made it gradually more and more impossible to meet my numerous other financial obligations.
I directly attribute this loan as a primary trigger for the downward spiral my life took from the point of that accident forward, ultimately leading me to lose my mind and become hospitalized with suicidal psychosis in XXXX, after which which I was so depressed I could no longer work ( I have not yet been able to secure XXXX and SSI due to my homelessness and the total failure in local authorities to conduct effective case management outreach ) as well as leading to two separate suicide attempts and hospitalizations. The things I saw while homeless, and the constant danger on the streets of XXXX XXXX gave me XXXX and worsened my XXXX further - being invisible can do that too.
I can point to about three then-not world-shaking events that I can directly attribute ny decline from an early high school graduate with a XXXX GPA, a girlfriend I wanted to marry, a full time job at a financial institution with stock options ( if I had been there just a bit longer ) one since absorbed by XXXX nonetheless, and a stable group of friends to lean on for support - to where I am now, a dingy hotel room in XXXX without working plumbing and a backed up toilet that I only get to enjoy for another 20 minutes before I am ushered back out onto the streets where there is nowhere to bathe and nowhere civilized to use the toilet, and crackheads run rampant stealing copper like it was still the awful XXXX XXXX era.
I am XXXX, was born into an upper middle class family, and have an IQ of XXXX - not that the last bit means much of anything but that people did not expect me to end up here, and now that I am, everyone assumes that I got into drugs or something - that this is my fault, I should be able to pull myself up with my youthful energy. They don't know that youth is long dead, killed by the horrors of having open eyes and empathy on the streets of LA.
So here I am, penniless and slowly XXXX on the streets of XXXX XXXX ; Where nobody cares and nobody offering help actually has anything to offer. I can't leave and I can't stay.
All so some billionaire XXXX could have a few more sub-prime auto loans on his portfolio.
And my country my city my county my state - all did nothing to protect me from it, never occuring to anyone that I may have had something terrific to give back to America if I had not been so abused and ignored by it the very moment I finally knew I needed help to present.
{>= $1,000,000}
|
| 01/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
On XX/XX/XXXX at approximately XXXX my car was towed for non payment of my vehicle, I fell 3 payments behind. When I called on XX/XX/XXXX to XXXX XXXX the rep let me know they repossessed my car and that I had till XX/XX/XXXX or XX/XX/XXXX the dates were not specific that I needed to pay {$1600.00} to get the car back and they would work the fees of impound for future payments or that the car was going to be auctioned off XX/XX/XXXX if I didn't pay on XX/XX/XXXX. I called again to see if they would accept {$1000.00} and work with me they said I needed the full amount to get the car back. On Friday XX/XX/XXXX I called again hoping to see if l could post date with my bank account information the rep told me that I needed to call back with my debit card information when the money was available. I called on XX/XX/XXXX a XXXX and the office was closed so I didn't pay because I wanted to be sure I was going to get my car back. On Monday XX/XX/XXXX the representative told me the amount was different wanting close to {$2200.00}, she said my XXXX payment was added to the previous quote, no one the previous week mentioned this to me, this woman was requiring me to secure my payment for the new quote no one mentioned that to me the week before when I was calling and doing my best to show my intention to wanting to keep my car and continue making my payments and that I have till the XXXX to pay, this rep also told me that I could have gave my debit card information as a post date to lock in the original quote amount for XX/XX/XXXX but the representative on XXXX didn't mention that as post date option she said to call back when the funds were available only and they could not secure with bank account. I requested a manager to see if they can work with me I was told by this rep that managers are busy on XXXX and an email was sent for one to call me back. I had not received a call several hours later that I called again requested a manager again and this second representative informed me that managers were busy and that a letter was sent on XX/XX/XXXX and that in the letter it should say I have till XX/XX/XXXX to recover my car after paying the quoted amount of {$1600.00}. I was feeling like for the first week my car was in repossession that I was going to just have to accept a repossession on my credit and just use the money I had on hand and buy a used car and worry about this debt later I had to take out a car rental for a week from XX/XX/XXXX to XX/XX/XXXX so that I can get to work, I paid {$180.00}. I had one more day to make an extension to rent the car I was looking for all my options and this situation I was trying to avoid having a repo on my credit seemed like a forced option so I called again at around XXXX or XXXX the reps now kept telling me to call back because they could not access my account due it showing my bankruptcy status and they needed a representative in that department to take the call they could not transfer my call I did just that. This was the 3rd time in one day that something new was told to me about my account I requested a manager again and advised them that I opted to keep the car out of my bankruptcy and I was going to call my attorney that filed it last year XXXX and find out what I needed to do only then was i was able to get a manager XXXX on the phone he mentioned that they had a manager call me but i let him know my phone was on all day at work i had permission from my job to have my phone on me and that never came in so I'm calling again. He managed to accept my payment for {$1600.00} over the phone added the {$10.00} fee to process the payment with the rep he did offer to transfer the call to automated service it is a {$3.00} I felt that this whole day was too much already trying to get this far and speak to a manager he said to have me call back. I wanted confirmation that the payment cleared and I was getting my car back so I let him process the payment {$1600.00}. My complaint is I was misinformed with the amount of time I actually had to pay, no one mentioned that the amount would be more if the new statement is due for me it's on the XXXX of the month, also that I can post date to secure with debit card and they show in their system I had filed bankruptcy in XXXX so they were aware I was going through a hardship. I cant help but think how many other people have gone through this situation and just accept a repossession on their credit because their representatives make it impossible for them to speak to a manager or tagging on fees not previously mentioned and just getting the run around. I almost gave up and opted to take that repo on my credit because I was given wrong deadline dates and amount increased and then mentioning my bankruptcy status showing on my account only certain departments can access it. I felt misled and or misinformed. I am glad to have car back and making my payments back to normal. I think this company should do a better job at giving all the details upfront of what we as consumers need to know and not feel like repossession after the car has been picked up is the only option they have. Let people know everything they need to know about the account and how much time they really have, the full amount due including upcoming payments will be added if not paid within a certain time frame all the fees that apply etc. I finally got a call back from a manager asking me if I still needed to speak to a manager after I resolved the issue with XXXX she said he reports to her and I let her know he took care of the situation.
|
| 05/05/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I started my lease in XX/XX/XXXX and immediately established the auto-pay option with paperless statements. As my payment history shows, I made each monthly payment with no issues from XX/XX/XXXX until XX/XX/XXXX as I was set-up on the auto-pay and paperless plan. However, due to a county tax increase, the payment figure originally established by my lender at the beginning of my lease was no longer fulfilling the minimum payment amount of due, resulting in a ( {$5.00} ) shortage, which then accrued over several months before resulting in a negative balance in XXXX of XXXX, and carrying over to XXXX of XXXX. Once I was aware that there was a late payment status on my account from reviewing my personal credit report, I immediately paid my accumulated monthly fees, and my auto-payment has since been adjusted. As my payment history shows, a payment has been withdrawn every month on or before the due date since my account was opened, but the adjustment issue has affected my payment status and has been reported to the credit bureaus as two separate 30-day late payments ( XX/XX/XXXX & XX/XX/XXXX ).
After several conversations with the dispute department and the executive office I was able to find out that I did not receive a written notification of this necessary adjustment, nor did I receive an email message to explain the necessary steps to correct this adjustment, therefore I had no formal written knowledge that the recurring payments set-up on my auto-pay continued to result in a due balance of ( {$5.00} ) each month until my account showed a late payment status. Also, according to my account transaction history, there is no information illustrating a negative balance, an amount past due, there are no alerts, no messages, and no late payment status is shown on my account prior to XX/XX/XXXX. I was also told that the shortage began in XX/XX/XXXX, however no attempt was made to contact me about this issue until XX/XX/XXXX and the company stated a voicemail message was left.
While I understand that a phone call was made in XX/XX/XXXX in an attempt to get a hold of me, I don't understand why it took 11 months for the accounting department or whoever to initiate contact. And furthermore, most official business requires some form of written notice, or certified letter, or notarized document and yet the company did not send me any type of written or emailed notice to inform me that there was a problem with my account. Once I noticed the problem I immediately contacted the company to make the necessary adjustment & paid my accumulated fees, however my account status is still reported as having two late payments. I have since requested the dispute department to look into this on XX/XX/XXXX an requested that a goodwill adjustment be made on my account and was told the company does not do goodwill adjustments to credit reporting whatsoever, which alone is a little unreasonable considering the company is in the business of using credit to approve automobile leases. Then I sent a letter to the dispute department on XX/XX/XXXX formally requesting an adjustment be made to my account if there was no written attempt to contact me, and a copy of this letter was emailed to the executive office and forwarded to the dispute department, an no reply had been sent nor an acknowledgement of receiving the email. If an automatic payment collected in the company 's system is slightly less than the amount due in the system, but it is still collected on or before the due date, shouldn't there be some other reporting status other than a late payment status, perhaps a negative balance status, illustrating that a payment was still made on-time, however the payment still resulted in a negative balance. This way lenders would not see this as an inability to make a payment and rather an accounting adjustment was needed, which in my situation, was the exact case due to the county tax increase.
My ability to get funded in the future should not be affected by a county tax increase and and auto-pay system that has no alerts, or sends no automatic communication when there is an issue at hand. If an alert was illustrated somewhere in my account, or written notification was sent to me within maybe a 90-day period of when the shortage began then I could have avoided this situation all together. And, I would think that a county tax increase affecting my payment status would be grounds for written notification to be sent to me via email and direct mail to have a copy for your records that you made several attempts to contact me, and giving me the necessary time to make the adjustment before my credit is affected for years.
I am in my XXXX 's and have never had one late payment on my credit report, and I am trying to refinance my home before this covid-19 mess alters lending requirements, and the only thing that is stopping me from getting approved is this very recent " Late-Payment '' status on my credit report. I have also been told by other consumers that this has been a problem over the last year and other companies such as " XXXX '' are waiving these fees in my county, and not reporting this to the credit bureaus at all as it must be categorized as an accounting issue and not a late-payment issue. If this late-payment status remains on my credit report I will likely not get approved for my home refinance and will have trouble getting any sort of credit approval for years, and in my opinion this all could have been avoided with written notification long before my account showed a late-payment
|
| 08/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/XXXX I was sent by email from the consumer financial protection Bureau that my complaint had a response I checked the complaint and located another forgery/ forged signature of mines on loan documents. I have attached such documents page 6. I confirmed over the phone and by email an employee XXXX XXXX from XXXX sent over an email to me with all the loan documents and page two was not signed until I notified such parties ( XXXX and Chrysler Capital ) of the incomplete loan documents. When I notified Chrysler Capital the company confirmed over the phone and ( I video taped myself calling Chrysler and in fact they did not have my signature on page 2 of the retail installment contract ) the company confirmed that I did not have a signature on page two of the loan documents. However today I notice that page two was signed but its not my signature ( XX/XX/XXXX ) Chrysler Capital/ XXXX XXXX unlawfully forged my name on page two. Please see attached documents Page Two is a forgery and is not my signature. Chrysler Capital response to my complaint attached with page two of the loan document forged. Also the controller signed the document just recently at the end page 5 although the emailed documents sent to me over the internet and the documents in which I picked up did not have a signature of a purported controller signed at the bottom. The emailed documents were sent over to me by Aristocrat incomplete on XXXX XXXX XXXX. See attached email in which XXXX sent. Now the documents were completed and signed/ forged and sent by email to the consumer Financial protection Bureau. The loan company has defrauded me and has worked with the dealership to forge my name on loan documents obligating me to a loan with a 25 % interest rate. Also there is fraud on the title and Chrysler Capital did not do any checks and balance to see if the title was properly transferred from the owner to the dealership.
Also someone at XXXX XXXX - employee has signed a affidavit of correction for the motor vehicle department in XXXX XXXX under the penalty of perjury who purports to be a XXXX XXXX XXXX who represents XXXX XXXX regarding the sale of the vehicle for the title. The document attached ( Page 2 ) states quote and is handwritten by a purported XXXX XXXX XXXX which states - I, XXXX XXXX XXXX do solemnly swear that I signed in addition to signing my business name on back of title in error. The purported person by the Name XXXX XXXX XXXX then signs his name and prints such a name XXXX XXXX XXXX. I am unable to locate a XXXX XXXX XXXX who has any form of association with XXXX XXXX who could have signed over the title to XXXX. A XXXX XXXX XXXX has never worked or has been an authorized agent of XXXX XXXX that would or could have sold a XXXX XXXX on behalf of XXXX XXXX with the VIN XXXX XXXX can not produce such person by this legal name with valid identification whom is associated with XXXX XXXX with the exact name of XXXX XXXX XXXX. Attachment Page 3 document is a Kansas Secure Power Of Attorney form which purports to be the transferors name of XXXX XXXX XXXX for the VIN XXXX. This document has a purported signature of a XXXX XXXX XXXX on behalf of XXXX XXXX as authorized agent the form doesn't give XXXX XXXX XXXX Drivers License Number at the top of the page nor the state in which it was issued ; nor does this document give XXXX XXXX XXXX XXXX address. This purported XXXX XXXX XXXX purports to have signed a power of attorney authorizing XXXX XXXX ( XXXX XXXX ) as XXXX on XX/XX/XXXX ( Page 3 ). However the signature of XXXX XXXX XXXX on attachment page 2 and XXXX XXXX XXXX signature on attachment page 3 is drastically different and such a person by the name of XXXX XXXX XXXX doesn't exist nor such a person by the name of XXXX XXXX XXXX have any connections with XXXX XXXX. The name XXXX XXXX XXXX is very specific and such a name is printable on the documents ( Attachment page 3 ) which purports to transfer title of the VIN XXXX to XXXX XXXX on XXXX although such is of a forgery/ fraudulent. The loan company or the dealership can not provide me with evidence that a XXXX XXXX XXXX exist in which his full name would match the documents of title transfer. It is my understanding that a XXXX XXXX XXXX doesn't exist and that there is no authorized agent by the name of XXXX XXXX XXXX with XXXX XXXX and if in fact it isn't a XXXX XXXX XXXX whom was the authorized agent the purchase of the vehicle is not valid purchase which also means the vehicle was not legally sold to XXXX XXXX on XXXX which means XXXX did not have ownership not a valid title or legal ownership to have sold the vehicle on XXXX If XXXX XXXX XXXX ( Authorized Agent of XXXX XXXX ) doesn't exist the vehicle was never legally sold to XXXX XXXX on XXXX. XXXX XXXX XXXX would not mis spell his own name on several documents nor make a hand written statement using a purported name of XXXX XXXX XXXX ( Page 2 ).
Also the Assignment of Title Page 1 and Page 6 is incomplete the buyer missed the step of checking the box for the question Is vehicle subject to a lien yes or no one of the boxes must be checked ; the Seller did not write in the purchase price of the vehicle under the penalty of perjury.
The Title Documents are incomplete which is dated XXXX I myself have contacted XXXX XXXX and a XXXX XXXX XXXX doesn't exist. I also had an investigator go to the address on the title and the investigator confirmed that no XXXX XXXX XXXX exist which is more forgery and fraud.
I await your reply.
|
| 12/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I am a consumer asserting my rights.
SANTANDER CONSUMER USA has mailed me monthly billing statements for account ending in XXXX demanding payments on a loan that has already been paid in full. The security interest secures payment of an obligation pursuant to 49 U.S. Code 14301a ( 3 ) which has already been paid through my signature on the contract threatening repossession. The most recent billing statement dated XX/XX/21 claims that I allegedy owe {$1400.00}. Exhibit 1 This is a billing error ( exhibit 1 ) pursuant to 12 C.F.R. 1026.13 ( d ) ( 1 ) I am aware that if SANTANDER CONSUMER USA claims that they are the creditor then this applies to them and they may not collect any disputed amount, I the consumer, does not need to pay, the creditor can not restrict, accelerate payment and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA for the actual damage caused to me as a consumer as well as held to criminal liability pursuant to 15 U.S.Code 1693nfor failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error.
This contract is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and a unconditional promise to pay, no different than a dollar. I believe this instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. Therefore this loan is fully paid already and any payments I have made need to be refunded and returned immediately pursuant to 15 U.S. Code 1692h.
I as a consumer, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts.
The term credit means the right granted by I, the original creditor, to a debtor SANTANDER CONSUMER USA to defer payment of the debt or to SANTANDER CONSUMER USA to incur debt or a loan from the US Treasury and defer its payment. This makes SANTANDER CONSUMER USA a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to I, at the time of the transaction. I, came to extend credit and not receive a loan from the U.S. Treasury. The contract I received, as a result, was an unsolicited advertisement described in 48 U.S.C 227 ( a ) ( 5 ) by SANTANDER CONSUMER USA and lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by SANTANDER CONSUMER USA.
There has been fraud found in this form shown in EXHIBIT C, This form therefore is false and deceptive, and therefore void and a violation of 15 U.S. Code 1692j.
SANTANDER CONSUMER USA is a debt collector here is the legal definition. Pursuant 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit 1 There may be no threat of repossession for nonpayment. The affiant has proof in EXHIBIT 6 is a violation of 15 U.S. Code 1692e ( 4 ) and is fraud and illegal amidst the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S. Constitution. I the affiant is also aware that the security interest secures payment of an obligation pursuant to 49 U.S. Code 14301a ( 3 ) which has already been paid through my signature on the contract. See Exhibit 2 My rights as the debtor in this consumer credit contract against SANTANDER CONSUMER USA for the unfair and deceptive practices as shown in exhibit 1-3.
No seller or creditor is exempt from 16 CFR 433.1-16 CFR 433.3 meaning creditors or debt collectors would not be able to state claims are not applicable to them as a defense.
Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. Pursuant to 15 USC 1605 ( a ) ( b ). On this contract it states otherwise see exhibit XXXX.
I have the right to rescission with the right to keep the property, return of any money involved in the transaction pursuant to 15 U.S. Code 1635 ( b ), upon the right of rescission, I am no longer liable for any finance change. The creditor must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property.
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XX/XX/XXXX I visited The XXXX XXXX XXXX XXXX, IL In regards to a XXXX XXXX XXXX. After several emails from the dealer regarding the XXXX XXXX XXXX. When I arrived I was greeted by a salesman by the name of XXXX XXXX, he said the vehicle in question, XXXX XXXX XXXX was sold LIES. came back with a XXXX XXXX XXXX. I explained my budget again. I need to be at {$300.00} or {$400.00} at the most. A manager came to assist XXXX XXXX in manipulating me, by the name of XXXX XXXX and told me this car was just traded in by an elderly lady, no accident and very low miles for the year of vehicle LIES. I asked how much. XXXX XXXX stated {$20000.00} I said NO WAY TOO MUCH! for a XXXX. XXXX XXXXXXXX XXXX came back and said {$15.00} out the door LIES. Meaning everything included. I then considered. I thought i was signing a contract for {$15000.00} out the door. I also had to take a warranty for the vehicle, because the finance lady XXXX said we do not offer warranty. I can add a warranty at an additional price with gap. {$4000.00} warranty! On top of all the charges, I was charged for a XXXX XXXX I never requested at an additional charge. What a fraud. nor was i explained in detail, Just sign here. I asked for warranty, he said we will take care of you in finance LIES. Now about XXXX XXXX. we were still doing paperwork, while dealer was closed. I leave the dealer with no car, no contract.I was told I will receive it when i come back to pickup my vehicle. I guess I did not sign a document, so I was overnighted by XXXX. On that contract it did not reveal price. So again I explained i need gap insurance, Because I wrote on the contract. The finance dept, XXXX said the contract is not valid and need to sign excluding the gap and all writing I had added. I have yet to see the current contract. On XX/XX/XXXX or XX/XX/XXXX I pick the vehicle before closing, no contract. I leave the dealer drive to the highway XXXX. Once I drove onto the ramp, I realized the vehicle has mechanical problems, Bad performance. I also hear something rattling under the car on the driver side, Now I am in fear of my life. I immediately called my salesman XXXX XXXX XXXX. I leave a detailed message regarding my experience with this vehicle. I also leave a message for the manager of sales, XXXX XXXX. Next day I received a call from salesman XXXX XXXX to bring the car in. I then receive a call three days laters stating my vehicle was ready for pickup and all that was needed has been complete LIES. When I arrive to pickup my vehicle, I asked what was wrong with the car. Salesman XXXX said we repaired the control arms LIES. I asked can I please see the paperwork showing the diagnostic performance and safety check. Salesman XXXX XXXX said we do not have it, our mechanic does he's is not available LIES. All vehicle purchase by a dealership from an auction has to be checked for performance and safety before selling to the consumer, by law. They have nothing. I purchased my own XXXX XXXX and do not see any performance and safety check done by XXXX dealership. I explained to salesman XXXX XXXX, Sir you can not expect me to take this vehicle in such condition with no evidence repair have been complete and problem has been corrected. Therefore putting my families lives in danger. Salesman XXXX XXXX leave to get assistance on convincing me to leave with the vehicle with no document to prove the cars had repairs done or car fax. XXXX XXXX XXXX XXXX of sales as well. Approaches me and said come on we are going to take a ride. I said for what? He said he test drove the car and nothing wrong with it. I explained to XXXX XXXX XXXX are you trying to insult my intelligence, because I am a lady? their is no way to determent the diagnostic with just a test drive. I test drove the vehicle on XX/XX/XXXX was not able to tell their was a mechanical problem until I drove it on the highway. I then said please call me when the vehicle has been service. XXXX XXXX then got irate, began to argue with me in a very loud tone and said you need to take this car, you aren't listening to me. As if I were a child. so EMBARRASING! He said because the loaner you are in has been sold. I explained I am an hour away from my home. I have been asking for the XXXX XXXX and diagnostic from the dealership, so I can leave. He had me wait another hour to then say, ok take the loaner. I have contacted the dealer in regards to a resolution with no success or a return call from the XXXX or salesman. I contacted the finance company Santander. I explained my situation. They stated there is nothing they can help me with as far as mechanical problem. I then asked for the loan value, If i can be connected to the underwriters dept. Santander said we do not have an underwriting dept, I then asked for the compliance dept they do not have one. I then asked who approved this loan and paid the dealer? Since they had no clue what an underwriter or compliance dept was, I was hung up twice. I believe the dealership and Santander are committing fraud against me. They confirmed my car loan amount is {$27000.00} way above {$15000.00}, Please help me as I do not have the car, contract or gap and I have a XXXX XXXX I never requested as well as other added fees. Please help me to resolve this matter. Thank you!
|
| 08/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Continuation of XXXX with new information. Chrysler Capital 's negligence and unwillingness to help such a simple issue is astounding. Basically, they can't answer any questions I have about numerous inconsistencies surrounding their auto-pay registration and the subsequent online billing/notifications/etc. - however know unequivocally they aren't at fault. Speaking with their reps is at best condescending and at worst flat out impossible as they loop back to the same tired narrative of " you should know ... '' Auto-pay was setup on my side, they claim I should have known I didn't receive an email stating it was setup. However they also claim they won't send an email if it didn't go through (XXXX ). The account had a double payment setting up the auto-pay on XXXX however they claim this in no way shows my attempt to setup auto-pay and stated perhaps there was a bank issue. Knowing that is not the case I phoned my bank who confirmed and also stated they field questions about Chrysler Cap. often - which matches my experience from other parties as well. Chrysler Capital uses XXXX XXXX for payment processing which has countless documented issues, yet CCap will inform you they are absolutely not at fault.
CCap can't answer any technology question surrounding all of the supporting evidence to my claim regarding they are at fault for not completing the auto-pay and instead simply state back it is my fault. You can't setup auto-pay via a rep on the phone, you can't get into the auto-pay online in any capacity except a single button to enter and it would be almost impossible for a consumer to XXXX this up. CCap also didn't ever ping the bank account and didn't send me any electronic information in any capacity until this Tuesday including a payment conf. from end of XXXX. When asked about these inconsistencies they won't answer, but instead claim you can go online to see billing statements. Again, not the issue - they will not address how all of this supporting evidence shows the auto-pay and correct the XXXX late payment they reported, but instead continue to say " you know you had to pay ... '' It is infuriating to speak with anyone in this company - they also claim they don't do " courtesy '' adjustments to the credit bureaus. This is not a courtesy request, this is absolutely obvious the auto-pay was selected via their website and they are at minimum partially if not wholly at fault for a variety of complimentary reasons. Instead, they continue to condescendingly claim I should have known I had to make payments ... ( XXXX XXXX XXXX ) not the issue! When asked for further supervisors they blind transferred me into a VM. Awesome. When asked to have this investigated ( rep couldn't answer technology questions ) by tech she vaguely said they could look into it. When asked about response time, how that inquiry would be handled, etc. - just same tired brush-off line " I will ask them to look into it ... '' We ALL know what that means.
Chrysler Capital 's own reps state and know the system they have is far from customer friendly. Their system limits customer input and locks customers out for a variety of reasons as well ( can provide facts around this ) and otherwise forces them into a pay for convenience feature if you don't interact perfectly with the limited website functionality. Calling their reps is a disaster and therefore the fees generated by forcing customers into the pay portion of the funnel also demands CFPB investigation. It is obvious to me there are a lot of things wrong with this company.
CCap must retract in writing and correct any/all credit late reporting on this account. That much is the least they can do. Further, it should be investigated how the late fees and penalties are assessed on a enterprise level. After discussing this with many parties it seems where there is smoke there is fire.
I offered CCap the opportunity to make this correction multiple times, but instead they want to argue semantics or take the disputed claims off track entirely by answering issues I don't even have nor have asked about. Evasive at best, flat out perpetuating a fraud at worst. It is clear the CSR 's have no ability to make any meaningful resolution and instead say " someone will call you back in 48-72hrs '' for virtually any question. This is beyond unacceptable and those calls don't always come ( prev. personal experience on this very account ).
So, again, CCap needs to correct the credit reporting issue they caused by their online auto-pay registration system issues ( even as they say they see no issues ) all supporting evidence clearly shows the intent and opportunity was there and I absolutely interacted with the system. No emails or notifications in my online portal to say otherwise, no billing statements sent to me other than this week ( which they deny, conveniently ) to state otherwise, and no answer of any kind to the rampant inconsistencies they show in the portal, online system tracking, and my own emails received from them. Simply " not our issue. '' CCap needs to own up as it is clear they are not innocent in this issue. They must retract the credit reporting lates their system caused and that can not be remedied or any answers received by them.
|
| 06/30/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a new XXXX XXXX with Chrysler Capital on or about XX/XX/XXXX. I enrolled in autopay on or about XX/XX/XXXX. My lease term was to XX/XX/XXXX. After turning in my vehicle at lease end, I checked my CC account online at www.Chryslercapital.com to see if there were any charges related to my lease end - such as wear and tear, damages, etc. this was XX/XX/XXXX I believe. The website indicated that a payment was past due. I immediately called CC customer service at XXXX as I was sure it was a mistake. I was told by the rep that no payment was made in XX/XX/XXXX representing the final payment. I indicated I was enrolled in auto pay so the payment shouldve been taken out. She said CC does not deduct final lease payment automatically. This was news to me. Its not in the auto pay agreement and I did not receive correspondence alerting me to this. I even spoke with a lease-end specialist who reached out to me XX/XX/XXXX - she did not mention this. So I paid the full balance immediately. I asked the rep would the late payment be reporting on my credit as she indicated it was 34 days past due. This was very important to me as I would be in the market for a home soon and I worked very hard to get my credit to a good score where I would not only qualify, but also position myself to get the best rates. She said she could not be sure whether or not it would be reported.
No late payments reported on credit XXXX - XX/XX/XXXX. In the meantime, I received a refund from CC for overpayment.
XX/XX/XXXX I began the mortgage application process. First step was to get quotes from different lenders and brokers. I do actively monitor my credit, but obviously I dont have access to what exactly the tri-merge would show. XXXX XXXX XXXXXXXXXXXX was one of the lenders. I received a Loan Estimate and I considered the terms great and put XXXX near the top. The loan officer informed me that CC was still showing as an open account meaning the monthly payment was being included in my DTI. This along with other errors on my credit factored in to her review of the file. I told her this was incorrect and sent her documentation but she basically told me whats on credit when they pull it is final and that was that. I disputed this with all credit bureaus. This incorrect information impacted my scores and loan products I was able to qualify for. I spoke with other lenders who were more understanding and I closed on my home XXXX.
Later that same month I get updated on the dispute. CC reported the account as closed/full term. However they also reported the payment that they didnt deduct! This was pretty infuriating as the only reason I disputed the trade line was because they didnt accurately report it as closed in the first place. I didnt really know what to do. I felt it was completely unfair. But I told myself that technically it was late and there was nothing that could be done.
From then until XX/XX/XXXX the trade line stood. I inquired about credit limit increases with my credit card companies and none were approved. Before, either they increased them automatically or I was approved consistently when I inquired. I was fed up as my credit scores were not moving back up quickly. I also wanted to apply for higher tier cards, but knew my scores were not high enough. So I called CC again for help. I believe this was XX/XX/XXXX. The rep was very nice, but told me that there was no one to discuss this with and that I would need to dispute with bureaus again. I felt defeated once more. I finally disputed with XXXX on XXXX and that same day the dispute was closed with no changes. I submitted to them my bank statements from XX/XX/XXXX - XX/XX/XXXX showing I had more than enough funds to pay and the transaction history showing all other payments made on time.
But this is completely unacceptable. I enrolled in auto pay so my payments would be deducted when due. To this day CC website literally says When you sign up for Auto Pay you never have to worry about late or missing payments. I also sent this statement in a screenshot as it appeared on the website with my most recent dispute. I relied on this as being accurate and it has cost me irreparable harm. I worked so hard to repair my credit and it has been tarnished because of a technicality. I did not receive a call or voicemail letting me know the final payment would not be deducted. I do not have my auto pay agreement, but the one on CC website as of XXXX says nothing about last payment needing to be paid manually.
I do not understand this practice of theirs. The first time I called in XX/XX/XXXX, the rep told me they did this because they wanted to avoid taking multiple payments accidentally? I would rather them take more payments than the alternative that has happened to me! This practice is unethical as the only benefit lies with CC as they can and did collect a late fee. In no way does the consumer benefit. At best they would come out neutral as the payment is due whether made automatically or manually. I was given no sufficient notice. CC to this day represents auto pay as a set it and forget it payment option. This should not be allowed to continue to harm consumers.
Please help.
|
| 07/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My complaint is concerning the illegal ongoing acceptable practices of the Santander Consumer USA Company based in the state of Texas and lead by CEO XXXX XXXX. To date, they have been able to operate this business through deceptive practices. I am asking you to not only investigate but to do something that will conclude in results.
After sending my Letter of Dispute via certified mail ( Exhibits 1 & 1B ), I received a copy of the contract, listing of payments & notice of repossession XXXX Exhibits 2,3 & 4 ). Nowhere in the package did Santander Consumer provide me with a Certified Return Receipt copy of the Discretionary Notice, Required Notice after repossession nor Final Notification Notice. They deceptively did not include this, even though it was a part of my dispute and request, because they originally never sent it and I indeed never received it nor signed for anything from Santander Consumer regarding this issue. To further their deception and to add insult to injury, they fallaciously included a copy of a notice of repossession dated XX/XX/XXXX ( Exhibit 3 ) in which I had never received. This was an after the fact vindictive ploy to discredit my name. This is the first that I have ever viewed this document.
To display that they have no respect for following instructions, in the conclusion of my letter to them I instructed, Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. Even in this, they defiantly dismissed my request and phoned me on Friday, XX/XX/XXXX at XXXX XXXX and Monday XX/XX/XXXX at XXXX XXXX. This displays lack of professionalism as well as total disregard to my written request.
The deceptive practices of this company is not limited to a certain region but in fact has been noised abroad. The internet is inundated with complaints about the business and financial practices of this company and no one in Government Authority seems to address it.
The outlandish and extremely bizarre practices of this company are publically documented for your viewing at the States Attorney Office, XXXX XXXX XXXX, XXXX XXXX, FTC, as well as your own site the CFPB. Additional sites for your viewing as evidence such as : XXXX XXXX XXXX XXXX XXXX XXXX https : //santander-consumer-usa.pissedconsumer.com/review.html XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX It is evidenced that this company makes its profits by pure deception and violating state laws. They thrive on ruining the credit of consumers at will. I will not fall victim to their prey. This practice must cease and desist immediately. They have absolutely no regard for the Laws of the State and taunt anyone to challenge them.
As defined below, they have blatantly violated Maryland State Laws with regard to the proper procedures for their claim. Therefore, there claim should be indicated as null and void and all of my personal credit reports should immediately reflect this fact. I am raising this complaint to your level in anticipation that you will resolve this chaotic atrocity. Please see the brief law regarding the repossession procedures for Maryland below : 2010 Maryland Code COMMERCIAL LAW TITLE 12 - CREDIT REGULATIONS Subtitle 10 - Credit Grantor Closed End Credit Provisions Section XXXX1021 - Repossession.
12-1021. Repossession.
State of Maryland Auto Repossession Laws Pre-Repossession Notices Lenders attempting a repossession must strictly comply with state laws before they can legally take your vehicle. The required notices include : Notice to Buyers : Youre entitled to an official statement of your rights, as well as a copy of the sales contract covering the purchase of your vehicle and financing terms. The document must also include a notification that you have the right to pay the full loan amount in advance.
Discretionary Notice : This notice will inform you of the delinquent amount and state the lenders intent to repossess the vehicle under the terms of your loan. It will also include the repossession date and itemized costs for towing and storage. While the Discretionary Notice isnt required, a creditor will usually provide one because it allows for recovery of repossession fees. This notice must be delivered at least 10 days prior to taking your car. All signers on the loan need to be served by certified or registered mail. If the creditor fails to do this, you are absolved of the responsibility for repossession fees.
Notices Required After Repossession Even after repossessing your vehicle, the lender cant immediately turn around and sell it. The creditor must send you a Required Notice by certified or registered mail, reminding you about your rights to redeem the car ; it will also cover details about the location of the car and circumstances of resell. The lender must keep your vehicle for at least 15 days following delivery of this notice, and not attempt to sell it.
Maryland State law also requires the lender to send a Final Notification to Borrower via certified mail 10 days prior to selling it.
|
| 02/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I made a payment of {$480.00} on XX/XX/XXXX for XXXX payment. At the near end of XXXX I discovered in my bank account that XXXX XXXX took a second ( additional ) unauthorized payment of {$480.00} on XX/XX/XXXX. I thought well XXXX 's payment was still due so I let it go.
That was Until I received a phone call from XXXX on XX/XX/XXXX advising my account is past due for XXXX and that I still owed a payment.
I called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX. He advised that I send my XXXX bank statement showing that the payment was withdrawn from my account. I sent my bank statement on XX/XX/XXXX and it was NOT received. I sent my bank statement on XX/XX/XXXX and it was NOT received. I sent my bank statement on XX/XX/XXXX directly to XXXX. Not only did I speak with XXXX but we conferenced in my credit union, XXXX XXXX, to confirm the bank statement information. He confirmed he received the statement and forwarded it to the XXXX Department for review. I was told XXXX business days for review. After the review ( XX/XX/XXXX ) I called and spoke with XXXX. XXXX advised that it was still under review. XXXX also advised that this is not XXXX 's issue and I must have sent duplicated payments and that I should contact my bank and get the money bank from them. He was rude and blamed the entire situation on me because it couldn't be XXXX XXXX XXXX XXXX.
On the tenth business day, XX/XX/XXXX, I received a call from XXXX XXXX and she advised that XXXX was no longer my account manager for this escalation and that XXXX XXXX was going to be taking over. She claimed she is very good at getting to the bottom of tough situations. I proceeded to call XXXX XXXX XXXX XXXX asking for her to call back each day that week for an update. I did not hear back from her until the XXXX of XXXX. At this time she advised that I needed to send not only my XXXX bank statement but also XXXX and XXXX up to the current day, XX/XX/XXXX to show that the payment was not returned back to me. XXXX XXXX stated if my statements do not show a returned payment, XXXX will credit my XXXX payment. I sent all requested documents on XX/XX/XXXX. Finally we are approaching a resolution, so I thought.
Since XX/XX/XXXX, I have had no contact with XXXX XXXX. I have called to follow up and each time I have called I have spoke with a different person. In total from business day XXXX I have spoken to XXXX different people in total. Names as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XXXX.
On XX/XX/XXXX it was reported to my credit report as a missing/deliquent payment over 30 days. My credit has been perfect since I had corrected it 10 years ago. My credit report took a XXXX point hit. Now my fiance and I face trouble listing our current home to buy a new home.
I called to expedite resolution due to my credit score tanking on XX/XX/XXXX and I was told there is no resolution and that I need to continue to be patient.
I called XX/XX/XXXX to continue to follow up. I spoke with XXXX and she advised we needed to contact my bank and do another conference call. XXXX advised that XXXX now needs documentation and transaction numbers from the third party bill payment company. For the record, I do not have bill payment setup with my bank to pay ANY bill. My bank is currently in the process of getting the requested information to XXXX. XXXX also advised there is a document deadline of 3 business days. I stressed to her this is the first I am hearing of a document deadline and that I have done everything they have asked of me or sent in all documenation that has been requested. This is a process that is on my bank and there should absolutely be no document dealine as this process is out of my control. She was not forgiving regarding this.
I received a letter in the mail threatening repossession of the vehicle on XX/XX/XXXX.
I then called XXXX XXXX back and paid my account up to date in order to avoid future credit reporting and repossessing of the vehicle. I paid XX/XX/XXXX payment, XX/XX/XXXX payment and all late fees.
I spoke to XXXX today, XX/XX/XXXX, and there is still no resoluation as we are on the XXXX business day. I asked to speak with someone above the Executive department but no management was available. She stated someone will be calling you back in 24-48hrs ( business time ). I asked that my credit report be fixed immediately in order for my Fiance and I to move forward with our home selling/buying process. I paid XXXX payments twice now. There has been NO forgivness on XXXX XXXX 's end. They will not remove the bad remark on my credit until the payment has been located on their end.
Due to this terrible experience, I will NEVER use XXXX XXXX for any my vehicles moving forward. Most of the Account Executives I have spoken with have been rude and unforgiving. The others I have spoken with continue to apologize but tell me there is nothing they can do. Each time I am close to a resolution, XXXX pulls the rug out from underneath me and I have to fetch another document or provide additional informaiton. This has been by far the worst experience I have gone through with a financial instituion.
|
| 09/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/2018 I received a threatening voicemail from XXXX Contact, XXXX XXXX , with XXXX XXXX XXXX XXXX Threatened : ( 1 ) Summons ( 2 ) Schedule to Deliver of that Summons my place of Employment or Home in 24/48hrs ( 3 ) Wanted me available with 2 forms of ID ( 4 ) If my Summons is served at my employment they wanted a Supervisor or Security Officer to be available as witness ( 5 ) Failure to sign Summon could result in missed Court Appearance.
XX/XX/2018 - I called XXXX, aka the Number provided. When returning the phone call to XXXX XXXX XXXX, the person who answered was XXXX XXXX XXXX XXXX ( not XXXX XXXX XXXX XXXX ) I spoke with Mr. XXXX, who said I owed {$8700.00} on an old Auto Loan, the statute of limitation for the old loan was nearing. If I wanted to avoid going to court, he said he would need approximately amount {$3400.00} to settle the debt today. ( I never reached the original caller XXXX XXXX or XXXX XXXX XXXXXXXX XXXX. ) I admit I was scared and intimidated I stated, I definitely did not want a summons to court and but Im currently unemployed and didnt have {$3400.00}. Mr. XXXX gave me hardship rate of a one-time payment of {$810.00} if paid by XX/XX/2018. I was emailed a one page document from Mr. XXXX from XXXX. I have never physically mail verification of the debt statement from XXXX XXXX XXXX XXXX.
Mr. XXXX asked for my personal information, although I did not sign authorization, I provided them with my personal information, Name, Address, Debit Card Number, Expiration Date, and they had my SSN.
XX/XX/2018 I later emailed/contacted XXXX XXXX XXXX XXXX that payment was unauthorized. They charged my account anyway. The money was taken out by XXXX XXXXXXXX XXXX ( XXXX ) XXXX is the contact for XXXX XXXX XXXX.
XX/XX/2018 - Transaction for the amount of {$810.00} begin to pending from XXXX XXXX XXXX XX/XX/2018 I called the original creditors of the Auto Loan Debt, Santander ( XXXX ), who informed me that they had no record of XXXX XXXX XXXX XXXX and they had not sold the debt to XXXX XXXX XXXX XXXX. And that actually Santander still owns the debt. Santander informed me to call police and file a police report.
XX/XX/2018 When belatedly researching XXXX XXXX XXXX XXXX there are many complaints with the agency. This company is not filed with XXXX. There is a one page website but no verifiable information. Even the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX appears fake.
XX/XX/2018 Called XXXX XXXX XXXX XXXX to speak with Mr. XXXX with new information acquired from the original creditor Santander. XXXX, the Customer Service Representative from XXXX XXXX XXXX XXXX answered the phone. XXXX was aggressive, rude and hostile. He refused to help me or direct me to Mr. XXXX, or even patch me through to Voicemail ext XXXX. XXXX said caustically We got your payment. I know you already paid. You want something from me now. I dont want anything from you. You can keep calling back but I wont help you. We have your information. I found the whole thing ridiculous as I just wanted to speak with Mr. XXXX. But it clearly definitively at this moment helped me to establish that this was a HUGE FRAUD SCAM. I had just become a sucker and a VICTIM!
XX/XX/2018 - I immediately called non-emergency Police Filed a police report.
XX/XX/2018 I called XXXX XXXXXXXX XXXX ( XXXX ) and spoke to XXXX about a refund at around XXXX, since transaction was never authorized, I never signed any of the documents sent to me and I opted to decline. Instead of starting the refund process, she put me hold and suddenly, magically Mr. XXXX from XXXX XXXX XXXX XXXX appeared on the phone line. This was the person I had been trying to get in touch with from a different number since XXXX in the morning. XXXX their rude customer representative prevented me from connecting with Mr. XXXX. Mr. XXXX claimed that original creditor Santander would not know who they sold the debt to because it might have passed hands. I also stated XXXX XXXX XXXX XXXX is not listed in my credit report nor have I received any physical mail from them. Mr. XXXX continue to try to persuade/convince me everything was ok, and sent me an emailed with 1 page document saying I had paid so just present my document to Credit Card Agencies. I tried to get him to three-way Santander so they could speak but Mr. XXXX terminated the three way call.
XX/XX/2018 A few hours later, I received important notification from my credit report ( XXXX ) that my personal Information including Social Security Information has been posted on the dark web.
XX/XX/2018 My money is gone and my information has been stolen and used on the dark web! DO NOT BE A VICITIM! Trust your gut instinct. I am kicking myself now because I should have rigorously verified the company. This is the first time this has happened to me.
SCAM COMPANIES : XXXX XXXX XXXX XXXX XXXX ( s ) : Mr. XXXX, XXXX ( first name only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX ext. XXXX XXXX ext XXXX. Ext XXXX XXXX website : XXXX XXXX XXXX XXXX Contact : XXXX XXXX ( number listed in my Debit Card Transaction Report ) Contact : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I Santander reported a charged off account to the credit bureaus, XX/XX/XXXX.
II As is my lawful right in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I sent via United States Postal Service, a letter requesting formal debt validation. This letter was dated XX/XX/XXXX ( Exhibit A validation letter sent to Defendant ) III Santander sent confirmation of correspondence datedXX/XX/XXXX
IV XXXX failed to respond with any type of requested validation and failed to note the account with the National Credit Reporting Agencies as being disputed by consumer as is required by the FCRA ( Fair Credit Reporting Act ). The failure to note the account as being disputed is in violation of the FCRA, FDCPA, and an FTC ( Federal Trade Commission ) staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
V On or aboutXX/XX/XXXX, I sent via United States Postal Service Certified Mail, with return receipt requested, a second letter requesting formal debt validation. Santander signed for this correspondence onXX/XX/XXXX.
VI Santander again failed to respond with any type of requested validation, but began calling to attempt debt collection, and failed to note the account with the National Credit Reporting Agencies as being disputed by consumer as is required by the FCRA. The failure to note the account as being disputed is in direct violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
VII Collection calls were received weekly from XX/XX/XXXX toXX/XX/XXXX in violation of FDCPA-section 809 part b, VIII On or about XX/XX/XXXX, I sent via United States Postal Service Certified Mail, with return receipt requested, a third letter requesting formal debt validation. Santander received this correspondence on XX/XX/XXXX
IX During the period of time, from XX/XX/XXXX to XX/XX/XXXX, Santander failed to note the account with the Credit Reporting Agencies as being disputed by consumer as is required by the FCRA. The failure to note the account as being disputed is in direct violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
X On or around XX/XX/XXXX this account was reported as a repossession to TransUnion in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
XI On or around XX/XX/XXXX, this account was reported as a repossession to XXXX in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
XII On or aroundXX/XX/XXXX, this account was reported to as a repossession to XXXX in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor.
XIII As ofXX/XX/XXXX, Santander reports the debt as closed and charged off. Between XX/XX/XXXX and XX/XX/XXXX the reported balance owed for the CHARGED OFF debt was increased to {$14000.00} as verified by credit reports. The debt itself is past the statute of limitation of 3 years for the State of MS and is therefore uncollectible. Continuing to report this account is also considered collection activity according to the FTC opinion letter and is also a violation of the FDCPA.
XIV It has also been noted that there are discrepancies in the reporting of monthly activity on the Plaintiffs account upon closer examination of their credit reports. These discrepancies constitute inaccurate reporting of information to the credit reporting agencies which is also a violation of the FCRA.
XV Because of Santander 's blatant disregard for the XXXX rights as allowed by the FCRA, the XXXX have been denied credit. Santander has also hampered our ability to obtain a mortgage.
XVI These actions on the part of Defendant demonstrate a willful non-compliance, as per FCRA and also constitute a blatant attempt to injure or ruin our credit rating since Santander has demonstrated an inability to validate the alleged debt in a timely manner ; reported inaccurate information ; changed the status of the account to repossession ; attempted to coerce payment by phone call and by continuous reporting of activity, after the XXXX Statute of Limitations ; and subsequently increased the debt to {$14000.00} after the XXXX Statute of Limitations.
|
| 06/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I arrived at XXXX XXXX XXXX to execute my rights as a consumer by extending my credits for personal, family, and household purposes by acquiring a XXXX XXXX XXXX XXXX. XXXX : XXXX, for {$23000.00}.
XXXX XXXX said the Lender is SANTANDER CONSUMER USA INC .
XXXX XXXX XXXX also requested that I must put a down payment ; I gave XXXX {$2100.00}, but According to : 15 U.S. Code 1662 - Advertising of down payments and installments.
No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.
Santander Consumer USA INC/ XXXX XXXX XXXX has refused on several attempts to return all the overage payments I paid to this group. First, in XX/XX/XXXX, I requested a Validation of debt which Santander didn't respond to.
15 U.S. Code 1692g - Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Also, I was not informed of the three-day right to rescind the contract.
12 CFR 1026.23 Right of Rescission : Consumer 's right to rescind. Unexpired right of rescission. 23 ( a ) ( 3 ) i. When the creditor has failed to take the action necessary to start the three-business day rescission period running, the right to rescind automatically lapses on the occurrence of the earliest of the following three events : A. The expiration of three years after consummation of the transaction.
Therefore, I exercised my right to rescind within three years of the contract.
I sent a Right to Rescind letter and notified both XXXX XXXX XXXX and SANTANDER CONSUMER USA INC., as stated according to 12 CFR 1026.23 ( a ) ( 2 ) 1. Consumer 's exercise of right. Where the creditor fails to provide the consumer with a designated address for sending the notification of rescission, delivering a notification to the person or address to which the consumer has been directed to send, payments constitute delivery to the creditor or assignee.
SANTANDER CONSUMER USA INC then responded with a ''Default To Cure Notice '' in XX/XX/XXXX and sent the first Validation of the debt letter in XX/XX/XXXX since the previous notice I sent in XX/XX/XXXX, but SANTANDER still flagged my credit profile for being late but under the fair credit reporting act, 15 U.S. Code 1681 section 602 A states I have a right to privacy.
15 U.S. Code 1681 section 604 A states, A consumer reporting agency can not furnish an account without my written instructions.
15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts : that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment.
I never gave SANTANDER CONSUMER OR XXXX XXXX XXXX XXXX permission to release any information about me.
18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 1002 - Possession of false papers to defraud United States 18 U.S. Code 1001 - Statements or entries generally : ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; 18 U.S. Code 1005 - Bank entries, reports and transactions any individual person SANTANDER CONSUMER USA INC repossessed my vehicle on my private property. I then sent a letter asking Santander Consumer USA INC. to provide the following information.
UCC Article 9-210. FOR ACCOUNTING, REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT.
Santander CONSUMER USA INC Provided another copy of the Validation of the debt letter. Santander is committing fraud every day and going untouched. I gave XXXX XXXX XXXX the security, and they accepted the security. The bank deposited the securities note with several witnesses, including a notary. Santander consumer USA repossessed my vehicle and left my family and me without a vehicle. SANTANDER/ XXXX refused to return my security deposit, claiming that I still owe them monies when the agreement said I would tender payment. I tendered payment in full with interest.
Accounting to the Federal Reserve Act, The promissory Note I signed at the dealership was a security, and the note operates as a security deposit once I give it to XXXX XXXX XXXX. They received my security deposit that had a face value, and they never applied it. SANTANDER reported the repossession and charge-off to the credit bureaus and damaged my credit worthiness.
The Supreme Court says I have a right to use such rebuttal presumption, and I can provide the evidence.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
not my ADDRESS and accounts, names FCRA violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual SANTANDER CONSUMER USA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
XXXX {$2500.00} Closed 15 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2500.00} {$2000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$790.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 120 120 CO CO - - - - - - XXXX 30 30 60 90 120 120 30 XXXX 30 30 XXXX XXXX XXXX XXXX - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$510.00} Closed 19 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$510.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$170.00} Highest balance $ XX/XX/XXXXMonthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO - - - - - XXXX 30 60 90 120 120 CO CO CO CO CO - CO XXXX - 30 XXXX XXXX XXXX XXXX XXXX - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements - Contact XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX {$6100.00} Closed 47 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$6100.00} {$5600.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6100.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 30 60 90 - - CO CO XXXX - - - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX {$7000.00} Closed 49 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$7000.00} {$6500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$7000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 60 30 60 90 - - CO CO CO XXXX - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX-XXXX XXXX {$610.00} Closed 6 potentially negative months
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Re : Account # XXXX Re : XXXX To Whom this may concern : This letter is in reference to the account # XXXX that I purchased/financed with your company Santander Consumer USA Inc. On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , car dealership. My Fico score pulled from XXXX was XXXX at the time of origination. The interest rate you extended to repay the loan was 26.44 %. In this purchase transaction, I traded in my XXXX XXXX XXXX with equity. The XXXX had XXXX miles and had a small title loan balance of {$3700.00}. I made total down payment of {$1100.00} toward this loan. I received a letter from Santander saying that Santander Consumer USA pulled my credit and did determine that I did not have the ability to repay this loan. Santander presented the contract for 72 months. My first payment of {$590.00} came due XX/XX/XXXX. My first payment error was XX/XX/XXXX. I was charged NSF fee and never received credit to my loan balance. Ever future payment was either not applied or when it was applied did not pay principal. The loan balance remained the same for 18 months and for 10 months even while receiving payments. The loan term changed from original 72 to 77 months.
Santander knew or should have known that you were offering a subprime loan with simple interest and terms like this loan would likely default and cause injury to me and similar consumers with credit like me. Santander charged a monthly fee of {$10.00} to make payments. I was charged me 28 late fees. Santander added 4 additional months to the back of my contract for 2 extensions that I did not even need and an additional month for a payment date change. Santander did not advise the interest would be accruing during this extension nor did they explain the payments were still due immediately. Santander Consumer USA received over 43 payments totaling $ XXXX. On XX/XX/XXXX they sold my loan and also received additional amount of $ XXXX from XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX. I made additional payments toward principal in 48 months to stop them from reporting me late and to pay the loan down faster. I received a principal reduction of only {$3800.00}.
Unfortunately, Santander did not apply my payments in a manner that would not unnecessarily increase my payments, without clear justification and my credit reports are still suffering from this negative account. The serious delinquency is because of 10- 13 either 30 day and/or 60 day late payments you report inaccurately. Santander, your faulty billing system has caused errors. Your company reported that you did not receive a payment XX/XX/XXXX, stated that it was NSF. XXXX XXXX verified it was paid timely. I have never received credit for the payment. Santander did not apply my pre-payments even though there were no prepayment penalties with this loan. The principal balance {$19000.00} did not change for 18 months. I could not purchase a home because of what you report to the CRAs. The violations are 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) Santander Consumer USA has consented to the issuance of this Consent Order by the Bureau under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
SCUSA failed to promptly update and correct information furnished to CRAs ( credit reporting agencies ) that Santander determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) SCUSA furnished information to CRAs about severely delinquent accounts and charge offs but failed to furnish Dates of First Delinquency ( DOFDs ).
In fact, I made18 payments from XX/XX/XXXX until XX/XX/XXXX, my loan balance remained unchanged. I disputed this over 8 times with Executive office managers of Santander Consumer USA. I have disputed the payment history with XXXX 15 times and With XXXX and XXXX XXXX 13 times. The date of first delinquency is still incorrect. This negative history reports since XXXX and continues until XX/XX/XXXX. Santander Consumer USA entered into consented order to a Multistate SettlemenXXXX XXXX of XXXX to correct affected consumers credit history and to repurchase and forgive my loan. Shortly after, I disputed XX/XX/XXXX with good cause because another consented order with the CFPB XX/XX/XXXX. I am entitled to monetary relief because my rights as a consumer have been violated. Santander was to repurchase my loan and remove damaging payment history with all credit reporting agencies. SCUSA is in violation of Regulation Z. And XXXX XXXX I am still paying for this car loan and owe more than {$10000.00}. Please accept my complaint and prayer for relief so that I can restore my life by getting on track. Finally, you may review along with some of the attached documents to support the inaccurate credit reports payment history and as violations under the unfair and deceptive practices. Santander Consumer USA has consented to the issuance of this Consent Order by the Bureau under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
First, here is a list of payments made this year : XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$240.00} ( It was later discovered the payment was inadvertently " backed out '' by an agent. On XX/XX/XXXX, a representative from Santander contacted me and, after having researched the issue internally, informed me that there was an " agent error '' and that anything negative reported would be removed. She provided the following information : AUD # XXXX. A {$250.00} credit was applied to our account. ) XX/XX/XXXX : {$240.00} XX/XX/XXXX, XXXX XXXX EDT : {$1200.00} Knowing I was close to maturity in XX/XX/2020, when I made my XXXX payment, I contacted an agent to inquire how to proceed with my payments, making sure it was okay to continue to pay the usual monthly payments of {$240.00} without anything negative reported to the credit bureaus, and as was indicated each month on the Consumer Santander USA website ( https : //myaccount.santanderconsumerusa.com/Account/AccountSummary ). The account summary information on the website always indicated {$240.00} was due with the next payment date. The agent said they'd find the answer and contact me back. However, there was no follow-up and nothing on the website indicated the entire balance was due whatsoever.
Prior to paying the XX/XX/2020 payment, the website indicated {$240.00} was due and therefore made that payment. I inquired on the same day with an agent to make sure I was meeting Santanders payment expectations. After taking a hard hit with COVID 19 and losing significant income, I was hoping to be permitted to continue to pay monthly without any negative effect on our credit especially since my apartment lease is up at the end of XXXX and I'm in the midst of purchasing a home with the little money I have saved. I had already been pre approved for a loan with my XXXX XXXX score ( via hard pull lender credit report ) and qualified for a great rate that would make my mortgage less than what I was paying for rent. Despite the crisis many of us are experiencing with the pandemic and no income, if Santander insisted I pay the entire balance, I would have certainly done that to avoid anything negative on my credit report.
That agent was supposed to contact me back, but did not. I have phone records I can provide. Not only was there a lack of follow through, this agent also backed out the XXXX payment without authorization, which made it appear as though the payment was late. On XX/XX/XXXX, I received a call from Ms. XXXX with good news. She called to inform me that the incident that happened with the XXXX payment was due to agent error and that they would remove the negative credit reporting. On that call there was no mention of anything else needed. All we knew was that the website indicated our next payment of {$240.00} was due in XXXX.
On XX/XX/XXXX, I received updates from the credit agencies, another bad mark was added to my XXXX credit report from Santander. From what I can see on XXXX XXXX ( I know it's FICO, and not 100 % accurate ) my credit dropped roughly 120 points. I haven't pulled an official report, because I am in the middle of purchasing a home and any type of hard pull can hurt my credit score even more.
On XX/XX/XXXX, I called Santander and was shocked to hear the entire balance was due. I was on the phone with them for HOURS that afternoon trying to get a letter of deletion to share with my lender ( for a rapid re-score ) before I paid the amount in full, but they said they couldn't provide a letter " due to company policy '' and wouldn't let me talk to anyone in the credit department because " they only corresponded via mail and can take 30 days once received ''. They gave me no option or any direction to fix the solution, even though they openly acknowledged that they made errors on my account. I paid the loan in full before the deadline of XXXX ET on XX/XX/XXXX to prohibit any more negative updates on my Experian credit score.
This week, my XXXX credit score took another hit. Santander is now saying the balance wasnt paid in full in XXXX when I have phone records proving the payment time and banking statements that can prove the day the payment was made. If they listen to their recorded calls, theyll hear my conversation with one of their agents on XX/XX/XXXX confirming if I paid the bill on that day ( XX/XX/XXXX ) by XXXX ET ( the time the agent told me to pay by ), my payment would go through that day and would not affect my credit score negatively.
Santander did not conduct a thorough investigation regarding my dispute, and failed to give me a response regarding the negative impact their errors caused my credit score. My credit has dropped over 100+ points in the middle of the home buying process after I had already been pre-approved for a loan with my XXXX score of XXXX. If my score doesn't go back up because of their error, I will have no place to live.
Thank you for your assistance with this matter, I really hope writing to you guys can help.
|
| 09/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I financed a XXXX XXXX XXXX through a bank or lender call Santander Consumer Usa in XXXX. The Payment was XXXX monthly. I was making the payments on time until few months ago, I experienced some economic Hardship where work is concern. I stayed in touch with the company as often as I could to get payment arrangements. I did this to avoid my car getting repossessed, after the company usually sent out a notice to repossessed if not paid by a certain amount of days. The last payment I made was in XXXX for XXXX and the last notice I received was in early XXXX. On XX/XX/XXXX, I parked the car somewhere around XXXX XXXX that evening. Only to wake up the next morning to go to work and found the car missing. I did not get any final notice to pay from this company, so I was shocked to learned that a tow truck came the night of the XXXX and repossessed it. I call the company and was directed to a recovery dept. I spoke to a rep and explained the reason for falling behind. The rep was willing to assist, but during the call, I lost connection because of my phone battery that died. I called back the number and got a different rep instead. I think she said her name was XXXX or XXXX. She quoted the total amount to pay, of XXXX and I explained that unable to pay such amount. The rep work something out at a lesser amount. I asked to give me time to pay by the next pay period of XX/XX/XXXX. She agreed to it and also provide me with info to the tow company to recover my things in the car.
The next day I call the 1800 number that the young lady gave me. No one answer and the voice mail was not accessible to leave a message.I called back Santander in the afternoon around XXXX XXXX and ask if they can at least provide me with a contact number or address for the tow company, so I can set an appoint to get belongings.The response I received was ridiculous. The rep refused to give me the info and lead me to believe that even if I get the address I will not be able to go to the location w/o appointment. I explained that I could use the address to find the phone number and call. They still refused and instead tell me about my last payment I made and that they sent a final notice on XX/XX/XXXX which is the day after the car was repossessed. I question the Rep and ask how can they possibly sent a final notice after they took the car and how unfair this practice is. I told the rep that I will further look into it.
That night around XXXX XXXX I called to speak with a manager, the rep name XXXX who took my call wanted to direct me to the recovery dept again. I demanded to speak to a manager, I got a manager name XXXX, I took my time and explained my concern. The manager did listened but he then spent the time justifying everything that was done and failed to addressed the fact that the car got repossessed w/o notification and that the company can not provide any information concerning the where about of the car. This manager state that the company is not obligated to send notices for repossessed. Even after I stated that the company usually does and that there is no document sent stating the company does not have to send notice. The manager stated that they tried calling a phone number on file which was active and did not get a response. When asked what number was used to call, the manager provided an old phone number that was updated many times that even the ivr system they have recognized it. I dispute this claim and even went further to mentioned that other forms of communication the company usually use is my email and my home address. The next argument I had with the manager was when he defended that the company can not tell me where the car was because even if they did I will need to make an appointment. I explained over and over to this manager that I know about the appointment, all I want is at least the phone number or address to look up the number to make the appointment. I expressed that with my personal information being circulated to all type of vendors as he stated, this room for scam and identity theft to take place. I spent more than 1/2 hour on the phone with this manager, and still nothing was resolved. The manager spent the time defending their actions and even lying to me saying that the company did not send the notice on XX/XX/XXXX like the previous representative stated they did. They failed to take responsibility on the improper practice they provided to me. Now I am left with shear humiliation, emotional stress and a life full of hassle trying to get my belongings and my car back.
I understand that I too should do my diligence to make my payments on time. As I mentioned before, due to Hardship, I got stuck along the way.
Please try to address this issue with this company if possible. I am seeking some form of satisfaction for this. This is the first time I have ever encountered such humiliation where my car is concern. This is the second time that the company is giving me information verbally that I never was told before in writing.
|
| 08/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
This is the second auto loan that the dealers at XXXX XXXX got for me ; they were trying to help me find a company that will give me a lower payment from over {$400.00} to {$380.00}. They got me Santander Consumer USA and it 's parent 's company is Santander Consumer Holdings. At the time I did n't have enough information about this company and all I had to do is wait for their monthly payment in the mail. However, payments in the mail did not come and on XXXX/XXXX/XXXX, I dialed XXXX because my car was missing from my apartment 's parking lot. I found out that Santander towed my car to XXXX XXXX towing place. It would have costed me {$25.00} in cash after I pay 3 months of payments for me to get the car out.
( I went back and forth trying to deal with both XXXX and Santander on the phone and at this point they were very hostile, gave me the run around and were not giving me clear information. If they were going to charge me more fees on my statement ( which Santander did ), I would not be surprised. This time, I gave them my correct address, however, again it still took me longer to receive the statement so I created an account with SantanderConsumerUSA online to make payments. ) Santander finally addressed to me that I can pay 3 months of payments through XXXX XXXX by wire transferring and then they ASKED ME TO CALL THEM BACK TO GIVE THEM THE CONFIRMATION # OF THE TRANSFER. On XXXX/XXXX/XXXX at XXXX, I made the transfer and returned home around XXXX to call Santander to give them the confirmation # and that it would take up to 4 hours for the transfer to go through so I should wait. This was the afternoon before the XXXX of XXXX and that every place especially that XXXX towing company will be closed so I waited until XXXX XXXX ( my birthday ) to call and ask about my car. On XXXX XXXX, I called and XXXX in XXXX told me that the car was towed to XXXX XXXX XXXX in a nice area called XXXX, AZ. XXXX said it was Santander 's order that had my car towed to the XXXX XXXX XXXX because XXXX only has my personal belongings which they removed when the car is towed. I called Santander and a gentleman had no clue after looking on the computer where my car went. It took him about 15 minutes of waiting on the phone for me to find out that it was towed to XXXX XXXX XXXX. I finally took a taxi ( because there is no public bus that will take me there ) and asked XXXX to please release my car and they were very helpful. They also mentioned to me that there may be possibly be a {$260.00} ( something that was close to {$300.00} ) charge on my statement by Santander. I was furious because I found out that when I made the call to Santander to confirm my wire transfer on XXXX, at XXXX, immediately at around XXXX, Santander went ahead and had the car towed to an auction place which now I have to pay higher fees ; Santander did not call it off. Because they did NOTHING and continued to do NOTHING by refusing to take the fees off or helping me, I told them that I will only pay the monthly fee of {$380.00} or {$880.00} from a $ 700-something statement online. Last, I finally received a statement in the mail which amounted over {$1000.00}. Instead of {$700.00}, it went over {$1000.00} and then to what else, much higher?!? This is getting out of control!
Again, I will continue to pay them the monthly fee and nothing else until they remove these outrageous fees and interests. I did nothing but cooperated with them while they continued to abuse their authority by harassing me and by being hostile towards me. I know I am not the only customers they are mistreating. I would these fees removed because I want out of Santander - all of Santanders! I have all of my paperwork to back up my claims. I also contacted XXXX from XXXX XXXX XXXX. They are the corporate of XXXX XXXX and XXXX was the only one who was very helpful along with the nice lady from XXXX XXXX XXXX. It is Santander Consumer USA and Santander Consumer Holdings that I have a very, very huge problem with. They are extremely UNETHICAL and are playing games with our credit and our lively hood. Between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I had to take taxi cabs after taxi cabs to work and buses after buses to work and to other places because I did not have reliable car it costed me well over {$150.00}.
Again, I would like to resolve this and have Santander remove these ridiculous, unnecessary and outrageous fees plus interests. Their practice is unethical, totally abusing their power and their behaviors or actions are out of control. Nobody especially consumers have to put up with that kind of ordeal. Once I have these fees removed, I would like to have my credit score fixed and I would like to get out of their loans or their " power '' over me and my life. These people at Santander are behaving so badly that they are effecting me in a very negative way. I feel like I am their prisoner.
Thank you for assisting me in this crucial matter. I look forward to hearing from you.
Best Regards, XXXX XXXX
|
| 03/07/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX continues to harass me about an illegally purchased, charged-off debt ( MY CAR ) by sending tow trucks to my house and banging on my door to the point of nearly breaking my glass. This must stop now!!! XXXX has not responded to the 1st complaint ; therefore, I've filed a complaint ( see attached ) with the Texas Attorney General against XXXX. XXXX didn't respond to CFPB 's 1st complaint number XXXX that I filed on XX/XX/XXXX. Please see this recent CFPB Complaint number : XXXX, Date submitted to CFPB : XX/XX/XXXX, Date sent to Company : XX/XX/XXXX that XXXX. Attached is a recent harassing letter from XXXX that I received on XXXX XXXX. In this letter XXXX continues to harass me about this illegally bought debt that was charged-off and is no longer owed. Today is XX/XX/XXXX. I 1st notified XXXX on XX/XX/XXXX, the 30 day mark that I do not owe this debt per the instructions in their harassing letter ( attached ). XXXX Please stop harassing me about this debt that I do not owe! You are violating the law by continuing to do so. this complaint is in relation to the following : I obtained a car loan for {$19000.00} from Santander Consumer USA through XXXX in XX/XX/XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with Santander Consumer USA over payment arrangements during this time. On XX/XX/XXXX, Santander XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off. My complaint today is concerning Santander Consumer USA 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move. To make matters worse, I received a letter dated XX/XX/XXXX ( SEE attached copy of letter ) 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX ( the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XX/XX/XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called Santander Consumer USA to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}. I'm just complaining more so today about Santander Consumer USA 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter ( SEE attached letter ) dated XX/XX/XXXX that THEY'VE SOLD my ALREADY CHARGED-OFF LOAN to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX???!!! Further, the letter states that XXXX XXXX XXXX XXXX XXXX now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!! How is this EVEN remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What's really going on here?? How can XXXX XXXX XXXX XXXX XXXX OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! Furthermore, it is even illegal that Santander Consumer USA was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!! I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX have violated. I will also be notifying the Attorney 's General in the states where Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX are located. In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that Santander Consumer USA furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing ( or should have known ) that this information was incomplete or inaccurate??? And so I've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! or Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
|
| 03/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This complaint relates directly to the previously filed complaint # XXXX in relation to Chrysler Capital ACC # XXXX. This is a repeat offence that was perpetrated upon me and should be carefully investigated and addressed. Chrysler Capital is trying to extort from me funds in excess of {$56000.00} for a loan that was closed even by Chrysler Capital admission. Below I will refer to myself, XXXX XXXX as third person, such as he, plaintiff, XXXX XXXX. I have prepared the below myself without any help, so please forgive my grammar.
Brief Chronology : - XX/XX/XXXX Plaintiff XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ( who acquired the vehicle ) purchased vehicle at XXXX XXXX XXXX financed by Chrysler Capital.
- XX/XX/XXXX Said plaintiff refinances said loan # XXXX through XXXX XXXX XXXX loan # XXXX, who sends check # XXXX in the amount of {$56000.00} to pay off Chrysler Capital loan referenced.
- XX/XX/XXXX Chrysler Capital deposits the check, but does not credit it to the correct account.
- Plaintiff calling multiple times and getting ignored, Chrysler Capital says the endorsement is irregular, they never got the check, the check was lost or stolen etc.
- XX/XX/XXXX plaintiff provides copy of cleared check, Chrysler Capital continue to insist they never deposited the funds.
- XX/XX/XXXX plaintiff files a complaint with CFPB with copy of the cleared check attached, simultaneously trying to resolve matter with Chrysler Capital. At some point Chrysler Capital received the complaint from CFPB and advised plaintiff XXXX XXXX to re-issue the check and make a stop payment on the previously issued check. XXXX from Executive Office was the one to advise a stop payment on the check.
- XXXX XXXX XXXX XXXX makes an effort to retrieve the funds from check # XXXX that Chrysler Capital claims they never got and are successful at it.
- XX/XX/XXXX as advised by Chrysler Capital employee ( or affiliate or subcontractor or processor answering the phone on behalf of Chrysler Capital, exact relationship not known to plaintiff ) XXXX XXXX XXXX reissues another check # XXXX for the same amount of {$56000.00} and overnights it to Chrysler Capital.
- XX/XX/XXXX Chrysler Capital confirms receipt of the check and applies it to the loan balance, as well as issues a written reply to the CFPB complaint # XXXX, in which it states mistakes were made, but now it's all good.
XXXX XXXX XXXX received a letter ( attached below ) stating that Chrysler Capital released the lien from the vehicle title and that the lien has been satisfied in full.
- XX/XX/XXXX ( on or about ) XXXX XXXX receives a disbursement check from Chrysler Capital stating that the loan is closed, account is reconciled and all is good.
Shortly after check is posted, since the complaint was worked out plaintiff in good faith closes the complaint thanking Chrysler Capital for resolving the matter.
IMPORTANT : Sometime in XX/XX/XXXX ( exact day unknown ) Chrysler Capital finds the check that was presumed irregularly endorsed issued on XX/XX/XXXX for the amount of {$56000.00} and number # XXXX, same check that a representative of the company advised to have a stop pay placed and tries to deposit it, thus committing fraud ( using financial instruments declared void ), knowingly or unknowingly. Obviously the check had a stop pay and Chrysler Capital was unable to commit check fraud, thus they went back and re-opened a closed and reconciled loan that they confirmed was closed and reconciled, applied fees and interest and went after their former customer XXXX XXXX with a regular statement first falsely claiming past due amount on the loan, and then with 2 attached documents falsely without any proof claiming that the loan is in default, because the check that they fraudulently tried to cash ( knowingly or unknowingly ) had insufficient funds.
Chrysler Capital is allegedly involved in trying to extort and defraud XXXX XXXX for a loan that was completely paid off and confirmed paid off in a written statement to CFPB ( attached ). As soon as Chrysler Capital will repossess the vehicle for which the lienholder is XXXX XXXX XXXX they might be guilty of Grand Theft Auto in addition to all the financial fraud they are trying to commit, besides trying to extort XXXX XXXX for a loan that was closed.
On top of that, XXXX XXXX is a professional that holds Florida State licenses that require good credit rating in order to be valid. He is also trying to acquire additional licenses that will be denied, should his credit rating decline, which means an end of his professional career and gainful employment. Not to mention the stress, duress and harassment endured because the lender committed a mistake. XXXX XXXX XXXX physicals health is in decline, his mental state is very much affected by such symptoms as XXXX, XXXX, XXXX and XXXX due to the damage inflicted by Chrysler Capital that can be confirmed by multiple witnesses that know him closely.
|
| 06/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a vehicle in XX/XX/XXXX and financed the vehicle with Chrysler Capital. I was dissatisfied with the service of this company for many reasons and in XX/XX/XXXX I decided payoff the loan in full. I found payoff information online and spoke with Chrysler Capitals Customer Service to verify the information found online. A bank check or certified funds were requested by Chrysler Capital. On XX/XX/XXXX, my financial institution withdrew the funds to pay off my loan. The check, also dated XX/XX/XXXX was mailed to the address provided by Chrysler Capital. My financial institution followed their established procedures for paying off the vehicle with customer funds. On XX/XX/XXXX, the funds mailed by my financial institution were credited to my Chrysler Capital loan and my vehicle was paid in full. This was acknowledged when I viewed my Chrysler Capital online account. Note nothing was sent to me to acknowledge a full payoff of the loan. On XX/XX/XXXX ( 27 days after my vehicle was paid in full ), I had not received anything from Chrysler Capital ( title or refund of excess interest paid ). I phoned Chrysler Capital and was told the title had been released and would probably be mailed the following week. I was also told a refund of excess interest had been ordered and should arrive the following week. On XX/XX/XXXX ( 41 days after my vehicle was paid in full ), I received the refund of excess interest paid. On XX/XX/XXXX ( 48 days after my vehicle was paid in full ), I phoned Chrysler Capital to inquire about my vehicle title. Because my account was paid in full, Chrysler Capitals voice prompt system did not recognize any of the information provided. The voice prompt system kept cycling me through the same prompts and I was unable to easily reach a representative. It was quite some time ( over 5 very frustrating minutes in voice prompt XXXX ) before I finally made a choice that led me to a queue. I waited for a representative to answer for 8-9 minutes and when the call was answered, there was no one there. I could hear what sounded like a television in the background. The call was ended by Chrysler Capital or the phone system without anyone every saying anything on their end of the line. I called back immediately and, not surprisingly, found myself once again in voice prompt XXXX. When my call was finally answered by a representative, I asked to speak with a supervisor. I was advised by the supervisor, XXXX, that my vehicle title was sent to my financial institution because that is who the check came from. I was given an address of my financial institution that I did not recognize in another state ( probably the home office? ). XXXX told that the good news is that there was a work-around. I was then told that I could contact my financial institution and get the title. They were going to do nothing to correct the problem because it was their policy. This, despite the fact that they requested the payoff come to them on a bank check or in certified funds! I asked that the issue be escalated. On XX/XX/XXXX ( 52 days after my vehicle was paid in full ), I received a call from Chrysler Capitals escalation group. I was told that there was nothing they could or would do to help me as it is their policy to issue the title to the source of the check. The person I spoke with confirmed that I would have to contact my financial institution to get my title. I called back later to confirm exactly where my title was sent as I had not recorded the address that was given to me by the supervisor on XX/XX/XXXX. This second person I spoke with did a bit more research and advised me that the title is electronically released to the Bureau of Motor Vehicles in Ohio and that my financial institution did not have the title. In summary - The time between payoff of the loan and knowledge of the location of my title was 52 days. Ridiculous! The time between the payoff of my loan and receipt of a refund of excess interest was 41 days. Ridiculous! The amount of time spent on this issue not only by me but the person who was trying to assist me at my financial institution was excessive. The level of frustration caused by extremely poor customer service was unconscionable - from a very poor voice prompt system that does not recognize paid in full accounts to long wait times and incompetent representatives. I was repeatedly given wrong information or given no information at all. No communication was ever sent to me acknowledging that my loan was paid in full until I asked for this documentation on XX/XX/XXXX. Apparently, a communication was sent to my financial institution advising that Chrysler Capital had released their lien on the vehicle and thanking my financial institution for doing business with Chrysler Capital and being a valued customer! My time has value. Apparently Chrysler Capital has forgotten the value of their customers and that good Customer Service has value.
|
| 09/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2021, I went to the XXXX XXXX dealership on XXXX XXXX in XXXX, Texas. I initiated a consumer credit transaction for a 2021 XXXX XXXX XXXX XXXX. I stated that I do not do business with any of the third part reporting agencies, seeing as it is not required by law, and was advised that if I did not allow the financing company, CHRYSLER CAPITAL, access to these reports they would not accept my application at all. Being forced to comply, which is a violation within itself of my consumer rights, I unfroze these fraudulent account in order to move forward. Once CHRYSLER CAPITAL received this information they then proceeded to provide me with an offer of {$35000.00} leaving a remaining balance of {$58000.00} and they wanted the lease to be in place for 75 months at a rate of $ XXXX month. This was an outrageous offer so I, as the consumer, refused this offer and went on to request my original amount. At this point in the dealership I had spoke to two sales representatives and a finance manager. When I advised them of my rights as consumer who is of age, mentally and physically capable to contract, and requested to speak to the CHRYSLER CAPITAL on my own behalf, due to the fact that each of the three agents of XXXX XXXX already admitted to not having knowledge of title 15 chapter 41 of the United States Code and if I allowed them to relay my demands it would be detrimental to me as the consumer. CHRYSLER CAPITAL 's representative advised they could not speak to me and only could converse through the dealership from which I applied. I then requested to speak to them again and this time the finance director for this XXXX XXXX location came to speak to me. He stated that there wasn't anything they could do because CHRYSLER CAPITAL, once they have used my credit card to gather credit information, they rank consumers in tiers with tier 1 being top consumers approved instantly and the credit worthiness decreasing and the tiers increase in number. This is a blatant example of discrimination, by ranking me as a consumer who has a right to credit and violates 15 USC 1691. The finance director advised that the only way I may be able to speak to someone with CHRYSLER CAPITAL is if I did the application on my own. At this point I had been at the dealership for four hours and was hungry and exhausted so I decided to go home and do the application myself and return to the dealership with my approval letter. I started a new application on my own through CHRYSLER CAPITAL and called to speak to a representative to voice my denial of their offer and to invoke my rights as a consumer to credit. The first representative I spoke to transferred me to a representative in the customer care department who was very rude and actually told me I could not speak to a manager because I wasn't the dealership. Once I advised him of my rights he finally decided to transfer me, however, while on hold waiting to speak to a manager this representative hung up on me. I called back and got another representative and when I explained my situation she stated that I can't negotiate the offer. I asked if that was a law and she said yes and when I asked if she could direct me to that law for my records she said I would have to do my own research. I then went on to say that it was not a law and asked if this was CHRYSLER CAPITAL 's policy to which she said yes and then I asked her to show me in their terms and agreements where this policy is disclosed to consumers and she said it wasn't in there, another lie she was comfortable conveying. I requested to speak to a manager and she finally complied and transferred me to a manager. This manager began with the same unfair tactics of saying I can not speak on my own behalf and could only communicate through the dealership, even though the company to which they are licensed to, SANTANDER CONSUMER USA INC, clearly states they serve dealers and consumers. Frustrated with the back and forward I asked the manager if I had the finance manager call in with me in the room if we could communicate in that way and he said I could. I then proceeded to head back to the dealership, at this point this has become a six hour process. Once I made it back to the dealership I advised the sales rep I originally began this transaction with that I would like to have a finance manage to make a call so we can discuss these terms. When the representative came back from speaking to his finance director he apologized and advised that the finance director said that this was too much and he did not want to do business or sell me a vehicle, which violates 15 USC 1691 or the Equal Credit Opportunity Act. Surprised with this information, I requested that said finance director provide me with written documentation stating they would not do business with me and the reason to which he declined, again through the sales rep and not directly to me the consumer.
|
| 04/02/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
1 ) Santander repossessed my car on XX/XX/XXXX. previous requested a loan modification which was not offered to me.
2 ) There were two payments XX/XX/XXXX and XX/XX/XXXX that I did not pay anything on the car note but was trying to work our a deal to pay them, and they repossessed my car, In XX/XX/XXXX I did pay a full payment.
3 ) told Santander I wanted to reinstate my car was told on XX/XX/XXXX right after repossession, that I was behind two full payments and needed to pay that before reinstating, was also told about by another representative that I need to pay the car in full and my mom was told by a representative that I could pay was owed on the car which was about 1500 and change to get my car reinstated my mom and I agreed however they never after several calls came back to us on how to pay the arrears and get back the car.
4 ) They retaliated against us for making a complaint with CFPB and also the XXXX and several unanswered calls to Santander bank a representative stated she could no longer work with us to get car back because we filled a complaint against the company and that the car would be on hold and not sold for 10 days and that they have up until XX/XX/XXXX to make a response back to the complaint. we told her we would resend the complaint if we can get the car she stated it was now in the hands of the legal department. When asked if I can calls someone she said no that I couldn't speak to anyone we had to just wait until they response to our complaint on the matter. Before the two weeks was up on XX/XX/XXXX my son called Santander and pleaded with the company to reinstate his car due to the pandemic and emergence and he needed his car for transportation for his family. A representative from the executive office then stated that she would try to have the car taken off of hole by the reinstatement department ( one department after another ) and that she would call my son back. he waited and waited for a few days and received no call back. On Monday XX/XX/XXXX in the afternoon we decided to call Santander again and got a representative on the phone who stated we had to speak with a manger, after she made several attempts to contact a manger which left us on hold for several minutes she stated she could not reach a manager and she took both our names and phone numbers and explicitly told us that someone will contact us by the end of the day, No one did. Yesterday I noticed that Santander sent a response back to us stating about the reasons why the car was repossessed, we write a rebuttal to the letter which indicated that Santander also received a copy of a complaint from the CFPB which was indicated in the response. Still the response did not indicate a means of retrieving the car and stated we had to call the XXXX number and speak with a manger which we have done time and time again but to absolutely no avail. Today XX/XX/2020 we decided to call Santander once again to see what we need to do to reinstatement the car so my son can get it back. We spoke with XXXX in the reinstalltement department who told my son we took to long to get the car and it is now a charge off and we have to pay full price for the car and that the previous installment options are no longer on the table, We called back to Santander to speak with another manager put when we explained to the representative what we went through these past weeks, she connected us to someone in the executive office. the individual from this office stated after reading that the charge off was done on XX/XX/2020 and that we needed to speak to the reinstatement department. I asked him for a supervisor or director of this department he refused to give me a name of a higher executive over the reinstatement department. At first he stated he would try to speak to someone in the department however the phone kept muting so I assuming someone is the office may have persuaded him against the idea.
This is the second compliant made by my son and my self to CFPB, the first one was mailed about XX/XX/2020. I believe that Santander has retaliated against me and my son for issuance of a legal complaint process. They intentionally stalled the process so that the car can be charged off and we could no longer get our car back by requesting full payment of the car. they never called us back on XX/XX/2020 once again knowing that the car would be charged off and making it more difficult for us to obtain. it was explicitly stated to us there will be no sale or financial rendering while the hold was on the car. But id the car was charged of then the charge off preceding was still going on during the time they said we could not do anything to save our vehicle. Santander wrongly utilized unsavory business tactics to manipulate the sale and or auction of this car. I do have additional document and letters to verify our communication with this Santander if needed.
|
| 11/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Santander USA Consumer is still up to there deceitful tactics in trying to harm me financially.I am filing this complaint against Santander Consumer violating my rights under the FRCA and FDCPA. The third party XXXX XXXX XXXX did delete it from my credit report but Santander Consumer is still reporting it on my credit report account # XXXX. I have been in contact with FTC they told to reach out one more time to see if they would delete this item from my credit .I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX There are multitude of violations that they are harming me as consumer by reporting : 1 ) They are reporting to the credit bureaus inaccurate history which causing financial harm and defamation : US Court of Appeals , Ninth Circuit , No.00-15946, Nelson vs. Chase Manhattan . Extent of damages incurred by the wronged party will be deemed by the courts. 2 ) They failed to report to the credit bureaus that it is being disputed. Protection under the FCRA Section 623 fine of {$1000.00}. 3 ) The credit bureaus refused to correct information after I proved proof of inaccuracy, willfully injuring. Protection under the FCRA Section 623 CUSHMAN v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220.4 ) Santander Consumer are " Reaging '' my account by reporting the date of last activity instead of the date of 1st delinquency. Consumer Protection afforded by FCRA Section 605 ( c ) fine of {$1000.00}. They also are not showing on my credit the charge-off amount and the 7 year reporting is not listed. As a consumer according to the Attorney Generals Office claimed that Santander Consumer USAs subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default. I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. So, as I stated XXXX XXXX XXXX who brought the loan from Santander Consumer did deleted from my report. They could have kept on there for 7 year but they knew they were inviolations.So, I am asking one more time yes I have been told by the Assistant Attorney General I am going get paid because of Santander Consumer actions against me. I don't want the money I just want them to do right and have this item removed from my credit report. If they dont delete these items from my credit report for the violations to forwarded it to the Assistant Attorney General office that is over sending the money to the consumers that were validated. So, they can file legal actions. This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; Santander Consumer XXXX XXXX XXXX XXXX Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint in respond to the letter I received from Santander Consumer USA on XX/XX/XXXX.. The Assistant Attorney General Office said that Santander Consumer USA that there charge off be removed from credit report under there name. This is under terms of relief for the consumer : engaging in credit repair for affected consumers. Please remove this item with every CRA asap.
|
| 12/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I was online looking at the XXXX XXXX XXXX because I was thinking of maybe trading in a car I was financing with my mom who was a co-signer. I received several offers from several dealerships including XXXX XXXX of XXXX XXXX. I went to XXXX XXXX of XXXX XXXX with the intention of seeing the value of a car l already had to see if it would be good to trade in. However, once I got there this gentleman greeted me my kids and asked me why I was there so I explained and he asked that we waited in the lobby why he inspected my car. During this time I wasnt even looking at oher cars because I wanted to know if it would be a good trade in. Im a female and dont know much on cars so I do feel this has something to do with my experience. Then the guy comes back to the lobby and tells me oki inspected the car so aretou interested in getting a new car? At no time did I get any information regarding my trade in and I was there with XXXX kids so when they heard new car the youngest one got excited. So I told the gentleman man that I wasnt thinking of buying a new car but maybe a trade in so he called the salesman that was there and quickly we were already walking out to the lot so he asked what kind of cars I like and I told him I love my car just that I would like to know if its be a good time to trade it in and he said for something similar? And so I said yes. Know he showed me like 3 cars then we went back to the office and thats where I started feeling uncomfortable. He took my information such as income etc and after that he said he would check my credit and I said ok thats find Im not going to lose anything. Later he walks out telling me I didnt qualify for their financing because of my credit score. So I asked him for it and he gave me a number completely different than what I had so I asked him to show me the reports and he got up and said he would talk to the manager and never showed me my credit reports or score. Then he comes out after like a 40 min wait and tells me they were trying with other banks and thats when I go upset because I asked if it would hurt my credit score with the inquiries and he said no. That it would only show as one. Well then he comes back telling me that this bank approved me and how much down payment I had and I said well Im not thinking of buying a car so I dont have that in mind plus I had a trade in in mind do I told him thanks you for your time but I have an appointment to go with the kids so I have to go. As Im walking to my car I see that they had already brought the new car to the front of the building and they parked it next to my car. Then another man came out of nowhere helping his buddy get me back to the office. I was like no its fine Ill keep my car and when my credit gets better Ill contact you. I told him I have to leave and cant stay anymore. Then he was like tell you what come inside and Ill give you the cat with no downpayment, youll be the only signer and that will boost your credit becadusd its going to show your old car as paid off. So I was trying to rush out of there but then he got my son and was like do you like the new car its bigger. So I walk back to the office and he brings me the paperwork he knew I was in a rush and he asked me to go with another man who finalized the purchase. I could definitely see in this other mans face the guilt he felt when he asked me to initial and sign that contract. He knew I had to leave and all I got was the amount I had to pay monthly but no one ever disclosed the total amount of the car the interest or anything about my old car. I felt so pressured because the other men were already taking things from my old car to the new car and I had this appointment to go to so I signed that contract not knowing anything I had to ask which bank finance me because not even that information was given to me. I went back the next day telling them I could keep the car because its too much and Im a single mom and after reading the contract myself its not what I went for but the person who was there was very cold and didnt show any understanding. All he said was well just wait 3-4 months and then refinance and went on to tell me about his personal experience when he bought his house and later regretted it. I got six hard inquiries on my credit report. For an entire week I couldnt sleep or eat crying about this entire situation. About 15 days later I get a call from the financing bank to go over the payments and I told them if what happened and how if I was going to get that high of an interest rate they couldve given me the option of waiting until my credit was better for a better rate. He just asked which date would be good for me for my payments and hot that set up. Not even they went over any of the financing information with me. Im learning everything on my own. I got financed by Santander consumer USA.
|
| 09/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This a follow up response to Complaint ID # : XXXX This was literally a copy and paste response which means Santander Consumer USA Inc, refuses to accept accountability. Santander is CURRENTLY involved in a multi-state lawsuit and is owed millions of dollars in settlement to consumers. Why do you fail to see this was the entire basis of the lawsuit? Why are you still expecting to receive {$30000.00} for a {$14000.00} car? The interest rate was 26 %!! That is financial XXXX! You preyed on consumers who were in vulnerable positions and financially screwed them over for life! This is the basis of the lawsuit!
Excerpt from your response to my complaint ID # : XXXX " Santander Consumer USA Inc. establishes the contract rate based on factors including the down payment, vehicle value, the applicant 's credit worthiness and credit rating. We provide contract terms for the applicant which they can either accept or reject at the time of the application approval. We have confirmed that the APR on the Contract is within the allowable state limits. '' From the Office of the Attorney General press release.
" Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Santander also improperly underestimated risk by turning a blind eye to abusive practices by the dealers originating many of these loans and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. '' The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. Santander will waive a certain number of XXXX consumer loans for a collective value of approximately {$35.00} XXXX. In the event that Santander is able to buy back certain loans, additional XXXX loans totaling approximately {$27.00} XXXX could be waived.
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan.
Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts. Santander will also implement steps to monitor dealers who engage in unlawful practices such as income inflation, expense inflation, power booking, and Santander will enact additional documentation requirements for those dealers. Further, whereas Santander previously allowed these problematic dealers to waive documentation requirements on income and expenses, Santander no longer will allow such exceptions. If Santander has to use a default mortgage or rent payment value, the amount input must reasonably reflect the payment value for the geographic location. Finally, Santander will maintain policies and procedures for deferments, forbearances, modifications and other collection matters that all employees must follow. '' You argued THAT statement in court and still lost so what are you trying to convince me of? You are a disgrace to the financial sector and would like to be done with your company as soon as possible. I would like to know when you will be providing relief to customers from this lawsuit. That was the reason I reached out to the CFPB because you refused to acknowledge any of my letters sent to your company. You keep referring people to this website that does not have any up to date information or timeline. Based on the lawsuit, you should be providing relief to customers. If you are going to be offering relief in the future, why not do it now? I am not putting my life on hold for you after you financially XXXX me. Remove this alleged debt from my report! Expeditiously!
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I mailed XXXX XXXX XXXX as well as Santander the same letter : Upon carefully viewing my contract, I am highly offended that you, car salesman name, finance manager name, and dealership name and DBA, decided to lie to me to complete a transaction instead of being clear and conspicuous throughout the process. That is a violation of 15 USC 1601. I have found more things to be fraudulent in my contract.
I would first like to talk about the vehicle price. One cash price shows the vehicle purchase price for XXXX ; however, it also shows that price for the retail value of the vehicle as well. The cash price on the sticker of the vehicle shows XXXX. That is the only price I was made aware of during the buying process because there was no negotiation needed, only a test drive. The cash price listed on my bill of sale is XXXX, which is higher than what was discussed. Upon receipt of my Federal Truth-In-Lending Disclosure, the cash price shows XXXX. I am aware that price has interest added to it ; however, subtracting the interest would not put me at the price I was aware of during the buying process. When making my purchase, I was told that the price of my car is what is listed on the sticker, XXXX. My question to you what is the real price of my car really considering there are FOUR different cash prices listed? Raising or lowering the price without making it clear and conspicuous to my knowledge is illegal. It is fraudulent activity because I was not made aware of this notice. You changed the price FOUR separate times on my contract. Please refer to 15 USC 1611 in reference to fraudulent activity. That alone is enough to make my contract VOID, you be fined and/or have possible jail time ; however, I am going to continue telling you how you have lied and disrespected to me.
If you reference to 15 USC 1605, upon looking at the Federal Truth-In-Lending Disclosure of my contract, I notice that the finance charge on my contract is separate ; however, according to federal law, the finance charge is said to be determined as the sum of all charges. In addition to that, the finance charge does not include charges of a type payable in comparable to cash transaction. What that means is cash should have been excluded from my transaction ; however, it was not. I was lied to and told a down payment was mandatory, so I presented an amount of XXXX. It was not made clearly and conspicuously to me that a down payment was not needed. Again, that is important because it is in violation of 15 USC 1605. Also, in violation of 15 USC 1605, I was not offered insurance. Per my contract, it says N/A ; however, it was not made clear and conspicuous to me that insurance is supposed to be provided in the finance charge. Not offering me insurance is illegal.
According to 15 USC 1635, I had the right to rescind my contract by midnight on the third business day of me buying my vehicle ; however, you did not make it clear and conspicuous to me that I had that choice. Per my contract, it says no cooling off period ; however, per federal law, which is illegal. I have until midnight on the third business day to rescind ; however, you did not make that clear and conspicuous to me during the process.
Due to this being a manner of fraud, I have contacted the attorney general about this matter. 15 USC 1611 states that you are at criminal liability for willfully and knowingly violating my rights. You listed false information in my contract by changing the cash price numerous times. You verbally told me false information by making me pay a down payment. You also did not provide me with insurance as well as the right to rescind my contract. You charged me an extra finance charge when in actuality the finance charge is supposed to be the sum total of all charges. This matter can be resolved without any further legal action. Due to you lying to me and violating my rights to complete a sale, I would first like to rescind my contract. The next thing I would like to do is demand my down payment back in full for XXXX. In addition, I would like to demand double my finance charge. My finance charge is XXXXX and double that is XXXX. The total I am demanding to be paid to me is XXXX. In addition to receiving my down payment and double my finance charge, I am demanding that my title be released to me. 15 USC 1635 lets me know that I am in the right with my demands. An invoice has also been sent as well about where/how you can send payment. If this matter is not resolved within 20 days, I will then be moving forward to settle this matter in court, which will then result in you covering court costs, lawyer fees, and {$1000.00} per violation that has been placed on my credit report. I look forward to overseeing this matter in a civilized manner.
Thank You!
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I went to XXXX XXXX XXXX in XXXX GA XX/XX/XXXX. My car had broken down two days prior to this date, and they drove 5 plus miles to get me for the XXXX XXXX I had applied financing for online. When I got there, the car had just sold. I was offered a XXXX XXXX for a little cheaper price. After signing the monthly payments went from {$250.00} to {$320.00} because of credit. With a six year loan payment and with four years in at a 28 % interest rate from Santander Consumer USA, I have maybe paid {$400.00} in principle. Looking back at the time Im paying {$25000.00} for an {$11000.00} car with at the time a {$20000.00} annual income before taxes. I was originally told I could not get approved without a cosigner, and when I didnt have one, they said they would make it work. So fast forward a year and a half later to XX/XX/XXXX, I had paid my car payments via money order for the whole period of time of having my car. During XXXX payment nothing changed, I made my usual payment of {$320.00}. On XX/XX/XXXX I received a call that I was late on my payment, and that I needed to make a double payment ASAP. So I explained how I mailed a money order in weeks ago, and they said it was not posted and insisted I pay double. I immediately called XXXX XXXX and they told me it was cashed on XX/XX/XXXX. I would have to pay {$12.00} to find out more information, which I did. Weeks later I got a photocopy of an altered money order, which said Pay to the Order of XXXX. The back of the photocopied money order had a stamp of deposited from XXXX XXXX XXXX in XXXX XXXX, Texas. They werent allowed to release any information, other than it is an account with them. I called Santander back and spoke with a CSR who told me XXXX is one of their subsidiary companies. After that call, my number was automatically transferred to the Office of the President every time I called. They told me no one from their company would alter, change, or write on a check, and cash it. They told me someone from XXXX ( supermarket ) where I purchased the money order must have done it. This logic made no sense because how would someone from XXXX in XXXX, GA know about a subsidiary company of Santander in Texas, and then why would I then sends you that money order. They refused to take accountability and they could not find the check that was cashed. On XX/XX/XXXX I received a check from Santander which I still have to this day with my exact payment on it. When I called to ask what this was they told me they have no idea and there are no records of it anywhere and to just deposit it, and if it clears its all yours. Exact words of the rep! I refused to cash it and asked to speak to someone form the Presidents office. That night I spoke with a lady who told me to cash it or it will be applied digitally to my account. I refused to cash it and we went back and forth for weeks on XX/XX/XXXX I received a letter of repossession stating to pay on the XX/XX/XXXX. I refused and no repossession. They tried many scare tactics for me to cash this phantom check that could not be located anywhere in their system. This continued on for well over a year. On XX/XX/XXXX I sent a demand letter asking to be let out of my loan. One I have more tan paid the value of the car two ; its a federal offense to alter a payment of any kind. It reached someone high up who told me the same thing ; someone from XXXX must have done it. I replied how would anyone do this and even know about it. He then rebottled with sometimes the computers have companies saved, which is true. This was hand written ; he paused, and asked me to send him a copy. Which I did immediately, and after going back and forth for a few days he stated that I would have to go forward with legal matters because he was not letting me out of my loan. On XX/XX/XXXX, I called asking for interest rate and they told me I had an extension applied to my account in XX/XX/XXXX because of a late payment in XX/XX/XXXX. This was the payment stolen, altered, and cashed. and I didnt sign for an extension ( which is policy ) because why would I do that when I paid on time and someone from your company illegally forged and cashed my payment. I asked for a recording of that day in XXXX when I supposedly requested an extension they said okay, and it would take a week to 15 days. It is now XX/XX/XXXX and I am now being told well pulling recordings can take some time. Reading other complaints on different forums, and the class action lawsuit complaints, the altered check has happened to other customers as well as the lawsuit which was a win where Santander settled for XXXX XXXX dollars charging people high interest rates it knew customers couldnt afford. I have gone back and forth with them for two years.
|
| 12/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am filing this complaint because the auto loan issued by Santander for my XXXX XXXX XXXX has directly impacted me in ways that impacted the customers included in a {$550.00} XXXX multi-state settlement ( 34 states included ). In speaking with an individual at the Attorney General of Montana 's office in XXXX, I was advised that Montana did not participate in the settlement because their understanding was that not many Montana residents finance loans through the company.
In XXXX of XXXX, my previous auto loan through Santander was dismissed through my XXXX XXXX bankruptcy ; therefore, we have continued to pay Santander the {$650.00} payment each month in good faith with the new loan. The only exception to making each monthly payment since securing the loan in XX/XX/XXXX was the COVID forbearance that was offered between XX/XX/XXXX XX/XX/XXXX. We have made around XXXX payments at {$650.00} each, totaling around {$15000.00}, yet the payoff amount is still around $ 29k.
When I inquired with Santander about the similarities between this loan, the multi-state settlement and loan issue date of XX/XX/XXXX aligning with the settlement dates in XXXX, I was advised that Montana was not included, there was nothing further they could do, they do not refinance existing loans with a positive payment history, and they would be coming to repossess the car once we could no longer afford the payments. This led me to believe that they assumed the probability of default was high.
Ironically, there was another settlement in XXXX for Santander violating the Service Member Relief Act. Santander repossessed vehicles of XXXX soldiers without a court order. Mississippi did not join the multi-state consumer protection violation settlement, so they filed one of their own and Santander paid out {$3.00} XXXX. This lender is predatory.
The {$550.00} XXXX multi-state settlement resulted in the following actions that support my complaint : Santander is required to waive any loan balance for customers with the lowest quality loans who defaulted before XX/XX/XXXX and did not have their cars repossessed, up to a total value of {$45.00} XXXX in loan forgiveness Santander is required to test all loans that default in the future to see if the consumer had a negative income at the time that the loan was issued. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts The ways that the loan for the XXXX XXXX XXXX aligns with the settlement include : High fees/requirement of ancillary product The dealership advised us upon signing the loan documentation that that Santander required the purchase of a full warranty through XXXX XXXX as part of the loan, raising the loan and payment amount against the 21 % interest High loan-to-value ratio Due to the requirement of the warranty through XXXX XXXX and the 21 % interest, the loan-to-value ratio is too high to refinance the vehicle for a lower payment and interest rate to pay the balance down and sell. The purchase price was $ 27K, and the pay-off amount is now $ 29K, over XXXX years later after {$650.00} payments each month. I was pre-approved to refinance the vehicle at a 12 % interest rate through XXXX XXXX XXXX ; however, due to the loan-to-value amount, the loan was denied. The vehicle books for $ 18K, $ 11K less than the balance.
High payment-to-income ratio Due to the {$650.00} payment, and the fact that we can not refinance the vehicle because of the high-loan-to-value ratio, we can not afford the increase in the cost of living across the country. We were told by the dealership that we would be able to refinance the payment and interest rate after consistent positive payment history ; however, XXXX years later that is not the case. As part of Santanders settlement, they are required to identify and monitor dealers that engage in deceptive business practices. Now that we have a baby XXXX years later, in collaboration with the market, and inability to refinance or sell the vehicle, we are in a desperate state of financial crisis, even with both of us having full-time careers.
Due to the financial position that Santander has put our family in, I am hopeful that this complaint can help advocate for the few of us in Montana that fell victim to Santanders deceptive business practices and help us exercise our consumer protection rights. The situation has caused emotional strain in our family, contributed to our family being forced to sell our home and ultimately is ruining our lives.
|
| 09/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I fill out a credit application on XXXX & got approve.
Once approve I realize XXXX was advertising down payment.
I never once ask for a downpayment or ask to be advertise one.
XXXX is advertising down payment which is against The Truth In Lending Act & Violation.
Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Also asking for a down payment ( charge ) & monthly Charges is a Violation If The Truth In Lending Act & Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.
Service for vehicle also included with finance charge Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
My income and capital/surplus is not a factor is this Consumer Credit Transaction. The Truth In Lending Act Does Not Define Income I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!
This Is My Credit Being Extending To Me In My Behalf.
Im A Natural Person & Consumer With Rights Under The Truth In Lending Act Deny or Discriminate Against Me & My Rights will Be Against The Law Criminally & Civilly.
Finance charges sum of all charges including insurance denied me that right is violation of Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
My cash advance I will receive in return for finance charge will pay for the purchase of the vehicle.
Im coming as the ORIGINAL CREDITOR NATURAL PERSON & CONSUMER CREDIT IS MY RIGHT NOT PRIVILEGE Violated my rights is consider Discrimination I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.
15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.
Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection
|
| 09/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2021 I entered into XXXX XXXX XXXX XXXX to purchase a car. I gave XXXX XXXX my data elements ( SSN, address, place of work, income, etc ) to complete a credit application. The credit application was approved, but I never gave XXXX XXXX permission to approve or deny the credit application, I only gave them permission to extend credit to myself, but SANTANDER CONSUMER USA INC provided me with a " loan '' which is a deceptive form pursuant to 15 USC 1692j. At the time I signed this contract I was unaware of the fraudulent document ( s ) and because there is not a statue of limitation on fraud I am filing a complaint against SANTANDER CONSUMER USA Inc or XXXX XXXX XXXX XXXX because my consumer rights have been violated.
A contract is lawful when these four conditions are met : 1 ) full disclosure ( I was not told that I was actually creating the credit with my wet ink signature 2 ) Equal consideration ( SANTANDER CONSUMER USA brought nothing of value to the table so they have nothing to lose ) 3 ) The Lawful Terms and Conditions ( the terms and conditions provided to me were based on fraud ) 4 ) The wet ink signatures of both parties- there is no wet ink signature on the contract from XXXX XXXX XXXX XXXX or SANTANDER CONSUMER USA Inc.
Because a loan agreement is a contract and has to be full disclosure of all the details ( which there wasn't ), both sides have to put up something of equal worth ( which didn't happen ), and the contract has to be signed in wet ink by both parties ( which SANTANDER CONSUMER USA Inc can't do ), this contract is null and void.
I was sent a statement which is a violation under the Fair Debt Collections Practices Act ( FDCPA ). The following violations are as follows : 1 ) This statement says that the total amount due is 359.38. FDCPA Violations 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 2 ) The due date of XX/XX/XXXX. FDCPA Violation ( s ) : 15 USC 1692d ( 2 ) 3 ) Principal Balance of XXXX. FDCPA Violations : 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 4 ) Estimated Payoff of XXXX byXX/XX/XXXX. FDCPA Violations : 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 5 ) Pay by mail address. FDCPA violation : 15 USC 1692e ( 10 ) On XX/XX/2021 a representative from SANTANDER CONSUMER USA called me at XXXX and the call was 6 minutes and 21 seconds ( this call is a violation which is {$1000.00} per minute ). The representative verified that he was talking to myself and said " this is an attempt to collect a debt and that any information obtained will be used for that purpose '' although a company has to say this pursuant to 15 USC 1692e ( 11 ), they also can't say that a consumer owes a debt pursuant to 15 USC 1692b ( 2 ). The representative continued his speech and said that the payment was a couple of days past due and asked how I would like to take care of the past due balance, this is a violation pursuant to 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ). I asked for the payoff amount of address and the representative said the payoff amount of XXXX and provided me with the address. The representative also asked me to verify my information they had on file and because I was in the middle of work I told them the information they had on file has not changed and I hung up. This phone call was a violation pursuant to 15 USC 1692d ( 2 ) as all words spoken by the representative were the use of obscene or profane language or language that natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 USC 1692c ( 1 ) " at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location '', this law says " a debt collector shall assume '' well it is never a convenient time to contact me about a debt that I do not owe.
Pursuant to 18 USC 8 I defer this amount of XXXX to the United States since it is their obligation, so if you need to collect any amount from any person that is who you need direct further communication about a debt to as it relates to XXXX XXXX.
I, XXXX XXXX, am a consumer who does not owe the debt in the amount financed of XXXX and because of the reasons stated above, I am demanding this amount to be XXXX and any liens to be removed and the title to be released to me for true ownership to this vehicle.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 usc 6802 ( A ) except as otherwise provided in this sub captor, a financial institution may not, directly or through any affiliate, this close to a non-affiliated third-party any non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with in section 6803 of this title.
My loan through my car is held through Santander Bank. Santander Bank has disclosed my information to data XXXX accounts such as XXXX, XXXX, XXXX XXXX. Without my consent. As stated in the law they are not able to disclose nonpublic personal information. They have reported this loan with negative late payments against my social security card and number which is non-public personal information to a non-affiliated third-party Data furnishers and credit bureaus are not an affiliate. An affiliate is the parent company and any other sister companies as an extension from that branch of the company.
( B ) Opt out- ( 1 ) a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, and writing or in electronic form or other form permitted by the regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third-party ; ( I have never received any such documentation from Santander ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third-party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non-disclosure option ( Santander Bank has not contacted me for any late payments or negative comments listed on my profile prior to posting them. They have also never disclosed any information about the ability to opt out of having such an information shared with data furnishers or the credit bureaus.
*Aside from the USC code listed above Santander is also not in compliance with the way that they are disclosing their information to the credit bureaus/data furnishers . Example is listed in the pictures. * Santander has the account listed on my credit profile as a count number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is non-compliant due to the fact that the laws say that the reporter can not disclose an account number with more than for redacted values in an alleged truncated account number. Mathematically, each lesser redacted value generates XXXX old likelihood be reported claim of this account is potentially related to unknown and or fraudulent events. This is because for redacted values have a possibility of being XXXX of XXXX possible variations ( XXXX ). Similarly, the 3- redacted truncation has potentially only XXXX variations ( XXXX ). Even more worrisome is the fact that two redacted truncation has potentially only XXXX variations. Scarily, if only one redacted truncation there is but XXXX mathematical variations possible and worst of all, if no redacted truncation or XXXX redacted account number is reported and potential identity theft perpetrator and or fraudsters would be essentially handed my exact account number lending obvious injury has abilities to said wrongdoers. Any such truncation that is deviant from the requisite of only and exactly for redacted values in all account truncations, certainly jeopardizes the Integrity of the reporting claim ( s ).
Also other incorrect forward/ erroneous / improperly reported information is such as account type, number of months, credit limit, past due, payment status, date last active, date of last payment In fact, per XXXX written CRRG 3-4 States, " any deviation from the standards jeopardizes the Integrity of the data '' Point being unless the reported account number and all aspects of its reporting including each any and all data points has its information actually confirmed and documented to be it and only if, there can be no true certainty of a claims nor claimers absolute satisfying of the minimum requirements of lawful reporting much less that of the mentally utilized XXXX XXXX format compliance, therefore the report ability of any such claims reporter is and should be contested and challenged made for the XXXX to prove indisputable and certifiably compliant each any and all of the claims and each any and all aspects of said claims. It is obvious the unjust significant injuries nature of each any and all of these claims as report to my person, character, emotional well-being, and financial reputation let alone might otherwise fear credit worthiness, illegally so might I add
|
| 02/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX I created a modification with Santander for a loan and agreed to make payments on the Auto loan under a modified agreement.
XX/XX/XXXX I filed for bankruptcy I learned before I filed for bankruptcy Santander charged off the loan as they claimed 120 days passed due, and breach the agreement by charging off the loan XXXX Santander returns and files a claim in bankruptcy. Asking for a certain amount of monies.
Santander returned and withdrew the amount requested.
The trustee took payments every month for Santander.
The bankruptcy was not confirmed as there was no need for a bankruptcy and it was dismissed with the Judge adjudicating the account given all creditors 14 days to dispute the adjudication Santander never responded The trustee sent payments to all creditors who were to receive payments.
Santander was not suppose to accept a payment as they had already charged off the debt and no longer had a contract I sent XXXX letters to Santander regarding the Debt the first letter covered I never received a right to Cure default in XXXX, or that they acceleration the contract, It was not sent to the attorney the attorney only received there request to file a claim on a breach accelerated contract I contacted Santander after the Bankruptcy as the trustee sent them payments for the months I was in Bankruptcy as the trustee did not know they accelerated the contract.
After speaking with the trustee I was informed they are to return the monies. I spoke to Santander and explained you return money. They refused. I explain you can not have both the money and the car You must return the money and you can have the car if you return the money. Santander put a cease and desist in place XX/XX/XXXX is when I last spoke to them explaining we know longer have a contract see letter.
Santander did not reach out to me any longer, I did not receive the money back nor did they pick up the car.
After 2 years Santander still did not return the money, but they repossessed the car on XX/XX/XXXX illegally and it is theft as I no longer have a lien with Santander.
I learned there were many lawsuit for subprime loans and realize I was XXXX of the parties who has a subprime loan and was never contacted about the law suit or any arrangement for consumer that had these subprime loans I was in contact with Santander XX/XX/XXXX contacted them explain the debt collection laws and the state of Texas laws to Santander. I was told my loan was escalated as they had never seen anything like this 2 years to pick up an automobile, I spoke with A gentleman on XX/XX/XXXX he was so surprise he stated I will have to send you too the executive offices I received a call from a female a few days later that said she would need at lease 5 days to invest gate given the time frame XX/XX/XXXX.
I received a phone call from a XXXX who informed me he would be handling my account on XX/XX/XXXX. XXXX stated he would ned the letter I sent to the Executive offices. He also informed me it would take XXXX hours to hear back which would have been XX/XX/XXXX.
I did not hear back on XX/XX/XXXX. I was a little concern that it was taken too long for them to answer why they repossessed my auto after 2 years on a contract they breach and took money after the breach then came and took the car XXXX did return the call and assured me he was working the case. He informed me he had a meeting schedule to speak about my case on XX/XX/XXXX and would given me a call back before close of day I did not hear back on XX/XX/XXXX I sent that I believe they are using a delay technique I sent a letter to them explaining I want to know where my Car is located as this is theft as in Texas they must have a valid lien to repossess a car. The lien is no longer in effect after they charged it off, and breach the contract. I explained I would be calling the police to report theft if they do not fix this issue.
I also explained I never received a cure letter. I do not have an address of where my car is. I also explained I do not have a lien with these people any longer. It does not take 2 years to pick up a car. You took the money and created a settlement. I received my credit report they are not even on the report as the loan is a subprime loan and illegal. I explained you not even listed as a creditor. I asked for the car and the title and damages as it they have caused a financial hardship.
I also asked that they tell me where I can pick up my car. I demand they do not sell my car as the letter stated the car would be auction off on XX/XX/XXXX that is illegal as we no longer have a contract and it is voided as they were sued by many attorney generals. I want my car, title and damages.
|
| 10/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Buying a car is one of the most important purchases a person makes in their life and companies involved in any transaction need to be as transparent as possible, even when acting as an indirect auto lender. Santander Consumer USA Inc. An Illinois corporation with its principal place of business in XXXX XXXX XXXX Texas ( Santander ) In the course of trade or commerce, appear to have created a continual pattern of engaging in acts and abusive practices declared unlawful under the FDCPA. No one ever told me I had the ability to dispute a debt. I just recently became aware of my rights as a consumer ; therefore, my alleged consent to any contract if ever given was obtained through misrepresentation. This complaint shall serve as a dispute to any and all alleged debt. At this point as of XXXX XXXX, Santander has now unlawfully taken possession of my vehicle. A XXXX XXXX XXXX XXXX purchased for personal, family, and household purposes from XXXX XXXX XXXX of XXXX Florida on XXXX XXXX. This conduct has disturbed the peace within my household as this theft occurred while I was on a family trip in XXXX Georgia with my four dependents in tow. All location information associated and concerning my vehicle is for the state of Florida might I add. In turn while on this trip I have been a victim of identity theft and my bank account completely secured until I am able to make it into a local branch, I have a Florida based bank. So currently still as of today XXXX XXXX, myself along with my four dependents are stranded in the state of Georgia with no access to funds and no means of transportation to get back to our dwelling.
It is my understanding that I partake in an open-end consumer credit transaction. I the consumer obtained an extension of my credit from Santander under the false pretense that I was acquiring a vehicle that I would eventually own. Santander as an indirect auto lender did not at any point provide adequate notice and the law clearly states within five days after the initial communication ( XXXX of XXXX ) to send the consumer a written notice. I have only received phone calls from Santander never any written notice. I logged on to the Santander Consumer USA website to retrieve the account number associated with the alleged debt to find the wrong address on the profile. I was evicted from the currently associated address on XXXX XXXX and was most certain not to use it for this reason. Santanders aggressive conduct has harmed me and my entire family.
I have not had any contact or communication from Santander Since XXXX XXXX when a voicemail was left on my cell phone. This is after multiple calls a day every single day for at least 2 months. I have no clue as to where my personal property that Santander has unlawfully taken possession of, such as but not limited to, my plate, that was on the vehicle ( credit card per 15 USC 1602 ( l ) ), along with personal and business items located inside the vehicle. Santander a covered person under 12 U.S.C. 5481 ( 6 ) has in fact caused me financial detriments and violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer information to CRAs that it knew or reasonably should have known was inaccurate and without my direct consent. As though this wasn't enough, let 's add the theft of my vehicle causing the displacement of my ENTIRE FAMILY along with loss of income. Can you say immeasurable mental distress for myself and my children ; all with no ability for me to even use my legally mandated remedies ( I was never given adequate disclosure ) ; this is insane. They're sticking to the plan to criminally extort monies from consumers that are not owed, with no ability to challenge the alleged. I traded in my old vehicle along with additional cash for a down payment in this open-end consumer credit transaction to be left with nothing. What equal consideration has Santander brought to the table in exchange for all that I have lost? They're untouchable ; the most unfriendly, torturous people in business. Behavior like this is predatory, harassing, oppressive, abusive and harmful and will not be tolerated.
The conduct described in the preceding paragraphs of this complaint constitutes deception, identity theft, unfair acts or practices, fraud, false pretense, false promises, misrepresentations, or concealment, suppression or omission of material facts with intent that others rely on such concealment, suppression or omission, in connection with the sale or advertisement of merchandise. While engaging in the acts and practices alleged in this complaint, Santander knew or should have known that its conduct was of the nature prohibited by FCRA as well as the FDCPA.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
There are multiple continuous issues regarding my auto loan account with Santander Consumer USA. Ive contacted Customer Service multiple times regarding my payments not being properly credited and/or updated on my account which brought several additional matters to light without explanation.
To date, my account shows as PAST DUE with a total of {$680.00}. This total amount represents a {$340.00} payment for both ( XX/XX/XXXX ) XXXX and ( XX/XX/XXXX ) XXXX. However, MY ACCOUNT HAS REMAINED 1 to 2-MONTHS AHEAD, I PAID {$400.00} ON XX/XX/XXXX TO WHICH INCLUDED MY PAYMENT DUE XX/XX/XXXX. I had to call Santander XX/XX/XXXX and earlier this year ( also in XXXX and XXXX ) for correction of the same issue and refuse to keep debating the known fact that my loan account is ahead, not behind. Santanders intent has remained to cause duplicate payments, excessive interest, and/or an unjustifiable delinquency just as now- no payment was/is owed or due until XX/XX/XXXX.
My contact with Santander always fails to generate logical explanations regarding my account, amounts alleged as past due, owed, or required to pay off my loan. The online message I sent Santander on XX/XX/XXXX didn't prompt correction on or simple review of my account before XXXX billing statement was generated as I thought it would. As neither occurred, it seems Santander figured I'd just keep paying alleged as past due payments or else provide substantial proof that removes their ability to claim the repeated account issues as system errors.
Santanders allegation of a Past Due Amount that keeps resurfacing and daily Amount Due shown 365-days/yr for my online account are either fraudulent or actually of my 3 deferred payments. Conversely, these deferred payments extended my loan term ( i.e., maturity date ) to XX/XX/XXXX, and Santander 's accumulating a baseless surplus of interest for the same 3 payments on the end of my loan which do in fact represent unfair and deceptive business practices. I havent received certain statements as with XX/XX/XXXX, yet XXXX statement DATED XX/XX/XXXX subsequently arrived a week late and again Santander now suddenly alleges a {$340.00} Past Due Amount.
While a {$680.00} Total Amount is listed on the statement as the alleged Past Due Amount PLUS XXXX 's payment, it's strangely DUE BY XX/XX/XXXX NOT XXXX XX/XX/XXXX. If my account has not been altered, Why and How would my XX/XX/XXXX Current Bill for XXXX be due XXXX the MONTH PRIOR to the bill instead of XXXX the Current Month 's Payment Due Date. In the same, ( my first through last payment ) XXXX is 40-Months and XX/XX/XXXX made 39 payments Ive paid, yet ONLY 37 Payments of the 40-Months were DUE which verifies my account 's OVERPAID. This also proves theres been no reason for the monthly emails Santander keeps sending claiming to be unable to reach me stating of trying to contact me by phone.
The fictious emails only started upon my XX/XX/XXXX advanced payment as my phone number changed XXXX a year ago now. This also substantiates Santander 's deceptive actions as their emails weren't relevant to anything other than preparing to portray my loan as delinquent hence now the Past Due appearance of my account. Santander has willfully created undue payments, excessive interest, undue distress, and financial hardship in my consistent efforts to minimize charges, interest, and fees- thus pay off my loan.
In efforts to deter creation of any issues, I never informed Santander that I lost my job 2yrs ago due to XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX thats caused XXXX XXXX XXXX. Ive suffered several life changing events since that time including loss of my home by fraudulent means and Identity Theft that became extensive XX/XX/XXXX. I still however managed to remain current/ahead on my account throughout it all. Even while Covid-19 has wreaked havoc on remaining household income, I struggle to remain ahead despite Santander unreasonably displaying a continuous {$340.00} Current Amount Due daily.
Santanders withheld, cant and/or refuses to provide specific accounting of my loan and the results of previously alleged corrections still remains unknown. Ive not paid XXXX payment on account of Santanders consistent practices, as they shouldnt constantly need to be told their actions are unjustly incorrect. Even to date, Santander states my " Payoff Amount '' basically equals to my Loan 's Initial {$24000.00} Balance as if a " 3yr Early Payoff '' doesn't reduce the balance by removing the remaining 3yr charges of the loan 's term.
PLEASE SEE THE ATTACHED EMAIL AND LETTER SENT FOR FURTHER SPECIFIC DETAILS. Screen shots, billing statements, and account printouts are also available if needed.
|
| 10/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I am XXXX XXXX and submitting this complaint myself and there is no third party involved.
I am referencing the consumer credit transaction pursuant to 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 within this complaint.
The consumer credit transaction took place earlier this year. The transaction resulted in a credit sale from a purchase money loan given by the creditor/seller.
After reviewing the contract, I exercised my consumer right to rescind within 72 hours with attached notarial seal. Not to mention, I recognized the following : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
The above notice is pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
The retail installment sale contract is a consumer credit contract ; therefore, I have the right to all claims and defenses being that this contract involved unfair, deceptive acts, and practices.
Although, I exercised my right to cease collection activity through all mediums while this account is being investigated, Santander Consumer USA made an attempt to seize the property. A person making an attempt to seize a consumer property is a violation of 15 U.S. Code 1692e.
15 U.S. Code 1692e ( 4 ) ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Not to mention, Santander Consumer USA also made a threat of use of violence to harm me physically as well as my reputation, and my property. Throughout this experience with the reference person, the use of obscene and profane language was through mediums. As a consumer, I have witnessed Santander Consumer USA harass and abuse me through abusive debt collection practices to make a payment on the debt. My credit report is reflecting a negative mark from the person who has assumed a position with collecting an alleged debt.
Pursuant to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
All in all, this was an consumer credit transaction and my credit card was used along with my signature that allowed Santander to collect the finance charge plus other fees from the Federal Reserve in return to give me purchase money loan yet no proceeds were given from the consumer credit contract to me as the consumer. Therefore, I am demanding Santander Consumer USA to adhere pursuant to 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I visited XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX after receiving a call from XXXX, a salesman with XXXX XXXX XXXX, he verbally assured me with great confidence he could get me financed with no money down. I went to lot on XXXX XXXX, XXXX. I was first customer to arrive at XXXX. XXXX arrived around XXXX, and directed me to 2 vehicles I could possibly get with financing. A XXXX XXXX, and a XXXX XXXX XXXX. Neither vehicle had any pricing on vehicle as required by law, and I asked about the XXXX. After test drive I asked if he could check financing on that vehicle. I was fairly desperate for a car, and he knew that because I stated it several times. At no point in the next 8 hours was I informed of price, financing etc, as he helped many other customers with sales of new XXXX vehicles. I had no discussion on price because I was not confident I would get a loan. Approximately 9 hours into visit is when he came with an offer of $ XXXX month, and a strange system of showing a down payment. I stated I could not pay that much, and he disappeared again for 30 mins. He brought down a slip of paper that was hand written showing price of {$19000.00}, plus all the fees etc. Payment of $ XXXX month which I agreed to and he went to get financing. He never asked for income verification and stated he would use " what I had used for last vehicle financing several years earlier at different location. When he returned he stated the need for a down payment and said that the dealer would carry an promissory note for {$1600.00}, and asked if I could come up with any more. I again stated no. A few minutes went past and he returned stating he received approval from Santander Consumer USA for the loan. I asked about the financing and down payment and he said finance department was working on paperwork. He stated that the down payment would show as {$3200.00}, I questioned it and he stated something to the fact that the bank had agreed to carry some down payment. I did not understand what that meant. Upon meeting with the Finance gentleman to sign documents, I saw that the price for vehicle was now {$20000.00}, financed would cost {$38000.00} over 72 months, but Finance manager stated " after 1 year of payments you can refinance payments down to {$240.00} or less. I signed all documents and questioned GAP insurance at {$900.00}, finance stated that was required for this loan. I finished signing and finally left dealership after 10 or more hours with vehicle. Prior to leaving I had to provide proof of full coverage, I borrowed money from my friend whom was present for much of the discussions, and finally left. Upon further research I found the vehicle was previously a rental car from XXXX, which was not disclosed, vehicle was sold to lot for {$14000.00} in a auction, and at time of purchase highest XXXX XXXX price on that base model should have been {$16000.00}, which stated {$1200.00} deduction is for it previously being a rental. I searched over the loan contract and asked consulted an attorney and was told what the dealer did was take the other {$1600.00} for the down payment and dropped it on top of the loan from Santander, at 23 % interest. After 6 months during this CoronaVirus I decided to file a Complaint with WA Attorney General Office. Both parties denied any wrong doings and sent it back to WA XXXX. It was then I discovered the Settlement by Santander Consumer for XXXX states and XXXX XXXX dollars. After much research I determined everything that transpired on this loan was exactly why they were sued, but my loan was written 4 days after dates published to be included. I had paid the dealer {$400.00} towards the down payment they carried, and stopped once I realized the fraudulent down payment, and no verification of income or residency, or ability to pay. I made a Gross income of {$21000.00} in XXXX, and with living expenses and loan, and bills, insurance etc I would be in a negative debt to income ratio of about 150 %. This was never considered or discussed at dealer and they should have never extended financing and the only way they were able to is fraudulently. I have at least three witnesses that are willing to prepare sworn statements about me stating many times that I did not have any money down, the Santander settlement confirmed my belief that I was dealt with fraudulently and against the laws of USA for Predatory Lending.
After further investigation I have found that XXXX XXXX XXXX has another company called XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX this name appears on certain documents of transaction, but I was purchasing from XXXX XXXX XXXX, and never told anything but that.
|
| 03/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
The full narrative and supporting documentation are in the document attached to the complaint.
The short version is that my auto loan and it's servicing was sold from Gateway One Loan and Finance ( " Gateway '' to Santander Consumer USA which was a surprise given that I had made 69 of 75 payments in a timely fashion and was current in the loan which would not ordinarily be a candidate for being sold.
I received the required combined notice from Gateway and Santander on XX/XX/2020 even though the letter itself was dated XX/XX/2020 with the transfer effective date being XX/XX/2020.
The notice failed to be provided by Gateway and Santander 15 days ahead of the effective date which is customary for combined loan transfer notifications. The CFPB auto loan examiner 's manual notes that their examiners must enquire of examined companies whether they provided timely and useful information in the event of a loan transfer. The fifteen days requirement is mentioned in 12 CFR 1024.33 in RESPA/Regulation X, whilst written for mortgages, a mortgage is generally a closed-end loan like most auto loans and should still be considered relevant vis-a-vis the intention of Congress and the CFPB regulators governing notification to consumers of a closed-ended loan servicing sale/transfer.
Compounding this error was the fact that the information contained within concerning the current balance remaining on the loan as well as the due date of the next expected payment being prior to the date of the notification letter itself.
I tried contacting Gateway on XX/XX/2020 to ascertain their side of the story but over the course of five phone calls, the first two to Gateway 's numbers automatically redirected to Santander as we were already past the effective date and no option to speak to a human was provided. The next three were to various people in the loan department of their parent company XXXX XXXX XXXX, one of whom was rude and unhelpful beyond belief but apparently was the only person out of six I talked with who knew that XXXX had sold their entire auto loan portfolio to Santander on XX/XX/2019. None of the Gateway statements covering this period ever mentioned that a chance in servicer was forthcoming.
I then spent four hours using the transaction data transferred to Santander to make sure the accounting was correct as to my current balance.
When I finally called Santander later in the evening on XX/XX/2020 to ask why the notice was so late in getting to me and mentioning that they were in a potentially actionable legal position, the first person I talked to was so rude and condescending that I bypassed her ( over her many objections ) to a supervisor. XXXX was more pleasant but more than a little bit obtuse and took the position that as long as the account transferred correctly, there was no harm nor any foul. She refused to accept that providing the notice very late in the process and against Federal regulations ( which is likely illegal on their part ) almost to the point of my automatic payment unintentionlly going to what would be the wrong servicing company and the factually incorrect information in the notice requiring me to spend valuable time verifying something their letter said should be " seamless '' did in fact harm the consumer. Her expectation was that the I was to follow the letter of the law and the contract even if Santander chose to violate the law on their part which is an utterly insane position for her to take.
It also introduces grave doubts that clearing the lien and providing my clean vehicle title when the loan matures in six months will be any less of a complete farce that their transfer of servicing has been. XXXX tried to assure me otherwise but having been through a botched transfer before where my title was actually lost and then the servicer wanted more money to get a replacement to clear the lien until I told them I'd send the Sheriff round to lock them up for grand theft auto ... considering Santander royally XXXX up the easiest part of the process, I don't really have any faith or trust in anything they say or do.
XXXX decided to kick the problem to her " higher management '' as she was unable to " resolve my request '' ( which I hadn't really made any request of her ... I was waiting for her to show even a modicum of concern and offer a way to try to repair the relationship they had already destroyed on first contact! ) and supposedly they'd contact me. I didn't have any faith that her " higher management '' would prove any more useful or competent than Santander had already shown themselves to be and said as much and finally rang off in complete frustration.
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
I am submitting this matter as a new complaint because my original complaint was closed after XXXX submitted a response without clearly identifying their fault regarding the wrongful repossession of my XXXX XXXX XXXX XXXX. The original CFPB Case number is XXXX In its recent response ( attached ), XXXX states : >> '' The Check was received on XX/XX/XXXX, and we subsequently released our interest on the title to the Vehicle on XX/XX/XXXX. The Check was not processed by our bank and on XX/XX/XXXX, it was sent back to XXXX XXXX '' .<< This language is very misleading and dishonest. XXXX is intentionally using vague language to cover its XXXX by cleverly stating " the check was not processed by our bank ''. Checks aren't simply " not processed ''. When a cashiers check is not processed, someone is to blame. In this case it is clearly XXXXXXXX XXXX fault.
For many weeks they have been telling me " the check was returned ''. Saying a check was returned implies wrongdoing by the customer- usually meaning a bad check. XXXX is now trying to avoid admitting wrongdoing by using vague language.
Today I found out that the cashiers check was not processed by XXXX XXXX bank because XXXX failed to endorse the check properly when they deposited it. Endorsing a check for deposit is a most basic function in the banking industry and XXXX should have known better. The cashiers check was returned to XXXX because of its own fault. The check was NOT returned to XXXX XXXX but to XXXX. Everyone knows that when a check is returned, it is not returned to the issuer- it is returned to the payee. All they had to do was properly endorse the check and re-deposit it. I have no idea where the check is now, but it is not at XXXX XXXX and the funds have not been in my account for many months.
XXXX intentionally fails to state who or why the check was returned as they are trying to cover up the fact that this was all caused by their failure to implement basic industry standards. Instead, they waited eight months and simply took my car.
On the day after the repossession of my vehicle, I called XXXX and spoke to agent " XXXX '' badge number XXXX. On a recorded line, he stated that my car had been repossessed because the check had been returned for " Non-Sufficient Funds ''. This is false and, again, XXXX is demonstrating extreme XXXX
In order to justify their error they attempted to blame me for having written a bad check. This is really outrageous! At no time did anyone at XXXX have any evidence to support that a CASHIERS CHECK was returned for Non-Sufficient Funds ''. I sent a cashiers check willingly and of my own decision- not because XXXX required it. Cashiers checks are rarely, if ever, returned NSF. I did not pay with a personal check. The money has not been in my account since XX/XX/XXXX and XXXX took action against me and denied me possession of my car.
XXXX also states : >>Thereafter, it appears a repossession attempt was made on your Vehicle ( which possession of the Vehicle was immediately returned to you, and you currently have possession of the Vehicle ) .<< This is another false and misleading statement in a blatant effort to downplay what XXXX did. XXXX did not " apparently attempt a repossession on my my vehicle ''. XXXX ordered a repossession of my car, eight months after I paid it off entirely. They entered the parking garage at my workplace by opening a gate to gain access and a full repossession took place.
XXXX did NOT immediately return the vehicle to me. Instead, I was forced to go to the XXXX XXXX XXXXXXXX Police Department that very afternoon with a copy of the vehicle title in hand. The investigating XXXX called the repossession agent and explained the situation on the phone. After a phone call back to both myself and the police officer, the repo agent stated that XXXX refused to authorize releasing the vehicle to me.
The next day I received a phone call from a XXXX agent asking me to give her the mileage on the car because they needed that in order to request a new certificate of title because they would be liquidating the car at an upcoming sale. I hung up the phone.
Consequently, I frantically contacted the repo agent again and provided proof of the title with the release of lien and he delivered the car back to me AT MY REQUEST. XXXX did NOTHING to make this situation right.
Currently, XXXX is alleging that they still have not received the funds. This means that I am possibly at risk of having my credit report negatively impacted. Given the absolute XXXX I have witnessed from XXXX, I am truly concerned about how much more damage they may yet still cause against me.
|
| 05/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Ever since I learned about the class action lawsuit against Santander Consumer USA I havent been able to get any information from Santander. Every representative I talked to treated the class action lawsuit as a states secret. Time and time again Santander representatives told me the only thing they could do was refer me to the settlement page, https : //santandermultistateagsettlement.com/Information-for-Consumers. According to Santander representatives, this page would tell me everything I needed to know.
I read the information on the above website from top to bottom. I learned that I purchased my vehicle during the exact time frame of Santander 's nefarious activity. This information only explained there was a lawsuit resolution and criteria but gave no other information a consumer could act upon. The company listed is XXXX XXXX XXXX XXXX, so on XX/XX/2021 I gave them a call. I learned from a XXXX XXXX representative that they were merely the company that distributed the funds and that was it. They knew nothing of my account or formula Santander used to determine consumer eligibility.
The multiple Santander representatives I talked to all gave me knowingly false information. All I wanted to know was if my account qualified and if not, why. I asked on numerous occasions for my internal score they used to XXXX on my ability to repay my loan but either the representatives didnt know, couldnt tell me or stated they didnt have to tell me. Heres a list of the times I called and talked to a Santander Representative : XX/XX/2021 @ XXXX for 2 mins 14 secs XX/XX/2021 @ XXXX for 1 min 37 secs XX/XX/2021 @ XXXX for 7 mins 12 secs XX/XX/2021 @ XXXX for 25 mins 33 secs XX/XX/2021 @ XXXX for 1 min XXXX secs XX/XX/2021 @ XXXX for 1 min 38 secs XX/XX/2021 @ XXXX for 53 mins 26 secs XX/XX/2021 @ XXXX for 4 mins 55 secs XXXX XXXX, XXXX @ XXXX for 39 mins 5 secs XXXXr XXXX, XXXX @ XXXX for 24 mins 21 secs XXXXr XXXX, XXXX1 @ XXXX for 10 mins 19 secs During every call I was told the EXACT same thing each which was : Santander doesnt decide whos eligible, the contact on the settlement agreement would be able to answer my questions - basically they were uninvolved and were so sorry they couldnt help me. I felt I had no recourse even though I knew they were lying to me. Asking for my internal score fell on deaf ears. I finally told the Santander representative that despite them telling me XXXX XXXX or Virginias Attorney General knew all of my account information and made decisions based on whos eligible under the settlement that I know for a fact they werent telling me the truth. I told them I know they, Santander, were the ones who determined which consumers were eligible and no one else and they were the only ones privy to consumers internal scores and they needed to stop referring me elsewhere.
I finally demanded that I had to know what was in my account record and wanted to talk to someone who could help me. I was finally given additional information on XX/XX/2021. I was told to write to the following address, Santander Consumer USA, Credit Bureau Dispute, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was to write a letter explaining my concerns, request my internal score and loss forecasting score.
After writing the letter to Santanders Credit Bureau Dispute office, I received a letter titled Notice of Right To Cure Default and Requirement of Strict Compliance dated XX/XX/2021. I actually called Santander about it because Id not received a letter like this from Santander before. During previous conversations Id been told by Santander representatives that Im in no danger of having my vehicle repossessed as long as I do not exceed 90 overdue. I was not over 90 days overdue when they sent me this letter.
On XX/XX/2021 @ XXXX I talked to a Santander representative from the credit dispute office. They denied everything I requested. I truly felt defeated. Filing this complaint is my only way to find out the truth and gain transparency.
I'm sure Santander will boast of how they've allowed the skipping of payments to give 'some ' financial relief. In reality all Santander has done is give consumers a very small reprieve in the short term - not asking when they think their financial situation will change. On top of that, consumers will possibly end up in the same financial situation the following month. I used this 'relief ' twice to clear up back payments. I felt horrible afterwards because as I talked to a Santander representative I mentioned I'd taken advantage of it twice, she argued with me and told me I did the process seven times. It was irrelevant I had the two emails with the contracts.
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I started considering getting a new car in XX/XX/XXXX/XX/XX/XXXX. When dealerships started considering my credit to see how much I owed on my trade in they reported that they could not find my loan. I called Santander Consumer USA and let them know that dealerships were having issues finding the loan.
In XX/XX/XXXXI was finally able to trade in the car, pay off the loan, and get a new vehicle even though they still couldn't find the loan on my credit report. I ordered credit reports and realized that while XXXX was reporting the loan XXXX and XXXX were not. Because I live in Florida, dealerships primarily use XXXX, which is why the loan wasn't showing up.
My credit score is over 40 points higher on XXXX than on the other reporting agencies, and market research shows that interest rates are determined in 20 point intervals so this could have a pretty significant impact on my interest rate. I can't get my car refinanced until my reports accurately reflect my 5 years of payments with Santander.
When I called Santander, they told me that the issue was possibly with my last name. They said it would take around a month to reflect on my credit reporting. I waited and saw no changes so I called again. They said the issue was with the credit reporting agencies. So, I called both XXXX and XXXX to open a dispute. Unfortunately, they both said that to dispute something on my credit report it had to be on my credit report. And since my issue is that my loan is not showing up on my credit reports, and they had no information from Santander, that I needed to take up the issue with them.
I called Santander and gave them this information. I had been dealing with the office of the president, but at that point started working directly with their credit reporting department. I started working with XXXX, a supervisor in the credit reporting department. With her permission I gave her number to a supervisor over at XXXX. They said that they would work on it. XXXX was the only person at Santander that ever gave me a call. Up until that point I was the one always making calls.
Unfortunately, a few months went by and still nothing had changed so I decided to call again. I was told that XXXX was no longer employed there which was extremely disappointing. I was told I would be called by a different supervisor which never happened.
I gave it a few weeks and called again. When I called the number to the credit reporting department I got a bunch of weird prompts instead of the normal prompts. I hung up, called the office of the president and was informed that the credit reporting department no longer took calls. I found this to be incredibly suspicious. I informed them I had been dealing with this issue since XX/XX/XXXX and that I was considering taking legal action. They opened a new complaint. This was XX/XX/XXXX. I was told I was going to get a call back but this wasnt the case. I called every weekday for the next two weeks and was continually told there was no additional information.
I called XXXX again and spoke to the same supervisor who had been working with XXXX. I asked if he could get anywhere with her as she was no longer there. He said that he gave her info but that Santander never provided the information for them to put on my credit report. I informed him I was considering legal action and was encouraged to move forward. That XXXX would be more than willing to have their records department subpoenaed to prove that they had received nothing from Santander.
I called Santander back with this information but continued to be told that nothing had been updated. Finally, on Friday, XX/XX/XXXX, I was called by the VP of consumer relations and told that they had done everything in their power to report the loan but that agencies were refusing to update my file. I again told him that both XXXX and XXXX denied this was the case, and that XXXX had even encouraged me to move forward with legal action that they would be willing to provide documentation from their records department. Santander continued to stick to their story that its not their fault. So here I am, 6 months later with worse credit than I should have, with a higher interest rate than I should have, and with no one willing to accept responsibility for this problem. I dont make a ton of money and as such it would be very hard for me to pay for a lawyer to take on one of the biggest banks and two of the biggest reporting agencies in the world. I served 5 years in the military, including 12 months in XXXX and 15 in XXXX. I didnt expect that this would be the kind of thing I could expect when I got home.
|
| 09/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I currently have a open account with Santander Consumer on my car. This was my first car and at that time I was in need of a new car and thought that a first car loan would be some how similar to first home owner loan. I was looking forward to partner with a company that had my best interest at heart. Getting in to this loan with Santander at some points showed otherwise. I always believed that the loan was not a good loan but I did not know how i would be able to prove this. After seeing the lawsuit that this company currently has I felt better that I wasn't the only one. Throughout my time in this loan there were times that i just could not afford making my payment and Santander provided assistance ( may be twice ). There how has been more times in which i reached out to this company to request assistance with my payments, not so much saying I cant pay at all but requesting an extension and I have been told on many occasion " Well theres nothing we can do '' " you will have to just call back when you can actually make the payment ''. I would request that a note be placed in the system and i would get statements like " well that wouldn't help if the car is repo ''. This companied failed me on so many different occasions that I gave up so many times. I can recall a few months this company reported to the credit bureaus that I was late on my payment however the ONE time I was able to make a payment arrangement I was told that the payment for XXXX and XXXX would be mark as current due to the assistance that was provided due to COVID. This company turned around and reported my account as pass due for both months. The bad thing about this point is that when I called I was prepared to make the payments but because this assistance was provided I was told it was not needed and my next bill would not be due until XXXX. This messed up my credit tremulously to the point that I was denied of a home loan that was previously approved due to this. When I called to discuss the issue the transferred me to at least 5 different people with NO one being able to answer my question. I knew at this point they could not justified their error. They even got someone from the corporate office to " apologize '' however it is still reporting. I am at a much better place financially and these late payments are preventing me from accomplishing a lot. I truly believe this company has the ability to be great however they are making it worst for individuals instead of helping them. With the current law suit I hope this company is working toward better policies to include approval criteria. While I understand I am fully responsible for this loan, I plan to continue to make payments until it is determine if I am apart of the lawsuit. While I understand this process may take longer than expected due to the number of people this actually effect, I do believe something can be adjusted until this occurs. At this time I am requesting this company to do one of the two below things : 1. Remove all late payments that are currently reporting to my credit report. While the 4 late payments from last year resulted in me being late, due to the companies targeting populations that are predicted to have a high likelihood of default I believe these late payments should be covered until this select of the lawsuit. I am constantly being told that my car payment compare to my debt to income ratio at the time of me receiving this loan was definitely too high which was also covered in the lawsuit ( Preferred solution ) OR 2. Remove the account as a whole from my credit report until the lawsuit is completed. This request is in no way my way of stating that I will stop making payment because I will continue to make payments on time as I have been doing for the last 6 months however I do not believe this account should continue to report on my credit until the lawsuit is completed ( would be 8 months if I was not taken advantage of as explain above in regards to the late payments in XXXX and XXXX ) This company has contribute to a lot of the downfalls for me currently. I am however also taking responsibility for my action as well and is why I will continue to hold my end of the contract and make payments until the lawsuit is completed.
Just like the settlement in the lawsuit, i have faith Santander will continue to show great faith and partner with me to solve this current problem.
Please understand that if one of the above steps is the resolution to this company, this will not take the place of my right to receive any settlement as part of the current lawsuit.
|
| 01/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Dear XXXX XXXX:
The Ohio Division of Financial Institutions has received your correspondence below regarding the issues you are experiencing with XXXX XXXX XXXX. We have no regulatory authority over this financial institution as it is not licensed by our Division. Based on the information provided, it appears that your complaint involves a retail installment sales agreement. Generally, retail installment sales contracts are regulated by the Ohio Attorney General. Therefore, the Ohio Attorney General's office would be the appropriate agency to address your concerns. Future inquiries regarding your complaint should be directed to the contact information listed below: Ohio Attorney General
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX (XXXX) XXXX
www.ohioattorneygeneral.gov/consumercomplaint Thank you for contacting the Ohio Division of Financial Institutions. We sincerely hope our efforts will help you to resolve this complaint. Sincerely, Ohio Department of Commerce
Division of Financial Institutions
Office of Consumer Affairs XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX
Ph: XXXX
www.com.ohio.gov
This message and any response to it may constitute a public record and thus may be publicly available to anyone who requests it.
The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer.
-----Original Message-----
From: XXXX XXXX [mailto:XXXX]
Sent: Friday, XX/XX/XXXX XXXX XXXX
To: XXXX
Subject: Re: Car loan company XXXX XXXX XXXX out of Texas changing terms???
See below . Thanks, XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote:
I've been in finance for 15 years prior to my automotive career and I wasn't buying what the customer service representative was telling me. I 've always been paid ahead on my auto loan. After my last payment I should've been due for XX/XX/XXXX. The rep had told me they changed his they applied the payment and for now on it you pay more than what's due you have to call in to advance your account ahead of it will just be applied to the principle. Well on a closed end loan like this it's always been if you pay more then what's due, the excess will go towards the next month's payment. The accountable would show how much your due for the next month. This is how it's supposed to be. How can they change their minds in the middle of a loan contract? Loan disclosures state now interest is applied. This loan now sounds like a revolving loan. There was no mail correspondence at all regarding this change. Some people would say if I'm paid ahead 2 months and they have extra e,lenses they can slide by and not pay til it's actually due and then come to find out their credits destroyed because it would show 60 day delinquency when in fact it shouldn't. Attached is a statement from XX/XX/XXXX showing due for XX/XX/XXXX for XXXX. Then you can see the payment that were made that total up to make the account due for XX/XX/XXXX but still showing XX/XX/XXXX. They said they would change it after audit a week ago but never did so I called tonight and they said they've changed their rules.They have also said their computer system can't advance account to show more than 90 days paid ahead.As of today XX/XX/XXXX, the due date has not advanced as they said it would
XXXX The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer.
XX/XX/XXXX
The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer.
XX/XX/XXXX
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have been dealing with problems with this corrupt company since the global covid pandemic started in XX/XX/XXXX. I lost my jobs at that time ( and also thru out XXXX, XXXX, XXXX due to being in XXXX XXXX and retail ) .I reported this company numerous times to XXXX ( They have a government red warning on the buiness link on the XXXX for this company ). I was also contacted by XXXX XXXX XXXX XXXX regarding the complaint against this company. They wanted to hear my story. The XXXX has received almost XXXX complaints in almost 3 years regarding SANTANDER CONSUMER USA. They were sued in a {$550.00} M class action suit which I received a post card in the mail saying I was including in this class action suit ( got no help like I was supposed to and received a {$250.00} check ) .They were being sued for unlawful consumer financial practices= giving loans that people could not payback, interest rates that were sky high.This company has the worst customer service reps, They would rather be rude, Then help you come up with a reasonable solution to pay and keep the car.They sent private investagators to follow my car ( They knew where I lived, They could've picked it up at where I lived- I always made sure I did call the company so they didn't think I was " hiding '' the car. They repoed my car while I was in the grocery store XX/XX/XXXX. I had just dropped my mother off for XXXX XXXX XXXX. I then had to jump through hoops trying to get my car reinstated. They made me pay double of the amount I owed for missed payments, The tow company also took pics of personal documents that were in my car including my birth certificate, ss # on private papers, other personal information that could lead to Identity theft ( I had asked them over the phone not to do that, They said they had to ) .I would get letters sometimes threatening they would repo my car again stating I owe whatever amount, which wasn't adding up. They weren't applying my payments to my car payments, They were putting towards interest and late fees that they tacked on my contract during the year of the global pandemic of XXXX. I had reached out to customer service multiple times for economic hardship help, They said they will look into it. They had someone only once or twice reach out to me regarding the help and Everytime I called, The business hours said they were closed ( I only had cell service when I would get to port sometimes while traveling at sea for XXXX XXXX XXXX ) .I then asked customer service if someone from hardships could email me, so I could communicate and come up with arrangement and they denied me that service.I then reached out to XXXX again, The attorney general of Florida and Finally the Attorney general of Texas who acknowledged complaints against this company. They gave me the number for the Federal Trades Commission which now I contacted=writing this complaint. I just recently = end of july received a letter in the mail from Santander Consumer stating that after a recent file review, They determined my account was due for a refund of {$26.00}. So If I was so behind on these so called payments, Why would they send me this letter saying I'm due for a refund? This morning ( XX/XX/XXXX ), They repoed my car. I called and was transferred to a rude lady who basically said " your car was charged off ( no one told me this ) and you now you have a negative mark on your credit. Also you owe the back payments plus towing fee, but at this time we are not willing to offer you to pay off that amount or reinstate the contract. To get the car back, You must pay in full {$8000.00}, plus tow, and all these other fees that apparently added up to another {$400.00}. " She then proceeded to tell me addtional fees that made no legal sense to me, basically added up to {$12000.00}. I told her no way do I have that money when I now live under poverty class level due to the ecomony here in XXXXShe offered no solution other than to tell me that if I want my personal property, to call the XXXX XXXX and they will give it to me for free with an appointment. This company is heartless, They prey on consumers to give them high interest rates, high car payments and make them struggle just to keep the car.I want something done against this company. This is a type of fraud practices to get consumers into car loans that aren't even affordable.They should of gave me the option to pay missed payments and get the car back. They are ruthless and report false things on your credit report, but do not report when I was making payments.
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
In XXXX I moved to XXXX XXXX. In XXXX of XXXX my car ( XXXX XXXX XXXX ) stolen while parked in front of my apt . Police found 4 days later and called me after they'd towed it to XXXX XXXX. XXXX said that I had to go down and sign a release at XXXX which I did the next day. XXXX took 14 days to get me a rental as they stated that the rental was deleted off my policy somehow. An adjuster called me and told me I had to choose where to have it towed and assessed for damages and XXXX XXXX told me that it was clearly totalled. I expressed to the Adjuster that I was new to XXXX XXXX and didn't know where to go.
He said XXXX did a lot of work like this for them and was XXXX certified so i asked for it to be taken there. After XXXX calls and not had an answer I called Adjuster supervisor who said that I had to go sign a release at XXXX while they canceled my rental car until this was done and I should have been more responsible and I said that I transferred the car to y'all and was told you would handle it from here. I went down that day and XXXX assured me that they could go forward easily. A week later my rental was canceled and when I called the insurance company they said car lot could not do computer diagnostics and I should have known and I was responsible for rental until car was towed to somewhere different and I had to do it. I quickly got XXXX dealership involved who said that I was being taken advantage of and this was the insurance agencies job and not had owners do this but they had it towed next day and totalled within XXXX weeks on paperwork. XXXX took 3 months to pay off what they said was their portion after XXXX calls to XXXX begging them to do something all the while not having transportation as they said somehow towing got deleted off my policy.
when I called the insurance company they said car lot could not do computer diagnostics and I should have known and I was responsible for rental until damaged car was towed to somewhere different and I had to do it and should be more responsible. I told them that I had never walked into this tunnel b4 and thought car was under their authority since I signed release over to them. They said their policies had changed and it was my responsibility to do the leg work. I quickly got XXXX dealership involved who said that I was being taken advantage of and this was the insurance agencies job and not had owners do this but they had it towed next day and totalled within XXXX weeks on paperwork. XXXX took 3 months to pay off what they said was their portion after XXXX calls to XXXX begging them to do something all the while not having transportation as they said somehow towing got deleted off my policy and they didn't know how and later said it was never on... After many calls... maybe XXXX or more and even from XXXX dealership XXXX took ownership but never paid Santander for 3 months after explaining to me they would only pay a certain amount. Santander had told me all would be well and they were going to get the money from XXXX and to open up a claim through gap company which I did in XXXX. In XXXX I was looking for a car and saw XXXX on my credit report by Santander! I called them and they said this and that but had never told me to keep paying for car and assured me they would finish up all details now that claim was filed with XXXX company ( XXXX XXXX XXXX claim no. XXXX ). I called XXXX company only to find out they had closed their claim XXXX XXXX in XXXX before XXXX paid off their part and never heard from Santander! I reopened claim and called Santander who told me they didn't even have a copy of the check XXXX sent them and I was to get that and a breakdown for what was paid and they would send to XXXX XXXX a copy of monies owed. Still was not told I would be responsible for anything but may want to make a payment but didn't have to if I couldn't afford it ( and I couldn't as my expenses to income were turned upside down ) .A month later Santander still on my credit report and after calls I found out XXXX only paid XXXX of XXXX! I asked why and they said it was because I didn't keep making payments and I was responsible for all that! I called Santander asking for forgiveness and they said no forgiveness. I asked to be a part of their forgiveness program as my car was purchased before XXXX class action required for the forgiveness program and they said no.They said they paid all they were going to pay and no forgiveness available even though I may meet requirements they weren'tgoingtopay anymore
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Upon reviewing consumer credit report, there were a number of discrepancies being reported across all three bureaus from SANTANDER ranging from dates of delinquency, amounts due, high balance, Last Payment date ( inaccurate ), date opened and date closed. For this matters, the bureaus were each reporting different information that was supposed to be verified. If the information was reported by the same company, how could these dates and amounts all be different?
Each bureau was sent via certified mail on XX/XX/XXXX a second request to verify and validate the account information with screen shots from my consumer report showing the information was reported and displayed inaccurately across all three bureaus and demanding the information be deleted as inaccurate, especially for the most vital dates and amounts ( attached as " Santander Deletion Letter '' ).
Each letter was delivered and received by each respective reporting bureau at the address provided to submit disputes for between XX/XX/XXXX and XX/XX/XXXX.
Each bureau advised at some point later the investigation of the dispute is in progress with the data furnisher. Each bureau advised that the information in the dispute would be provided to the data furnisher / subscriber to investigate the dispute.
Each credit bureau has advised their investigation has been completed with the subscriber / data furnisher and the results are the information has been " verified '' and the investigation is closed.
As of XX/XX/XXXX, the information provided by the subsiber / data furnisher SANTANDER to the consumer reporting agencies remains the same in regards to the errors as evidence by the attached file.
In addition, the data furnisher / subscriber to these consumer reporting agencies ( XXXX, XXXX, XXXX ) has failed to meet the requirements of the Furnisher Rule 660.4 in conducting a reasonable investigation and providing valid documentation in regards to : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
SANTANDER was provided with information showing the inaccuracies of the information reported and screenshots from my consumer reports showing the information was reported differently across the three consumer reporting agencies, yet continued to report the information as 'accurate '' or " verified '' XXXX was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item.
XXXX was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item.
XXXX was made aware, with proof in the attached screenshots that information was inaccurate and was being reported wrong and took did not perform and due diligence other than stating the information was accurate or verified by SANTANDER ; and continued to report known inaccurate information and failed to provide proof or demand regarding how the information was verified or validated, causing damage to the accuracy of the reported data and calculations of age of item.
This information should be deleted immediately.
|
| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have had this loan with Chrysler Capital since XXXX of XXXX. I am filing this complaint because Chrysler keeps trying to state that this loan was not predatory and so on. First and foremost I was completely taken advantage of a the XXXX dealership and not only that I was overcharged about XXXX on what I should have paid on this. As a single mom and under duress since I needed a new car and was in a bad place after divorce I took this loan and it has been the biggest regret of my life. XXXXSANTANDER/ Chrysler Capital should be ashamed and they have been investigated multiple times and have had to pay fines. But I am attaching the letter from them after XXXX. They claim that the loan was not predatory but it clearly was and they actually prove that in their letter since it clearly shows how much I have struggled to even pay this loan. Not only that the car I have had to spend over XXXX on repairs on from the head gasket to the transmission and cat converter non of which was covered in warranty. I also cancelled the extended warranty and gap insurance 2 months after purchase which was supposed to be credited on my account. in XXXX which seems they never did either. Also when they claim this loan was not predatory then why has it been so difficult for me to make payments which is clearly proven in the letter they sent to me. I can barely pay for this and as a single mother of 2 this loan has drained the life of me and been a constant stress. Chrysler has been nothing but horrible and dismissive. To date I have paid them over XXXX for a XXXX car ( owing another XXXX ) and still all my money just lines their pocket with interest. I could never refinance since the car has always been underwater as well. I do not want this to happen to any other person and that is why I am sending this and that is why I am showing where the issues are. If this was an easy non predatory loan then I would not have 32 late payments. All of my other bills are paid on time. Honestly I should have never been approved for a XXXX payment. There is no way I could make it. XXXX is what I should have been approved up to. While Chrysler Capital tries to place blame on everyone but them it is quite clear they also hold liability here and are preying on struggling people. Also they sent me an email on XX/XX/XXXX stating they had options to help me on my loan and when I called them they just stated they have nothing to help with and they just email that out to have you call in. False advertising Dear XXXX, Chrysler Capital is pleased to service your vehicle account. Our goal is to make your experience with us a positive one.
Based upon a review of your account it appears that we may have assistance for you. We are here to help you but need to speak with you to discuss these options.
Please contact us at XXXX, Monday through Friday, between the hours of XXXX XXXX. XXXX XXXX., CT, or Saturday, from XXXX XXXX. XXXX XXXX., CT, to speak with a customer service representative regarding your account.
We appreciate your business and look forward to assisting you with your auto finance needs.
Sincerely, Chrysler Capital I want the CFPB to use this information to educate people and investigate into these practices that Chrysler denies. I have already started a private XXXX page for people to share their stories about this and I am in discussions with an attorney. For either working on my case about predatory and discriminatory actions towards women specifically. I have learned a valuable lesson and I am smarter on this now and see how I was taken advantage of. Chrysler Capital needs to pay for how horrible of a company they truly are. Their reviews are the same all BAD. I am not alone in this and this company has the worst customer service and values I have ever dealt with. I will be posting all over the internet the letter they sent me. No one likes to show that have struggled to pay a car loan but this loan has destroyed my life and one I still can't get away from because how under water it is. I am sick to my stomach how this company has taken my happiness and ability to give my kids things to pay for it and at that point barely pay it. I took a huge pay cut in XXXX but this company will never refinance or do anything to help customers. They just offer XXXX extensions which gives them more money in interest. It does not help the customer. I will never buy a XXXX XXXX ever again and I am working with people to expose that I am not the only one this company has destroyed.
|
| 05/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Dispute for Santander Bank I am filing a dispute against Santander Consumer USA . I will no longer be paying the monthly payments on the XXXX XXXX XXXX XXXX until this matter is resolved. I believe that the loan has been given to me on a fraudulent basis. When we came to XXXX XXXX last year, we were told that they could get us into a vehicle and that we would be able to refinance a year later with no problems. The day we came to XXXX XXXX was very stressful. They had us there for over eight h ours and had us sign so much paperwork and the only thing I received from them was a contract to keep for my records. I do not remember signing off or even seeing the credit application before it was processed. I do not believe that XXXX XXXX got written confirmation from me to process the credit application in the way they did. We were also passed around back and forth betwee n two e mployees who pressured us into staying there and didnt give us a lot of information as to how they would be able to get a loan for us. My husband and I were both at the car dealer and they told us they would be able to get us into the XXXX XXXX by using household income and to let them work their magic. Unbeknownst to me, they would up using my credit score with my husbands employment information and income in order to push the loan through. I have not worked in over 7 years and I have proof with the income taxes that I have been unemployed. I do not know what they wrote on the credit application and what was said about my employment and income. We have currently been in the process of refinancing or trading down the XXXX . As we called around, we recently discovered that what XXXX XXXX did was fraudulent. They falsified information in order for the loan to get approved. We have contacted XXXX XXXX XXXX who is the lien holder of the loan and asked them if we would be able to get a copy of the credit application. We were told that they do not have a copy of the credit application because everything is digitally submitted. They then referred me to contact XXXX XXXX and request a copy of the credit application by them. We contacted XXXX XXXX and they told us that they do have the credit application but they are unwilling to send me a copy of the application. They have claimed that they are not obligated to give me my copy of the credit application and that I will have to get a court order in order to obtain the credit application. I believe that this confirms that what they did was fraud and they do not want to get caught. I have received council that I should be able to get a copy of my credit application. However, XXXX XXXX is extremely uncooperative. I have email communication between a supervisor and myself as proof that they will not be giving me my credit application. They also told me that they will no longer be communicating with me without a lawyer. I did not know that obtaining my credit application would be so stressful. If I were asking for it from any other company, I believe that they would cooperate. unless they knew that they were in the wrong. Also, I have submitted a request to Santander to in vestigate whether or not the loan application has information that has been falsified. I submitted that request a week ago, and they told me that it would have been resolved within two to three day s. It has now been a week and I have not heard from them. Also, now when I call Santander, I am automatically sent to a voicemail of the president of Santander. I left a voicemail on his line on X/X/17 g iving him two days to get in contact with me. I have not heard from him yet, but I also can not get a hold of a live representative ever since the investigation has gone under way. They are leaving me in the dark. There has been no resolution in regards to the investigation. It is as if the investigation has never happened. It is very unprofessional. I have not been given any solid answers by either of these two comp anies, and they do not deserve my service. I refuse to be a part of something that believes that doing things fraudulently is ok. Please open an investigation into Santander. I wi ll also submit a complaint against XXXX XXXX and Santander th rough the Better Business Bureau and with the attorney general of Pennsylvania. I dont believe I should b e treated this way, especially since I was simply asking for a copy of my credit application. Thank you.
|
| 12/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have made at least 10 payments that they claim they never received. There are 8 late fees charged to my account for months where I paid my payment before the cutoff date used for late fees. There are several miscellaneous fees that were charged to my account that I do not think I should have to pay, since I was actually making my payments. Unfortunately, I do not have receipts to prove what or when I paid. It does not show on my transaction list on their payment website. I am elderly and think that I am being taken advantage of. My car was repossessed in XX/XX/XXXX. At first, they told me my car was at the dealership where I purchased the car. Next, I was told that I had to pick up my license plate from XXXX, and when I went to pick it up they told me they didn't know where my license was. I informed them that I was going to pay the past and current amount dues and to not send my car to be auctioned. Then, I was told that my car was in XXXX, NC to be auctioned. They didn't have my license plate nor any of my items from my car. They damaged the ignition and my key so badly that it had to be replaced. They didn't give me another fob, they just made a regular key. Less than a week after I paid everything and got my car back, they called and said that I had a payment due in a few days, and still had a past due balance of approximately {$3000.00}. The loan was taken out for {$15000.00}, and I currently owe almost {$15000.00} - with an account maturity date of XX/XX/XXXX. The discrepancies are : 1. I was told my first payment would be due by XX/XX/XXXX, but a late fee ( {$18.00} ) was added to my account on XX/XX/XXXX 2. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
3. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
4. I also received a late fee of ( {$18.00} ) on XX/XX/XXXX.
5. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment that was already paid on XX/XX/XXXX.
6. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
7. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
8. Since they stated I never made the XXXX payment, I had to pay {$530.00} on XX/XX/XXXX. That was an additional ( {$140.00} ).
9. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
10. On XX/XX/XXXX, I made a payment of ( {$54.00} ) to go towards my XX/XX/XXXX payment that was already paid.
11. On XX/XX/XXXX, I made a payment of ( {$86.00} ) to go towards my XX/XX/XXXX payment and my XXXX payment of ( XXXX ).
12. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
13. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
14. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
15. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
16. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
17. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
18. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
19. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
20. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
21. I was charged a late fee ( {$18.00} ) on XX/XX/XXXX for a payment made on XX/XX/XXXX.
22. On XX/XX/XXXX, I paid ( {$1500.00} ) to get my car back after it was repossessed.
a. I paid my bill every month, and they still repossessed my car.
b. I did not receive a letter from them advising me that they were going to repossess my vehicle.
23. I was also charged Miscellaneous Fees in the amount of ( XXXX ) for the repossession of my car.
24. On XX/XX/XXXX, I paid ( {$570.00} ), which was an overpayment in the amount of ( {$170.00} ) for my XXXX payment.
25. My payment of ( {$390.00} ) was made on XX/XX/XXXX, but it was never posted to my account.
26. The payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX do show on my account.
27. My car was repossessed again the beginning of XX/XX/XXXX, and there was no letter indicating that my vehicle was about to be repossessed.
According to my last statement, {$14000.00} is the payoff amount due by XX/XX/XXXX.
Thank you!
|
| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Dear Sir / Madam, I am writing today to formally complain about the business practices I have been subjected to by Santander Consumer USA. In XX/XX/XXXX I purchased a car at XXXX XXXX XXXX in XXXX Ohio. Because of my bad credit score I was told that the only lender that would work with me is Santander at an interest rate at around 18 % on a {$25000.00} loan. I was told that in order to get the car, Santander required me to purchase an extended warranty, otherwise they would deny me the loan, which I have recently learned is not true and often is a scam.
The total cost of the loan was to be {$45000.00} and was based on 66 monthly payments of {$680.00}. I ended up ( based on Santanders payment history that was sent to me ) making a total of 82 payments for a total of approximately {$59000.00}, which included all fees, resulting in an overpayment amount of {$14000.00} of the agreed upon amount. The agreement states that the late charge is to be no more than 5 % of the monthly payment, which is approximately {$35.00}. If I were late every month that would still only amount to {$2800.00}, leaving almost {$12000.00} unaccounted for in miscellaneous late fees that are not stipulated anywhere in the original contract.
On XX/XX/XXXX a payment of {$700.00} was made. NONE of the payment went to the remaining {$450.00} principle, but was entirely applied to Misc fees. This was the only time in the history of the loan that this happened. The next day, XX/XX/XXXX the vehicle was traded and Santander was notified of this. Again on XX/XX/XXXX, Santander called and was informed that the vehicle was traded and the dealership, XXXX XXXX of XXXX Ohio, was sending the payoff amount as agreed the day before. On neither of the calls did the Santander customer service representative inform me of any late status, nor did they inform me that the {$450.00} remaining principle wasnt paid, despite receiving a payment from me on the XX/XX/XXXX.
The very next day, XX/XX/XXXX, Santander flagged my account with the credit reporting agencies as Charged Off in the amount of {$450.00}, with a {$1800.00} balance. Im assuming the {$1800.00} balance was made up of some of the {$12000.00} in miscellaneous fees.
On XX/XX/XXXX, Santander received the payoff and applied the amount to my loan, effectively paying it off. When I called Santander to inquire about the charge off they told me that the loan wasnt paid and as such they couldnt change the record.
Not satisfied, I wrote and mailed 5 letters to different Santander addresses explaining my situation and asking them to correct the credit report and remove the charge off now that it has been paid, only to receive 5 form letters stating that their reporting is correct and can not be changed.
I then decided to start a dispute with Experian to investigate, however it appears XXXX efforts are going unanswered as well.
Currently, 2 months later, my credit report still shows an unpaid charge off from Santander, and they also have entered the incorrect loan term on the account, showing that it was 89 months and not the contracted 66 months.
In my online research trying to find out how to best approach this issue, I learned that Santander was the subject of a CFPB lawsuit and forced to rectify the accounts of customers that were subjected to circumstances similar to mine. I am not looking for any financial reimbursement, I simply request that my credit report be corrected to remove the charge off and show the account as paid in full or completely remove the Santander account from all public credit reporting agencies.
My family struggled financially for 7 years because of the inability to get out of this loan and now to charge off my account after receiving {$14000.00} over and above the agreed upon terms of the loan, in addition to knowing that the vehicle had been traded in the day before was unbelievable to me considering I spoke with Santander the two days before and was not informed that this was about to happen.
Ive attached documentation showing the extended warranty I was forced to purchase, the payment schedule on the contract, the total cost of the loan, the payment history as provided by Santander, my letter requesting they correct the credit report, a screenshot of the erroneous credit report, the addresses to which my letters were sent and Santanders generic response to my request.
Please let me know if there is any further information you need.
Thank you for your assistance.
|
| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The NYS Attorney General has sent me here for this matter. In late XX/XX/XXXX, I went to a XXXX dealership in XXXX NY to apply for a loan on a XXXX XXXX XXXX. At first they stated that I was approved for payments around {$450.00} a month. then after agreeing they came back and said they made a mistake somewhere and my payments would actually be {$660.00} a month. I was a young and uneducated on certain laws and did not read the contract in full and singed a loan agreement with Santander Consumer USA. I fought tooth and nail with this sub-prime bank the entire time I had the loan. I was unable to make these ridiculous payments with an extremely high interest rate and began missing full payments. They would call my phone sometimes up to 5 times a day and harassing me about paying even when I explained I was at work, and would keep asking when I'd have the money and keep calling. For a while I was doing promise to pay where I told them I could say pay {$300.00} on this date, and I always kept my word. Eventually in early XXXX before Covid shutdowns and mask mandates began they used scare tactics and said someone is out looking to take my truck and asked me to just tell them where it is. I had asked if there was any way I could get assistance to move my late payments and fees to the end of the loan because there was no way I could pay it 100 % current, I would just continue to fall further behind. They said if I payed a certain amount that I could call and talk to the department that handles assistance. On XX/XX/XXXX I made a payment of {$660.00} dollars which I borrowed mostly from a family member to try to get current and on XX/XX/XXXX I payed {$580.00}, which both payments went directly into interest of the car and none on the principle which I saw on the statement online. When I spoke to the assistance department to see if there was anything I could do they said I did not qualify for any assistance and to make a full on time payment for XXXX and try again. This was very frustrating, because I would still remain delinquent for the same amount of time. Then I got a letter in the mail that was dated XX/XX/XXXX stating " Based upon review it appears we may have an assistance program available that may help you bring your account current '' This frustrated me even more considering how much I just paid and was told I don't qualify. From there Covid took it's toll and my pay was docked 15 %. I could certainly not afford the vehicle and began slowing down and limiting the payments. I made a {$350.00} dollar payment in May and a {$650.00} dollar payment in XXXX. Because Of Covid they could not repo. On XX/XX/XXXX my mother said people showed up to the house asking for me saying they were there to " serve me papers '' and harassed my mother to figure out where me and the truck were. She did not know. They somehow found out where my boyfriend lives ( I assume by asking police or a tracking device, I am unsure ). I saw them outside picking my truck up. About 2 weeks later I got the letter for how much I owed to get it back and couldn't afford it. They sold it at a private auction on XX/XX/XXXX and said my remaining balance was {$9900.00}. On XX/XX/XXXX I got a letter for a limited time settlement offer of {$3500.00} yet the the full balance changed to {$9900.00}. I did not have that kind of money and began looking into my legal rights and possible bankruptcy. They posted to the credit bureaus that the account was closed as a charge off on XX/XX/XXXX yet did not post it until they repossessed the car, so I was not aware of them closing my account when I was making payments to try to keep it in XXXX and XXXX. Even on their website it says " past due '' with my monthly payment amount. I came across their {$550.00} XXXX dollar lawsuit that I knew nothing about. I looked into if I qualified to get a 1099c, and based on their cut off date of XX/XX/XXXX I wouldn't. However in that lawsuit it said Santander used internal scores to approve people for loans with very high interest rates that they would most likely not be able to pay and would default on. As well as dealerships fudging income numbers and amount of bills. I strongly believe I was was wrongfully approved. They also have my name spelled wrong on everything which in turn put a wrong spelling ( other known as name XXXX on my credit reports which I am still working on getting deleted. I have been harassed and lied to by this bank.
|
| 10/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Check complaint filed with the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Texas. Contact XXXX XXXX, Investigator XXXX XXXX, Dispute Resolution Specialist XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX p : XXXX XXXX Start With Trust My Complaint number is XXXX. Additionally, the people responsible for the irresponsible, negligent, and treasonous acts are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX from finance. Each have been reported to XXXX XXXX XXXX for their fraudulent acts and I have already submitted documents to the Texas Supreme Court regarding their irresponsible activities.
My original car has been taken, fraudulently. I have not had it since XX/XX/2018. The car was reported stolen through my insurance provider and they too have done nothing to attempt to recover the property or provide me with my monetary compensation.
Hello Mr. XXXX, I went to XXXX XXXX and requested they take my trade in to receive a business car. I did not receive that. Instead, they gave me two weeks to drive the car for business purposes. When I returned a few days ago, Thursday, I requested they refund me that amount. They did not do that. Instead, they retitled the car, sold it at an auction, and refused to comply with original terms.
This car is no longer mines. It has been sold fraudulently. Any and all insurance and other things associated with myself or my mother are not our concern or faults. The dealer that financed it is XXXX and his co-conspirator was XXXX XXXX.
Any future correspondence regarding this emails is incorrect. I do not personally own this vehicle in any way, shape or form. Ive filed a complaint with XXXX and am awaiting a hearing to discuss proper refunds.
I have all documentation concerning the transactions that took place. Please give me a call if you have any questions.
Sent from my XXXX I made calls to the XXXX Police Department, multiple times. I did not receive any assistance because I was told it was " out of their jurisdiction. '' There are XXXX calls from me in their system.
The car was towed about 48 hours ago. I have been told I have more time to pay it off by the bank XXXX XXXX, but " the bank '' and their agents have been aware of my situation since XX/XX/2018.
Also, about two weeks ago, I got an account to research my previous car " XXXX XXXX '' and and when I searched it I saw an old social media picture of myself and friends riding in that car about 5 years ago from XXXX to XXXX. The picture appeared to state I have an arrest warrant for acts carried out in that car, however, I do not have a criminal record and have not been a part of any illegal activities in that car.
The new car is a XXXX XXXX 2018 model and I still have both sets of keys and one of the license plates. As far as XXXX XXXX I still have the plates and as you will notice from your investigation, the auto dealer, their agents, and the police have yet to find the car, the owner, the seller, or anyone else involved in that transaction.
Further evidence includes the following ...
XXXX tickets for the vehicle that occurred following XX/XX/XXXX. I have not been in that car, seen that car, or had any possession of it since that date. I have no idea what has occured in it since that date. I don't know the owner. It isn't on my insurance and I have not been the legal owner since that date.
A parking ticket from XXXX PD from the last day I had the vehicle. It was parked downtown the notice number is XXXX with plates XXXX. I refused to pay that ticket on that date, because, the XXXX form was never properly filed.
During the meeting on XX/XX/2018, at the XXXX XXXX XXXX XXXX location. XXXX XXXX and company refused to apologize, they refused to provide a refund, and they refused to take responsibility for their irresponsible activity. I, to this day, do not have a vehicle. They ruined my credit score, and it was all due to the business potential tied to my name, social, business acumen, ability to produce/create/write music, etc.
I do not trust them. I will never return, because it has taken everything in me to not return to that dealership and deliver retributive justice.
As I have stated in my numerous complaints, I do not want my old car, I do not want their new car, I want my money back and compensation for this being the toughest summer of my life.
Thank you, XXXX
|
| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Dear Sr / Madam My name is XXXX XXXX XXXX, I am writing this email to make a formal complaint against Santander Consumer USA and their lending practices.
Last year i got late on my payment with Santander for {$1700.00}. Santander had sent a towing truck to pick my XXXX XXXX on XX/XX/2017, Before the driver got my car i were able to call Santander and made a payment with my debit card for the amount owed and the payment clear right away.
After i made the payment the towing driver almost kind force me to give him the keys he said that if i didnt give him the keys he was going to force the car out. At same time i had Santander on the other line to let him know that the account was back in good standing, But he didnt want to talk them on the phone and pull out my car and towed.
The next day i called Santander to pick up the car and got Transferred to the President office and spoke with XXXX XXXX. I spoked with XXXX and told him about how Santander had made it more harder for me.
At that time i ask Mr PXXXX if a repo was going to show on my Credit Report he say yes and right away i told him that i was going to to make a complaint with the Federal Reserve Banking in Washington DC for the way they towed my car after they got the payment and my car was still in front of the house and he told me not to do the complaint against them and said that when i finished paying off my loan he was going to remove the repo.
As we speak i have one more payment to go and i called the president office to speak with Mr XXXX now he doe n't return my calls and his coworkers from the same department keep saying tthe they wont be able to removed my repo as i waited for this for a long time as they had the power to do so. I keep calling to speak with someone higher and they said that that's the highest office to speak with.
Mr / Madam i am asking for your help and have Santander to remove the repo from my credit report as they they said they would. Every event that a im writting in this email took place and if needed this case to be taking to Federal Court i am willing to testify under Oath or grand Jury including using lie detector on me to show everything i am saying here is the truth. I don't know in the first place why Mr. XXXX XXXX asked me not to complaint to the Federal Reserve if he is not honoring his words.
Please see below how all this started.
I got a loan thru Santander and since day 1 i put my loan thru autopay righ away for 3 1/2 years they got their money every month without missing a payment or bein late.
In one of those month i called the bank before my payment was due and changed my bank account for payments and Santander bank by error the date that the payment was due they try to take out two payments from my bank one from the new account which they received and one from the old account which it did not enough money as the new account was my primary, Because the second they tried get payment bounced from my old account even though they got pay from another account that was already on file with them for automatic payments on the due date for that reason they took me off from autopay for six months.
I call them few times to ask about it and they said because i had a payment bounce i were denial auto pay. I said many times why they tried to take two payments from my bank when my car loan at that time was perfectly fine without ever been late and they offer me n o explanations other than i were not entitle for auto payments, Ever since that day Santander has made my life miserable. Also when my account was in good standing i called Santander to refinance my loan and lower my interest and they keep telling me that they do not refinance their own loans.
Also here no explanation ( This is the part where they make it much harder for people with high interest loans which in case when i ask to lower my interest my loan was already paid for 3 1/2 years without missing a payment by that time. I call this discriminatory by Santander because they make me stick with their high loan because they might think i dont have a chance with another bank to take the loan on a used car with almost two more years to go.
Plese feel free to contact me anytime if you need further information.
I would like to thank you in advance for time.
Best Regards, XXXX XXXX Email. XXXX XXXX
|
| 11/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : This letter is being sent to you in response to an alleged debt received by Me from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Consumer mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Consumer with competent & all documentary evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, this is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature & signature from Santander Consumer USA Inc, specifically naming Santander Consumer USA Inc as a person entitled to enforce a claim against me the Consumer. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a certified copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that Santander Consumer USA Inc is not entitled to enforce a claim against me, XXXX XXXX Furthermore, you shall cease all & any type of communication indirectly pursuant to Title 15 U.S.Code 1692c ( c ). No communicating to any credit agency, that would be considered communicating indirectly to the consumer.
Requesting ALL DOCUMENTARY EVIDENCE, According/Ledger of my account, if documents are not received I will hired a private company to do a audit according to GAAP At this time, I will also inform you that if your offices have reported this alleged debt information to any of the 3 major Credit Bureaus , such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark or outstanding is found on any of Consumer credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide the Consumer with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Consumer credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from the Consumer credit file and a copy of such deletion request shall be sent to Consumer immediately. Also, consumer requests that all collection actions to the account # XXXX must stop immediately and you must cease and desist any and all collection efforts until proof of claim of disputed debt is provided. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] Best Regards, XXXX XXXX, XXXX
|
| 07/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I, ( XXXX : XXXX ) a natural human, consumer hereby am notifying you SANTANDER. that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The Black law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of SANTANDER. ACCOUNT NUMBERXXXX in the amount of {$14000.00}. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30.
Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
|
| 09/01/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Santander Consumer USA is acting in violation of the Maryland Anti-Deficiancy Laws and is trying to collect on a debt that they technically can not collect on. On XX/XX/XXXX I contacted Santander Consumer USA regarding my past due car payments and the next steps I can do in repairing our relationship. The representative informed me that my best option was to voluntarily give up the car and that it would completely wipe out the debt I owed with them and that they would stop all collection activities ( I have thus learned that I was lied to by the representative and that this was not true, that giving my car back would not erase the debt I owed but only reduce it ). I gave them the address to pick up my car at XXXX XXXX XXXX in XXXX Maryland ( please note that that I never told them this was my address or told them to change my address on file ). The next day my car was given up to the tow company and all was well, as so I thought. To my surprise when I look at my credit report a few months ago I noticed that this is still showing negatively on my credit report as debt I owe. According to Maryland law " Within 5 days after the credit grantor repossesses the tangible personal property the credit grantor shall deliver to the consumer borrower personally or send to him at his last known address by registered or certified mail, a written notice which briefly states : ( 1 ) The right of the consumer borrower to redeem the tangible personal property, and the amount payable for it ; ( 2 ) The rights of the consumer borrower as to a resale, and his liability for a deficiency ; and ( 3 ) The exact location where the tangible personal property is stored and the address where any payment is to be made.For 15 days after the credit grantor gives the notice required by subsection ( e ) of this section, the credit grantor shall retain any repossessed property. '' I never received any such notice from Santander Consumer to my mailing address via certified or any other sort of mailing. Which is in violation of Maryland law. Subsequently, Santander consumer is also required by Maryland Law after selling my vehicle to send me a deficiency letter outlying the remaining debt I owe. Maryland Law States " Private sales must be commercially reasonable, and the lender must send an accounting to the borrower. If the property is sold at public auction, the lender must provide the borrower with a written statement of how the proceeds were applied. If the vehicle sells for less than the balance owed on the loan, then the remainder is an unpaid deficiency. '' State law also requires that this be sent via certified mail latest address on file. Any violation of this law states that the " credit grantor can not collect on the debt ''.
In XX/XX/XXXX I contacted Santander 's President Office XXXX XXXX, to file a complaint regarding this debt and I spoke to gentlemen named XXXX XXXX. XXXX XXXX informed me that they sent all the notices to an address " XXXX XXXX XXXX XXXX, XXXX Maryland XXXX '' and address that I have never lived at or be associated with. Also, when doing a search with the USPS the address " XXXX XXXX XXXX XXXX .... '' does not exist whatsoever and any mail delivered to this address would be deemed undeliverable and returned back to the sender. I never gave Santander that address or gave them permission to send me any corespondents to that address.My address on file that the time was " XXXX XXXX XXXX, XXXX XXXX MD '' the address that I gave them! When I informed XXXX XXXX of my finding he stated he " did not care '' and it " would n't have mattered if they sent the notice or not '' because he deemed me " irresponsible ''. I asked XXXX several times for the opportunity to speak with his manager or XXXX XXXX and he refused to let me speak with anyone else.
I have come to the conclusion that Santander has not acted in good faith with the sale of my vehicle, giving me the required notices, and reporting my debt correctly to the credit agencies.
I want Santander Consumer to immediately stop all collection activity against me and remove all negative reporting activity off my credit report since according to the law they are not allowed to collect on my debt. If this is not done within the allocated 15 days by CFPB I will take immediate legal action.
|
| 07/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
Servicemember |
|
# XXXX VIN XXXX I contacted XXXX and Chrysler Capital to honor their warranty on a lemon. also, XXXX refused to honor its COVID Hardish waver repeatedly. They are now charging me for a vehicle I surrendered in XX/XX/XXXX to XXXX XXXX in XXXX, Florida.
Tags and insurance were transferred to another vehicle.
XXXX, XXXX, XXXX, and all parties did not honor the basic warranty and negated customer safety and wellbeing.
XXXX, XXXX, XXXX was reported to the FBI for wiretap fraud, breach of business contract.
XXXX representative '' Mr. XXXX '' Was recorded on record the night I was in the hospital " laughing and refusing to assist in an emergency situation resulting in a 70 % XXXX in my XXXX XXXX and 7 months of recovery from playing music.
XXXX recently pays actors and studios for animations, commercials, print ads, flyers, and online and radio advertising. Each copy can pay for a one-minute spot at the XXXX XXXX each year. But Yet can't seem to honor basic human safety and compassion protocols because the profit margin is just too good.
-when pieces of your new car " fly off '' your vehicle and plastic shards from your poorly engineered XXXX XXXX endanger both me, my family, and my animal.
You get reported for Felony Fraud and Willful Endangerment, Price Gouging, Unethical Business Practices, and Failure to abide by Federal Statute on Consumer Protection and Fair Credit under FDIC and Federal Financial guidelines.
-Other Issues ( XXXX Denied hardship waver ) a minute ago -Complaint ( XXXX Denied hardship waver ) a few seconds ago -Customer Feedback ( XXXX Denied hardship waver ) a few seconds ago -Billing Questions ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -COVID-19 : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -COVID-19 : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX XXXX : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Customer Feedback ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Customer Feedback ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Natural Disaster : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Billing Questions ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX Also filing in Federal Court for Damages to my XXXX and the XXXX Visit that XXXX was recorded on laughing on the phone while I was broken down on the side of the road, and pulling plastic shards out of the tires.
XXXX also reported this vehicle as " stolen in Florida '' which is False!
& another count of Felony Fraud.
tag and title were legally transferred to another " cheaper used car '' THIS IS XXXX XXXX at its Finest and the warranty and insurance criminals at their worst.
SEE XXXX IN COURT. XXXX XXXX was contacted almost two years ago and perjured himself on record concerning this non-compliant and over-due and fraudulent account.
Mr. XXXX and Company were reported to the FCC last year. I will be filing a motion of contempt for both him and all under Federal Court Order to Cease and Assist. Under the Consumer Protection Act and Fair Credit Protection Act. Mr. XXXX is now over a year non-compliant and a report was submitted to FCC for a fine of up to {$10000.00} per month infraction of both Federal Statues and FCC Guidelines.
Additionally Attorney General from Texas, CO, AZ, and NC contacted on Mr. XXXX and Managers defrauding XXXX customers and price gouging during the pandemic.
Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX.
XXXX, Co XXXX XXXX Chrysler Capital XXXX XXXX. XXXX XXXX.
XXXX, Az XXXX FBI Report Submitted for Felony Fraud and Fraud Waste and Abuse at Chrysler Capital. I will be pressing " criminal charges against Mr. XXXX for perjuring himself on record.
Good Day.
Time Stamped XX/XX/XXXX XXXX XXXX
|
| 04/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
CFPB Claim against Santander / XXXX XXXX XXXX ( seperate from Santander ) On or around XX/XX/XXXX my husband was in a car accident with my XXXX XXXX XXXX XXXX XXXX.
On or around XX/XX/XXXX, my insurance carrier ( XXXX ) deemed my vehicle a total loss.
As a responsible person, I made on time payments to my Santander finance account in XXXX and XXXX even though I no longer had this vehicle, while my insurance and GAP coverage processed claims.
My insurance company made their payment to Santander on or around XX/XX/XXXX.
In XXXX, Santander provided my GAP carrier the pay off for the remaining balance of {$6000.00} On or around XX/XX/XXXX my GAP coverage made a payment to Santander for {$5100.00}.
This is where the issue begins. No one can tell me in detail why there is a {$680.00}. Communication detailing the reason for the balance was never provided. I have made numerous calls to both companies and neither has been able to help me understand why this balance exists.
90 days later I still can not get resolutions to this issue. On my call with Sanatander today I was told my pay off balance is now at {$930.00} with more principal and interest and I do not even have a call.
My call today with Santander was the last straw.
I first spoke to XXXX XXXX ( XXXX ) who hung up on me.
I then spoke to a second agent # XXXX and after detailing the issue and walking him through my problem, he also had no explanation, and only summarized the dates of payments received. I asked if I could pay off the initial balance of {$680.00} and he said that this was not a possibility as I am late making the " presumptuous '' balance. I told him I understand there is a balance but no one can tell me why. I need to know who made the error as it is my understanding my call got totalled. He said I was still responsible for the pay off amount. I told him I was in good faith wanting to pay off the balance of {$680.00} but need all late reporting removed and I need resolution as to why this balance even existed otherwise I would file a complaint with the CFPB. Only then did he escalate the call to a Manager on Duty.
After being transferred to the Manager on Duty # XXXX, she explained that my threat to report to CFPB is noted and that she will attempt to help me. Again she had no ability to help me by waiving my late /accruing fees. She said she would file a request to waive fees but this is not guarantee and that this would take 24-72 hours and to call back for their response. She gave me a new payoff amount of {$930.00} that includes the unpaid balance, unpaid interest and late fees. I now have to pay an additional {$300.00} but yet no one can tell me why this balance even exist.
I paid my car for 2 months after it was totaled ( XXXX / XXXX ) and I was told I would have this money returned ( that never happened ). Seems like Santander submitted the payoff as of XXXX vs. a payoff as of the date of the loss of vehicle is what I am now finding out. I continued to pay for my vehicle because I knew it was my responsibility and I did not want to risk late reporting on my credit. Now, someone's error or lack of detail is costing me more grief and more money and no one can explain to me why this balance was not paid as part of the insurance claim / GAP coverage.
Today I was willing to pay the balance of {$680.00} ... but was informed it had now grown to {$930.00} YTD from XXXX. I can no longer fight this alone and require assistance from the CFPB. There have been occasions through out this loan in which I saw late fees and or adjustments made to the loan for no reason and I was never able to get an explanations of this from Santander. On my calls I was told I was late, but my payment was always on autopay. I felt helpless., but this seems like even after having my loan paid off and car totaled I can not have proper closure to my account.
At this point, I would like to request a full audit of my Santander account and would like to get help getting all fees and late reporting removed. I would also like an understanding of how the claim was processed from the GAP side and how was the pay off calculated/applied as I do not think I should still owe {$680.00}.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX
|
| 12/17/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
On or about XX/XX/XXXX, I Went to XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Missouri XXXX to lease a XXXX XXXX XXXX. I was allowed to leave the lot with the vehicle for 7 days pending the approval from Santander Consumer USA Bank. I was contacted 7 days later by XXXX XXXX, a sales associate and told via text I was approved and to come and finish the paperwork. About 15-20 days later I was contacted again and about additional paperwork. I submitted all that was asked for. I was told Santander rejected my bank statements and social security award letter. Eventually I was told Santander rejected the loan. I contacted Santander myself and recorded all conversations between myself my granddaughter and Santander bank. Santander said they never rejected the loan the requested my bank statements and Social security award letter. I explained that I was told by XXXX XXXX that Santander rejected both my statements and Award letter. I was then given a email to send the items over directly and was asked to stay on the line so santander could call XXXX XXXX and request the deal be sent back over. XXXX XXXX has not responded. Santander has attempted to contact XXXX XXXX multiple times. I contacted XXXX XXXX about sending the deal back to Santander. I spoke with a couple people at XXXX XXXX and was told I needed to go back to the dealership for them to send the loan back. When I replied I shouldn't have to go back for them to send the deal back and has never been made to go back for XXXX XXXX to send the deal back to Santander or any of the banks they sent the deal to extremely negativly impacting my credit score even after knowing Santander never rejected the loan but XXXX XXXXXXXX continued sending my deal to other banks and getting rejected. Some of those bank received my deal more than to once to run my credit further damaging my credit score. I've asked numerous times why they won't send the loan back to Santander and was eventually told the car was reported stolen the police have been called. I have been contacted numerous times by different sales associates finance XXXX XXXX and so forth with threats. I've been told the care is being GPS and told exactly where I was, at the time. When I asked how long have they been tracking me I was hung up on. I was told by Santander the check stubs and Social security award letter has never been sent over by XXXX XXXX. The did not get that information until I sent those forms of documents to them myself. I verified that through multiple Santander bank financial department reps. I was told by XXXX XXXX if I bring the car back they would give my full down payment back. The contract states they charge {$0.00} a mile. When I asked about that I got no response. I also stated to many that called about the damage they had done to my credit score running my credit with multiple banks after know I was never rejected by Santander bank. I never got a response about that as well. I have no reason to trust this dealership ap face value because of the multiple lies harassing phone calls, in some cases back to back after they found out I've filed a complaint, and illegal measures and lengths they are attempting. I have also been made aware of multiple complaints with the XXXX as well as dozens and dozens of reviews of the same tactics and others from multiple review sites. Court documents show settlements out of court. One of the complaints that went to court and settled out was someone that also did a review and had the exact same thing done to him as is happening to me. I believe XXXX XXXX never intended to lease the car to me but infact intended/intending to scam me out of my money further damage my credit so I can't go anywhere else and have me owing them more money. There is no other reasonable explanation for the multiple people seemingly being scammed whom posted reviews, my deal not being sent back to the bank, my credit being damaged, the harassment, and all of the above. XXXX XXXX should be fully investigated. The reviews show this behavior started just as the covid-19 shut down occurred. It needs to be investigated weather or not XXXX XXXX is facing or already in bankruptcy. I have many many documents texts and videos to support all that I've explained.
|
| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
TILA RESCISSION NOTICE
DATE SENT: XXXX XXXX XXXX
VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED XXXX
SANTANDER CONSUMER USA INC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TO WHOM IT MAY CONCERN:
PURSUANT TO THE PROVISIONS OF THE TRUTH IN LENDING ACT (TILA), 15 U.S.C. SECTION 1635, I RESCINDED MY LOAN, DUE TO VIOLATIONS OF TILA, INCLUDING BUT NOT LIMITED TO THE UNLAWFUL FAILURE TO GIVE TIMELY AND PROPER DISCLOSURES REQUIRED UNDER TILA.
IN ACCORDANCE WITH THE TRUTH IN LENDING ACT I EXERCISED MY RIGHTS UNDER THE FEDERAL TRUTH IN LENDING ACT, 15 U.S.C. CHAPTER 41 DUE TO THE FOLLOWING VIOLATIONS:
1. 15 U.S.C. 1601(A)(B)- FAILURE TO GIVE MEANINGFUL DISCLOSURE OF CREDIT TERMS; I WAS UNINFORMED OF THE USE OF MY CREDIT NOR DID I RECEIVE ADEQUATE COST DISCLOSURES.
2. 15 U.S.C. 1611- THE LENDER WILLFULLY AND KNOWINGLY PROVIDED ME WITH FALSE AND INACCURATE INFORMATION AND FAILED TO PROVIDE TRUE AND ACCURATE INFORMATION WHICH THEY WERE REQUIRED TO DISCLOSE UNDER THE PROVISIONS OF THIS SUBCHAPTER OR ANY REGULATIONS ISSUED THEREUNDER.
3. 15 U.S.C 1662, 15 U.S.C. 1605(A)(B)(C), 12 C.F.R. 1026.4(A)(B)-THEIR ILLEGAL ADVERTISEMENT AND REQUIREMENT FOR A DOWN PAYMENT IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT; I WAS NOT INFORMED THAT THE FINANCE CHARGE IS THE SUM OF ALL CHARGES YET YOU ADDED THE FINANCE CHARGE, AMOUNT FINANCED, AND MY DOWN PAYMENT BUT DID NOT SUBTRACT ANYTHING FROM THE TOTAL SALE PRICE. I DID NOT RECEIVE FULL DISCLOSURE OF THE FINANCE CHARGE. I WAS ALSO MISINFORMED BY SANTANDER CONSUMER USA INC., THAT A DOWN PAYMENT WAS REQUIRED IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT IN ORDER TO FINANCE AND PURCHASE THE VEHICLE; MY DOWN PAYMENT DID NOT REDUCE THE TOTAL SALE PRICE IN FACT IT WAS BOOSTED FROM XXXX XXXX XXXX I ALSO WAS NOT INFORMED OF LIFE, ACCIDENT, HEALTH, PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE.
4. 15 U.S.C. 1635- FAILURE TO PROVIDE THE INFORMATION AND RESCISSION FORMS REQUIRED UNDER THIS SECTION TOGETHER WITH A STATEMENT CONTAINING THE MATERIAL DISCLOSURES REQUIRED UNDER THIS SUBCHAPTER, IN ACCORDANCE WITH THE REGULATIONS OF THE BUREAU.
PURSUANT TO 15 U.S.C. 1635(F), MY RIGHT TO RESCIND THIS LOAN EXTENDS FOR THREE-YEARS AS A RESULT OF VIOLATIONS UNDER THIS SUBCHAPTER. MY RESCISSION NOTICE HAS BEEN SENT TO THEM WITHIN THAT TIME PERIOD.
IN ACCORDANCE WITH 15 U.S.C. 1635, 15 U.S.C. 1640, AND THE U.S. SUPREME COURT RULING IN JESINOSKI v. COUNTRYWIDE HOME LOANS, INC., NO. 13-684, 2015 WL144681, I NEEDED ONLY TO PROVIDED THE LENDER WITH WRITTEN NOTICE EXERCISING MY RIGHT TO RESCIND WITHIN THE THREE-YEAR PERIOD ELAPSE. NO COURT ACTION IS REQUIRED. THE U.S. SUPREME COURT ALSO RULED THAT I AM ENTITLED TO ADDITIONAL RELIEF IN THE CASE OF AN INDIVIDUAL ACTION TWICE THE AMOUNT OF MY FINANCE CHARGE IN CONNECTION WITH THE TRANSACTION WHICH IN MY CASE WILL BE XXXX NOT INCLUDING THE RETURN OF ALL MONEY OR PROPERTY FOLLOWING RESCISSION.
I RESERVED ALL RIGHTS TO RAISE ADDITIONAL OR ALTERNATIVE GROUNDS FOR RESCISSION UNDER FEDERAL OR STATE LAW.
SANTANDER CONSUMER USA INC HAVE TWENTY (20) DAYS AFTER RECEIPT OF MY LETTER TO RETURN TO ME ALL MONIES PAID BY ME IN THE TRANSACTION AS WELL AS ADDITIONAL RELIEF ARISING FROM THE VIOLATIONS UNDER THE TRUTH IN LENDING ACT. THEY WERE SUPPOSED TO TAKE ANY ACTION NECESSARY OR APPROPRIATE TO REFLECT THE TERMINATION OF THE SECURITY INTEREST CREATED UNDER THIS TRANSACTION. BUT THEY STILL CONTINUE TO CALL AND HARASS ABOUT LATE PAYMENTS WHEN THE CONTRACT WAS VIODED BEFORE ANY PAYMENTS WERE DUE.
I ADVISED THAT IF THEY DID NOT CANCEL THE SECURITY INTEREST AND RETURN ALL CONSIDERATION PAID BY ME WITHIN TWENTY (20) DAYS OF RECEIPT OF MY LETTER, THEY WOULD BE RESPONSIBLE FOR FURTHER ACTUAL AND STATUTORY DAMAGES PURSUANT TO 15 U.S.C. 1640(A).
I ALSO ATTACHED AN INVOICE FOR THE AMOUNT OWED XXXX AND IF THE AMOUNT INVOICED WAS SOMEHOW INACCURATE FOR THEM TO PROVIDE ME WITH AN ITEMIZATION OF THE LOAN DISBURSEMENTS, THE LOAN CHARGES, THE CURRENT PRINCIPAL BALANCE, ALL PAYMENTS RECEIVED FROM ME, AND THE FINANCE CHARGE SO THAT WE MAY DETERMINE THE EXACT AMOUNT NEEDED FOR TENDER.
SANTANDER CONSUMER USA INC IS IN VIOLATION OF TITLE 15 CHPTER 41 AND HAS NOT RESPONED TO MY NOTICE OR EVEN ACKNOWEDGE IT.
|
| 02/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My car loan is through Santander Consumer USA and was legitimately repossessed in XXXX of XXXX due to me having fallen 3 months behind on my payments. When I called ( after the repossession ) to verify the necessary reinstallment amount to reclaim my vehicle and bring my account current, I was informed that the amount necessary to reinstate was {$1200.00}, but when I requested email or mail documentation from Santander to review the explanation of specific fees and charges that brought my balance to XXXX, I was informed by the customer service agent that Santander would not and had no obligation to provide such documentation in the case of repossession. I did not question the denial of my request any further, but do take issue with this business practice and would like to find out if, in fact, a lending institution is lawfully allowed to refuse such a request.
On XX/XX/XXXX I made payment by phone of {$1200.00} ( which included my XX/XX/XXXX monthly payment of {$240.00} ) to reinstate my loan and bring my account completely current and to a {$0.00} balance.
When I went to view my account on XX/XX/XXXX, I was shocked to view that even though I hadn't yet made my XX/XX/XXXX payment, my stated balance was {$940.00}. When I clicked on " statement history '' on my account page, there was absolutely no explanation of what the additional {$700.00} was that I was being billed for. I called Santander immediately to resolve the issue and connected to a customer service representative who could not in any way give me a satisfactory reason for the {$700.00} charge. Her only explanation when I presented the fact that the {$1200.00} consisted of the three missed car payments totalling {$730.00} and the additional 3 months of late fees of {$12.00}, totalling {$770.00}, which left a remainder of {$430.00} charged to me for repossession fees, storage, transportation and auction fees, all having been paid on XXXX XXXX, and brought my account current, she put me on hold for almost 15 minutes with no explanation. I then demanded to speak to her supervisor and put on hold for another 9 minutes until a customer service supervisor, named XXXX came on the line, and I had to detail the issue all over again. XXXX and I reviewed the account with what minimal information was available to him, and he agreed that the balance due was inaccurate and there were duplicate charges assessed to me. He could also not inform me as to the specific breakdown of the charges and fees showing currently or the charges and fees that the {$1200.00} comprised of. As a result, he told me the only recourse was for him to submit a request ( confirmation # XXXX ) for further details and account balance correction to another department and I would be contacted no later than by Thursday, XX/XX/XXXX with a resolution to the issue.
I emailed and called Santander several times after no one contacted me by the promised date, with no response whatsoever and was told no information was available to the customer service representatives I spoke to as well.
When I called back this morning ( XX/XX/XXXX ), I was connected to an extremely hostile agent who could not intelligibly communicate or tell me what the result of the account review that XXXX had requested 10 days previous was. She persistently interrupted and talked over me, so that after 38 minutes on the phone with her, in frustration, I decided to disconnect and call back in chances that I would speak with a better informed and gracious representative. When I called back, I was put in touch with an agent named XXXX. Once again, I had to detail the billing issue and my dispute. After reviewing my account at length, XXXX concurred that the account balance was erroneous by his calculations and information accessible to him. He assured me that he would forward an additional request for account correction ( confirmation # XXXX ), and the issue will be resolved in 48 hours, which based on previous personal experience, is unlikely.
If left unquestioned, a total of {$1100.00} will have been added to my account for miscellaneous items by Santander Consumer USA.
Please assist me in preventing consumer XXXX and unprinciped practices employed by this company.
Thank you, XXXX XXXX
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am filing a complaint against my auto servicer Santander. Santander the servicer of my auto loan has not allowed me access to any of my payment records and or billings statements ever since I filed a complaint with the State of Michigan Attorney general in XX/XX/XXXX. Since that date I have not received any payment statements or any records regarding the amortization, principal balance, interest, payoff amount or statement of when my monthly payments are due. The servicer of my loan is responsible for informing their consumers in a timely manner about fees, penalties and charges assessed on their loans. I have since been denied that right. Additionally Santander has since recently reported a late payment which adversely affects my credit reporting. The servicer, Santander has not provided me with any current or periodic billing statement they have not conspicuously identified payment requirements, payment allocations and have not notified me of any fees and or charges. Santander is in violation of Regulation Z act 1026.18 ( c ) paragraph 18C ( 1 ) ( 1 ) in which they have not provided me with any detailed billing statements detailing the amounts credited to my account. Santander in their refusal to send me any billing statements even after I have requested monthly billing statements violated the Fair Credit Billing act. As a consumer I have the right to have the ability to check my billing statements for mistakes and as a result of this practice it has adversely affected my credit. Per my conversation with Santander they have the correct billing address to send my statements are are required by law to be sent to me to notify me of my up coming bill and payment dates.
Additionally in XX/XX/XXXX after filing a dispute with CFPB Santander had agreed to remove the one late payment that I had incurred due to the extension. They had sent me a letter stating that they would remove the late payment from XX/XX/XXXX via their encrypted web portable but have since denied me access to be able to download and send that letter to the credit reporting agencies to have that payment removed. Santander is continuing to act with the same deceptive practices that caused them to settle their class action suit. And with their deceptive practices my credit is has now been damaged. In their previous litigation Santander has been found at fault for confusing and misleading consumers about the cost of partial payments and or extensions on loans to which I am not a current victim. Failing to provide me with monthly statements or notices of charges and then reporting late payments to credit reporting bureaus should be investigated again by the CFPB. Santander has already ben found at fault for not accurately reporting consumers on XX/XX/XXXX according to your CFPB article that is attached. I am demanding that CFPB require that Santander remove all late payments from all three credit reporting bureaus.
Santander failed to accurately remove the late payment they had agreed to remove in XX/XX/XXXX for the payment that was put under deferment.
These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Section 605 ( a ) ( 5 ) of the FCRA requires that negative information such as late payments must be removed from a consumers credit report after that information is seven years old. 15 U.S.C. 1681 ( a ) ( 5 ). The date by which such information must be removed is determined by the date on which the account first became delinquentthe date of first delinquency. This provision allows consumers to rebuild their credit following a long period of delinquency.
Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnished to CRAs Thank you XXXX XXXX
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello. I want to start off by saying I am really disappointed with how Chrysler Capital has been treating my wife and I regarding the account on our credit report. It is both very shameful on their end and really disheartening on our end. My goal here is to let you know of the behavior of Chryslers representatives and the way they dont care at all about people and just take advantage of them. This will be long winded, but it is important you know everything from the beginning so you understand my situation.
Around the summer of XXXX, My XXXX XXXX XXXX I had purchased broke down on me one too many times. It was clear something about the vehicle was defective at that point since I had already taken it to be repaired several times in the past. I contacted XXXX XXXX XXXX and went through the process to have my vehicle deemed a lemon by legal means. I will briefly skip to the end to let you know my vehicle was deemed a lemon legally before I continue with details in chronological order. Now that we are all aware my vehicle was a certified lemon, I will backtrack to after I contacted XXXX XXXX XXXX.
They gave me instructions on what to do so we could proceed with the case. I followed their every instruction because I could not afford for this new vehicle to be broken down and me get stuck with the loan when it was clearly a defective product. In the end, I kept making payments on this vehicle even though I found out the process to have this vehicle deemed a lemon concluded by XX/XX/XXXX. Chrysler Capital however decided they were going to mark me 30 days late consecutively on the loan starting from XX/XX/XXXX all the way until XXXX of XXXX. How they can mark me late even though the vehicle was deemed a lemon officially by XXXX of XXXX is beyond me. More so because I continued to make payments well after XX/XX/XXXX so there shouldnt have been any late payments. Even more so because I even received a check from XXXX XXXX XXXX in the amount of {$4700.00} in XXXX of XXXX and this was AFTER they took their cut for fees and whatever else they charge. In a letter I received from XXXX in XXXX they specifically say that if I were to continue to make payments after XX/XX/XXXX, those payments would be reimbursed to me.
In case you arent following me in this yet let me try to explain it to you from my point of view. My payments to Chrysler were {$670.00} a month. The letter which I will provide you as well as the check I received will show you that I was reimbursed money because no money was owed after XXXX of XXXX. How can I be late on an account that no money was owed as of XXXX and that I CONTINUED TO MAKE PAYMENTS ON! These late payments have been hurting my wife and I and it is preventing us from being qualified for certain types of credit and it is costing us money in higher interest rates for the credit we are able to obtain. It is not right, it is not fair, and it is not legal. But that isnt where this all ends. Besides the fact that Chrysler is wronging my wife and I with these late payments, they are refusing to fix anything and it is nearly impossible to get them to do anything no matter what I try.
Ive tried disputing the late payments with the credit bureaus, Ive tried calling Chrysler directly on XX/XX/XXXX, Ive tried sending them letters directly on XX/XX/XXXX on top of my disputes to the credit bureaus before hand, and nothing gets any response or any investigation, or any corrections of any kind. In fact, on XX/XX/XXXX, a Chrysler representative named XXXX said the department in charge of credit reporting would get a hold of my wife within 48 hours so they can talk to her about these late payments. They never did. What more am I supposed to do? Should I contact my lawyers again and sue Chrysler for hurting my wife and my credit reports? It is not right I have to suffer the consequences of bad reporting from Chrysler AFTER I had to suffer the consequences of buying a bad product from Chrysler. Please help me in having Chrysler remove this account from my report. Since they arent able to report accurately or even address my concerns then they shouldnt credit report the account at all.
|
| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Mr. XXXX, XXXX XXXX XXXX, Chrysler Capital XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, I hereby rescind any signatures obtained by XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX and Chrysler Capital XXXX to the vehicle known as VIN XXXX ( attached ) based on fraud, misrepresentation of facts, intentional deceit and consumers fraud.
The Kansas Consumer Protection Act prohibits misleading, deceptive and unconscionable trade practices I was defrauded and Chrysler Capital created a fraudulent loan and I have been paying on this fraudulent loan for 2 years and 8 months. Chrysler Capital placed a loan in my name without me completely signing for a loan and without me purchasing a car. I never signed the purchaser agreement and never signed all pages of the loan contract. Chrysler Capital unlawfully paid off a car that I never purchased and placed a unlawful loan in my name with 24 % interest without me ever agreeing to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chrysler Capital have defrauded me out of more then XXXX dollars and have misrepresented facts. below is a description of the unlawful acts. I now have a loan in my name for a car that I never signed fully signed a loan contract for and I am up to date on the fraudulent loan. I have been paying the highest interest on the car of 24 % and I do not own the car/ the car is defective and had more miles on the car then the loan paperwork stated.
I hereby formally demand the XXXX refund me all monies collected from me for VIN XXXX immediately including all Service Department costs, Insurance, fees relating to payments for the vehicle to the lender to date. Starting with but not limited to {$16000.00} paid by cashier 's check dated XX/XX/2018, and {$25000.00} paid to date to Chrysler Capital.
The fraud and deceit have been ongoing since XX/XX/2018 to date with no resolution. To name only a few which you are fully aware of include ; 1. A purchase agreement was never presented to me for my signature. I never signed a purchase agreement.
2. Title was never given at any time ( 2 years and 8 months XXXX including within the required 60 days after I have been paying a loan for Vin Number XXXX for two years and 8 months.
3. The retail installments contract, simple finance arbitration provision in its entirety was never delivered to me. Page 2 was unlawfully withheld from me for my signature therefore I was not free to take the agreement and review the full document nor given an opportunity to review said document with counsel.
4. After reviewing all the documents in which I just received from XXXX XXXX I understand that I do not own the vehicle that I have been making payments on for 2 years and 8 months.
XXXX. I have also been unable to drive the vehicle for 2 years and 6 months because I had no title to register nor any ownership. ( KS Statute 8-127 ) The entire transaction was an incomplete process and remains incomplete to date.
The only signatures of mine obtained by XXXX are ; The retail installment contract/arbitration provision page 1, 3, 4 and 5 therefore I am rescinding these signatures for fraud and deceit. I also rescind my signature that appears on the credit application dated on or around XX/XX/2018 ; The XXXX specific insurance policy document ; The agreement not to export ; Signatures of mine that were not obtained at any time required by law to complete any transaction, included but not limited to, are as follows ; 1. Vehicle Purchase Agreement. ( I never signed or initialed for arbitration ) 2. Vehicle ownership transfer agreement 3. Agreement to provide accidental physical damage insurance ( although my XXXX policy number is stated on the document ).
4. The odometer disclosure statement.
5. Registration and title paperwork.
6. Application for Missouri title and license.
7. Buyers Guide - for " As Is - No Warranty '' / Warranty 8. Commitments made. ( Not dated or approved by manager ) 9. Used vehicle damage disclosure.
10. Kansas Department of Revenue - Dealer/Purchaser Declaration of Exemption.
11. Privacy notice I am demanding all of my money back from this unlawful act.
|
| 08/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
ATTN : Complaint Department CFO. contract is null and void due to fraud, deceptive unfair debt collection practices Pursuant to The Congress. During a consumer credit transaction with Santander Consumer USA, I signed a contract not knowing the damages and debt that I would be faced with it. I am going through a XXXX XXXX crisis and problems due to the unfair deceptive practices. I have sent in an affidavit of fact. I removed the cease and desist by giving consent for Santander to contact me about the matter. Their were no proper procedure taken and I still have a fraudulent loan and which I need this matter to be investigated. Santander has been in so many class action law suits for this same thing. I was never aware that I was signing an application with Santander. I was surrounded with a group of XXXX car salesmen pressuring me into taking the car that I didn't want. I expressed that several times that if I the amount of monthly payments were high I didn't want the vehicle. I was forced and bullied into the deal of purchasing the vehicle. The finance manager never gave me the opportunity to read the contracts thoroughly and expressing that he had to go and was rushing me and deliberately bribing me into speeding up the process. I never given a form of rescission nor Truth in Lending Pursuant to FDCPA & Truth in Lending. No one barely went over the contract. When I finally came to a realization I looked at the contract and as I read I noticed that the back of the contract shows that I have given security interest to Santander to XXXX. The day of the consumer credit transaction, I was confused pressured and frustrated. I have exercised my rights as a natural person and a consumer. This matter have seems to escalate without receiving the proper investigation. I have the right to a fair trial and if I am not dismissed from this loan due to the fact that I was forced into a consumer credit transaction with the XXXX car salesman bribing me that I could purchase the vehicle and come back a year later and switch up my vehicle those are unprofessional tactics. Along with the consumer credit transaction I filled out a deceptive form that was filled with words that I didn't comprehend and as I asked I was told don't worry about it just sign. I am allowing 5 calendar days for this matter to be resolved. If you look on the monthly payment {$510.00} the character amount is incorrect and I am not obligated to pay an alleged debt Pursuant to FDCPA. I was contacted by Santander through telegram, email, via mail, reading that I had an amount due where there is no where in The Congress law that says I have to pay an alleged debt. You have no right to send me any sort of mail with a letter to pay a bill. I am notifying you that I refuse to pay a an alleged debt that I am not obligated to pay and that's a fact Pursuant to FDCPA, FCRA. It is a violation Pursuant to FDCPA not to send me any mail with a companies logo listed. I have received more than 12 months worth of monthly bills which is in fact violations Pursuant to The Congress. Unfair debt collection practice trying to collect money for a loan that I created. Pursuant to 1933 banking ACT, banks aren't allowed to extend any financial products or money. I am the original creditor I extended the loan, and I am the only one which is the natural person that can create a debt. I was forced to provide my personal information into being defrauded into an unfair deceptive transaction. I would like to know who provided that loan? How were you able to come up with the finance charges? How were you able to come up with a loan? Did you use my trust account open end credit account to then act as if you provided a loan and I am in fact the original creditor? I would love some explanations. You acted as if you were the loan provider no way you're a debtor, crooked. I am invoking remedies and I am enforcing instructions. The loan is fraudulent and is null and void due to the violations of unfair debt collection practices, fraud, using deceptive forms. I will proceed onto a civil complaint and file a law suit in XXXX XXXX XXXX Federal Court.
|
| 02/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
So this morning, dated XX/XX/XXXX, I, XXXX XXXX, the ORIGINAL XXXX PLEASE KEEP THIS IN MIND CFPB as I express my complaint I AM THE ORIGINAL CREDITOR. However, I have noticed all the negative reviews and slander Santander XXXX have been getting all over social media via XXXX, XXXX etc by other Consumers complaining about how Santander are scamming people and how they have a $ XXXX settlement which lead to me to dig deeper and do more research about Santander Consumer USA.
So again, as I woke this morning, I googled search Santander Settlement and this page comes up https : //santandermultistateagsettlement.com So I called the number because I know I have did and an transaction with Santander so XXXX was interested to know would I be eligible for this Settlement as well.
However, as I called and gave the Rep my info, she told me I was not eligible for the settlement.
However, the rep told me to directly call Santander and they would be able to provide me with details in regards of the settlement.
So I called them, and instead of asking about the settlement I asked for a letter of validation of debt which they did send via email, however, I was not able to open the file ( for whatever reason. ) So now that I am aware of the unfair practices Santander has been doing to Consumers.
So at this point I am just really interested to know more because I had a gut feeling they have scammed me and violated me of my rights when they repo MY car, remember, I AM THE ORIGINAL CREDITOR 15 U.S. Code 1691a, 12 U.S. Code 5533 so it is clear they have committed aggravated identity theft 18 U.S. Code 1028A, 15 U.S. Code 1666 and much more as I am studying my consumer rights. But let me continue..
So due to the email not working not working of the Validation Of Debt letter.
I chose to go to the car dealer ( XXXX XXXX ) XXXX XXXX XXXX av XXXX where I purchased my XXXX XXXX at.
I walked in asking for a copy of my original contract and gave her my information.
The rep was a female, she started to act weird and strange after I gave her my information, for whatever reason, I dont know. So she told me wait a few minutes and walks to the back ( I waited about 10minutes ) and then she gives me a copy of the contact. So as Im standing up at the front desk looking over the contract the rep asked did I want to go sit down and read it, so I did. But I had a friend outside waiting so I had to leave the dealership. However, as I get home and read over my contract, thats when I noticed SANTANDER has taken advantage of me and violated my consumer rights and did NOT disclose a lot of details to me and on top of that they did NOT explain that insurance is included in the the finance charge and caused me pay for my own insurance, plus I traded in my XXXX and to my knowledge this was my form of DOWNPAYMENT. It it heart broken and devastating to know I was taken advantage of and on the contract a lot of marks are writing N/A which I dont remember being there. I have sent certified mail to Santander asking for Validation of Debt and they have yet to respond. And the reason I asked for Validation of debt because they have been reporting to all credit reporting agencies on my account as CHARGE OFF which has damage my credit and reputation. Santander has repossess MY car, which has brought tremendous of embarrassment and humiliation to me in front of my family, friends and community. Santander has violated my rights 15 U.S. Code 1611 and stole MY car from me.. remember I am the ORIGINAL CREDITOR.. they reported my account as CHARGE OFF but never gave me my 1099c form from the IRS.. and on top of that they stated they earlier some time before now that I remember, they was selling the car to auction and I would get remaining balance which is a lie from the pit of XXXX!!! So it is clear they are doing wrong by consumers and with that being said 12 CFR 226.15 - Right of rescission. RETURN ME ALL MY GOODS!!! SANTANDER YOU ARE SOME XXXX CON ARTIST!!! I AM DEMANDING YOU TO RETURN MY XXXX and XXXX YOU STOLE FROM ME I AM THE ORIGINAL CREDITOR BY LAW!!!!! XXXX disgrace!!!!
|
| 03/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX I went to a XXXX dealership and turned in my XXXX XXXX XXXX XXXX. The dealership called Chrysler Capital for a payoff inclusive of all taxes and fees. The dealership and myself both spoke to Chrysler Capital and obtained the payoff. A check was sent for the full payoff amount.
The next day on XXXX my autopay set up with Chrysler Capital pulled out {$430.00} ( as it was my normal car payment ) and they now had this on top of the full payoff that was sent.
I called Chrysler Capital and asked when I would receive the overage back and they told me that I had to wait at least 90 days and that I would receive that overage by XXXX. ( This should all be recorded as it was phone calls to their direct agents ) When XXXX came and my account still had not been closed I called and was told that due to car taxes that came in they used the {$430.00} towards that. They advised there is still a balance on my account ( {$54.00}. ). I advised them that when I logged in none of this showed to me. I advised to them that the last statement on my account was from XX/XX/XXXX. I let them know my account was showing as " past due '' even though the vehicle had not been in my possession since XXXX and that a full payoff had been received by them in XX/XX/XXXX. The agent advised me that they would send me an updated invoice by mail.
The invoice never came by email or mail. I called again and once again requested. I still did not receive the invoice. The account status still showed the same thing. I then received an email from XXXX with an attachment ( XXXX ). The attachment showed a tax bill from my town but still did not show any detail at all of what I owed to Chrysler Capital. I responded to the email and advised I still needed a final invoice for the amount they are stating I owe. The employee never responded.
Since XXXX I could not tell you how many times I have contacted Chrysler Capital requesting to get this taken care of. I have requested to speak to a supervisor each time I have called or emailed in ( yet a supervisor has never called me or gotten back to me ). Each time I am promised an invoice will be sent to me. The final invoice still has not been sent.
One recent example in the many phone calls placed over and over was on XXXX. I asked to speak to a supervisor and the agent said he would take care of it. I let him know I had just called the week before and was told the same thing. He continued to state I owed {$54.00} but that the reason I can't see that online is because " of a glitch in their system ''. I told him this account needs to be closed and I even offered to make that payment on the phone and he would not take it. He told me he would put in a request to have that final invoice sent out and I would receive it in the mail. He also told me for my peace of mind he was going to schedule a follow up call for one week out. He even went as far as to say that the follow up call would be in the morning hours. That was two weeks ago now and no invoice ever was sent, and no follow up call ever came.
Keep in mind I have also emailed the contact 9 times since XXXX ( XXXX ) and never once has this employee responded to me personally as requested. I have even stated to this employee if you can't respond please have a supervisor call me. No response. On XXXX this employee sent the exact same tax bill ( As sent in XXXX ) and still not a final invoice showing anything about {$54.00}.
I have used the online chat portal twice in the last week and requested to have a supervisor reach out. Instead the agent stated that " an invoice was sent on XXXX '' and then closed out the chat. ( I have a record of this if needed ). That information is false and an invoice has never been sent.
Chrysler Capital is continuing to state that I owe a balance on my account but has yet in 7 months been able to provide me a final invoice showing this charge via physical mail or on my online account. There is no where to even make this payment online as it shows my normal car payment from back in XXXX and " Past due ''.
|
| 10/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hello XXXX XXXX, My name is XXXX XXXX, I am writing in regards to an inquiry that mailed and emailed over 41 days ago, about my XXXX XXXX XXXX. I finally received a call on XX/XX/XXXX back on the case that I sent previously, by an XXXX XXXX from your Escalations team? Although he was very professional, he was not knowledgeable enough to address my concerns, which led to a follow-up call by a XXXX XXXX, who said he was XXXX 's manager and the highest level of Escalation that consumer can speak with. XXXX tried the best that he could with no Financial degree or not being Certified in Finance in any way to Explain the Section A of my contract and how it relates to my interest rate on my loan with your company. I am asking that someone listen to the call and please in writing explain the answers I received from your staff. I will list my questions and the Answers I was given and hopefully, without any further embarrassment or criticism, or derogatory comments from your team, we can get these questions answered and my concerns addressed.
I am asking 1. Why is my monthly payment different from the XXXX per month on my contract?
2. What is Daily perdium? I was told on my vehicle it accrued from the day XXXX signed this contract on XX/XX/XXXX at a rate of XXXX cents per day and had penalties and late fees since I had not made a payment until XX/XX/XXXX. ( I thought we had a 45 day grace period when we purchased a new car to make 1st payment, and the dealer told me that was my 1st due date?
What is Daily perdium? and how doe that apply to me and my loan?
at XXXX per day and me being obligated to pay for 365 days per year, that's {$3200.00} per year in Finance and interest charges, which they say that's what daily perdium in line item A on back of contract refers too?
3. How do I have a daily perdium and a monthly payment of XXXX?
4. My interest rate on my contract is 21.11 %, I inquired about the almost 272 % in interest assessed in XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX and it's taken 43 days and no answer. Yes, 272 % if you look at transaction history and where the $ $ $ I paid was allocated in XX/XX/XXXX, I paid mostly all interest.
5. I thought my Annual percentage rate was 21.04 % x the amount of principal due?
6. Do I ever pay more than 21.11 % per year in interest for this loan?
7. Since you asked me to pay {$380.00} even for my loan since my " APR '' went down to 21.04, it seems I am paying late fees for not paying a correct amount per month why?
8. Is there a branch that I can go into to have this explained in writing?
9. Truth in lending disclosure requires you to tell me at any time the info and numbers at any time for this loan/debt, I have asked over 25 times for this info in writing. If my loan has changed at all you are required to notify me and send me those changes in writing and a modified agreement correct?
10. Your staff told me they do not have to disclose anything, will not send me anything, and its all in section A on back of my contract?? Please explain?
Do you not like XXXX XXXX or is there some other reason every borrower you have can have info on their loan disclosed but not XXXX XXXX?
11. Please listen to calls on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and his follow up call by XXXX XXXX XXXX who both seemed more concerned about my loan being in 79 days late status than ever attempting to resolve my " ticket '' or answer any of my questions.
For you highest of escalations to tell me that they will not and do not have to show me my rate on any day or what my payments have been applied to is racist and very discriminatory, I don't know who or what I a suppose to look or sound like to have these things disclosed, but I does not say on my contract that I need to be anything other than XXXX XXXX. If so please let me know so I can do so immediately, if not please send me answers to XXXX or my physical address XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. I understand the urgency in my account status so please do not take another 43 days to respond.
Thank you,
|
| 06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/XXXX I recently got a copy of my Consumer report and in my findings I found Numerous Inaccuracies being reported to the Consumer reporting agencies XXXX XXXX XXXX as well as these debt collectors Santander Consumer USA ( ACCOUNT # XXXX ) XXXX XXXX ( ACCOUNT # XXXX ) XX/XX/XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) PA child support enforce ( ACCOUNT # XXXX )XX/XX/XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) ( ACCOUNT # XXXX ) XX/XX/XXXXXXXX XXXX ( ACCOUNT # XXXX ) Each one of these accounts states : Account Status CLOSED_CHARGE_OFF or Payment after Charge Off Which are VIOLATING MY CONSUMER PROTECTION RIGHTS by reporting inaccurate/incorrect information of these debts they are reporting each debt to my consumer report as Closed and charge-off accounts which I found to be in clear violation of my consumer protection rights NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT It States Under Federal Law:15 US CODE 1681 SXXXX2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH INACCURATE KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
DUTY : a moral or legal obligation ; a responsibilityACCURATE : correct in all details ; exactPROHIBITION : a law or regulation forbidding something As defined by The IRS Even if you didn't receive a form 1099-C you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition The IRS clearly says a canceled or charge off is income. the reporting of this account as a debt is inaccurate 15 USC 1681s-2 says you the debt collector are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information and I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate the lender must file from 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussedEarlier in chapter 1.the above paragraph is taken directly from the IRS 2021 publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled debt. Which they did not do which is also a violation of my consumer protection rights and also tax fraud.
15 us code 1681 s - 2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices thats, that specify information is inaccurate ; and ( II ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. the information is, in fact, inaccurate.The continued reporting of this inaccurate information is a clear violation of the law15 USC 1681 s-2 of your responsibilities as a furnisher of information.You have caused me and my family severe harm due to your negligence and inaccurate reporting.
This is a final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT
|
| 07/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is a statement showing what fraud has taken place between CHRYSLER CAPITAL, LLC and XXXX XXXX XXXX XXXX Estate. On XX/XX/XXXX a decision by the XXXX XXXX XXXX XXXX XXXX Estate was made to purchase a XXXX XXXX XXXX vin # XXXX in the amount of {$37000.00} using CHRYSLER CAPITAL as the institution as a third party to access the funds from the private account of XXXX XXXX XXXX XXXX XXXX Estate t o show the purchase on the public bookkeeping records. Upon the signature of the living being XXXX XXXX XXXX XXXX permission was given to CHRYSLER CAPITAL to access the account and settle the balance of {$37000.00}. On the XXXX month of XXXX CHRYSLER CAPITAL began its fraudulent correspondences via mail and email of the extortionist payments thru threat and duress and coercion, at that point CHRYSLER CAPITAL choose to omit the truth about the fact that CHRYSLER CAPITAL took the original promissory note and deposited it into their account and was paid in full at that point. XXXX XXXX made payments on the account that was paid in full once CHRYSLER CAPITAL deposited the note in the bank account. Around XX/XX/XXXX I began returning the payment coupons back for payment and they began reporting to the credit agencies as non payments but they never told us that we had to satisfy the loan in any specific matter of payment matter. XXXX XXXX XXXX XXXX Estate se nt a promissory note to settle the balance and called and spoke to the representatives and informed them of the note and that someone needed to correct the account balance to XXXX ( {$0.00} ). After speaking back and forth with several agents in several departments for several months with no satisfaction on the matter it was escalated to the CEO of CHRYSLER CAPITAL ( XXXX XXXX ). XXXX XXXX XXXX XXXX Estate then sent a Bill of Exchange and letter of credit once again giving permission to accept theses for value and to settle and discharge the account as the last and final attempt to have CHRYSLER CAPITAL remain in honor. After speaking with a representative on Monday the XX/XX/XXXX and informing her that the account has now been sent to the CEO 's office and he will be out of town until the XX/XX/XXXX she informed me that they would cease all activity until this matter was handled as XXXX XXXX XXXX XXXX Estate h as sent several request for validation of the loan and disputed the amount that was said to be owed. On Friday the XX/XX/XXXX CHRYSLER CAPITAL hired a henchman to steal the XXXX XXXX XXXX and secure at the business known as XXXX XXXX XXXX XXXX , who are in possession of stolen property and will be included in the lawsuit against CHRYSLER CAPITAL for breach of contract, theft over {$5000.00}, trespass on private property, and violations of the United States Code, Title 12, Sect. 24, Paragraph 7, violation of the Uniform Commercial Code 3-603 ( tender of payment ) 3-604 ( Discharge by cancellation or renunciation ) 3-108 ( performance or acceptance under reservation of rights ) and the United States Constitution.
see the following cases : C.E. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX I signed papers for a XXXX XXXX XXXX. The finance manager at XXXX of XXXX XXXX told me that this was a simple interest loan and to minimize interest pay it on a biweekly basis. My child got really sick in XX/XX/XXXX and was sick for 3 years which resulted in alot of medical bills. When I realized there was a problem, I called Santander - they have on their website that you can get lower payments which lowers the interest. The agents only offered to roll the payments to the end. They did this with 8 payments. Unknown to me at this time was the reason for the issue with the account was due to the payments being applied to interest only. No matter how many times I asked what happened to my payment and why isn't the balance going down, it was always a snarky response about my not making my payments and how can I not understand what a simple interest loan is.
Normal simple interest loans have an amortization schedule that shows over time the balance getting smaller - how more and more of the payment goes to principal and less to interest.
When I received a payment statement from Santander, I noticed that there were several payments that were applied only to interest. These interest only payments resulted in late payment charges and default notices.
A significant thing I noticed was there was a period of about 15 months where it didn't matter what I paid, it went to interest only. This has happened several times, and it is believed will continue to happen. That is not a true simple interest loan. Someone is profiting from my detriment.
Santander also holds the GAAP insurance and the agents have already told me that my payment history would be used to deny any claims that would arise. Again this is not fair because I had no idea that so many payments were posting to interest and trying to get answers from a customer service agent is impossible.
After review of the payment statement - as of XX/XX/XXXX I have paid {$23000.00} on a car loan for {$22000.00} originated in XX/XX/XXXX for a used XXXX XXXX XXXX. The current payoff is {$17000.00}. Of that {$23000.00} only {$5700.00} went to principal and {$17000.00} went to interest. Of which over 24 payments were applied to interest only which generated a late fees and they generated a default status on the account. This creates a negative credit report which means I can not trade in the car. With a payoff of {$17000.00} on a car that is valued at maybe {$4000.00} ( XXXX XXXX shows a value of {$2100.00} ) - no dealership will accept the car as a trade, in other words, they can not get me out of this loan.
When Santander did grant lower payments in XX/XX/XXXX, the documentation they had me sign has a clause in it that states that I will be paying more in interest. I had no idea that what that meant was I would continue having interest only payments that would have no effect on the principal balance. This means that based on the loan will never have an end.
When I call I do not get answers. Just that my payment history XXXX and its a simple interest loan. The way the customer service agent talks to me it is as if I am too XXXX to know what a simple interest loan is. A normal simple interest loan would have an amortization schedule showing how payments are applied over time more of the payment is applied to principal and less to interest. That is not the case with this loan. There is no rhyme or reason to how these payments are posted because there is no consistency.
I have not be able to get answers on why the payments are only posted to interest instead of a portion applying to the principal. The way Santander applies the payments, it appears that I am not making payments and they always show me 30 to 60 days even though a payment is made monthly.
The car is only worth {$4000.00} and is leaking oil. With Santander posting so many payments to interest only, the loan will never be paid off. I have considered bankruptcy but that won't help me considering the car wont last until a bankruptcy would be discharged.
|
| 08/24/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Santander is reporting a repossession for this account, in the amount of {$10000.00}. It is true that I co-signed the loan on the car. The person I signed for was in an abusive relationship and my wife and I felt like she needed some help. It was not the wisest thing to do, but it seemed like the right thing to do at the time. It wasnt long after that she disappeared with the car. She made regular payments on time for about a year and then the problems began.
The real issues begin once the car was repossessed. I am not disputing their right to repossess the car if she wasnt making the payments. I am concerned that once it was repossessed I wasnt provided notice that the vehicle was going to be sold. I wasnt provided any notice about what it would take to redeem the vehicle. I wasnt provided any notice about when it would be sold. All these are required under Texas Business & Commercial Code Sect. 9.612. Nor was I ever informed of what it was sold for, so I have no way of knowing if the amount they claim is still owed is correct or not. Finally, to add insult to injury the item was then slapped onto my credit report.
This item is under dispute under the FCRA, 15 USC section 1681i, for being inaccurate or unverifiable, because I have no way to know if the amount being claimed is correct. It is also under dispute under the FDCPA, 15 USC section 1692g, because at all points there has been a failure to provide written notice of anything related to the repossession or sale of the vehicle. Had I known of the repossession I would have bought this car to keep this off my credit.
Texas State Law requires multiple things that are not addressed in federal law that I am sure that Santander knows about but none of these things were followed.
Sale/Auction : Your lender can sell your truck in a commercially reasonable manner at an auction or other type of sale. See Texas Business & Commercial Code Sect. 9.610 Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions.. See Texas Business & Commercial Code Sect. 9.611. They did not notify me of the sale.
Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612. They did not notify me of the sale and did not send me the notification.
Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614, None of this was done.
Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625 Consequently, I am requesting that this removed from my credit report as being inaccurate, unverifiable, and under dispute where the creditor has failed to provide proper notice of the items relating to this account.
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX, I am formally requested that Santander Consumer USA validate all tradeline notations they have submitted to the major credit reporting agencies by '' Santander Consumer USA '' for me, XXXX XXXX XXXX, for account number ( XXXX XXXX Santander Consumer USA.
This charge off account is not mine, I never had an Santander Consumer USA that charge off XXXX XXXX XXXX times, and if this alleged debt was mine, no original creditor or collector can show a charge off several times legally month-to-month re-aging purposely this account.
FCRA XXXX ( c ) ( XXXX ) ( B ) ( XXXX ) damages of not more than {$1000.00} for each willful or negligent violation ; and FACTA XXXX ( d ) ( B ) Under FCRA XXXX and FACTA XXXX you have continued to report a charge off month after month on my credit reports.
We both know once an account is charged off the balanceshouldgo to {$0.00} and your insert this in to your profit/loss reports and you can not continue to report the said account as " charged off '' from there forward. By doing this you are considered re aging the account and have willfully violated FCRA XXXX XXXX c ) ( i ) ( B ) ( XXXX ) and are now exposed for ( xX {$1000.00} XXXX for the XXXX XXXX XXXX months you have violated my rights. Now we can settle this matter now or I can seek legal remedies by contacting XXXX XXXX, XXXX XXXX Attorney, Thrift Supervision, XXXX, and my XXXX Attorney General or you can delete the above account and we all move forward. I look forward to your timely response - XXXX Consumer Due to possible inaccuracies in these CRA reports, I must demand that the validation/verification I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX. XXXX XXXX, XXXX Haw. XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX XXXX XXXX Hawaii XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, and Town of XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX. and XXXX v.
XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX ).
And yes, banks/lenders fall up under XXXX XXXX of XXXX XXXX XXXX FOIA XXXX, XXXX XXXX XXXX.
section XXXX, XXXX v. XXXX XXXX. XXXX, XXXX F XXXX XXXX XXXX App. XXXX XXXX Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.
Please know that you have 7 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. There is no XXXX marker to justify a charge off status ( XXXX XXXX times under the FCRA which is inaccurate reporting .Please prove the creditor/bureau is not violating my rights under FCRA-FCBA? XXXX. Billing practices The Truth in Lending Act XXXX XXXX XXXX. XXXX ) When notified of a dispute about information furnished to a CRA,? XXXX ( b ) obligates a person to conduct an investigation
|
| 10/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
As a natural person, consumer, original creditor and executor per 15 USC 7006. Due to the UNITED STATES Bankruptcy of 1933 and passing of HJR192, the UNITED STATES is bankrupt and all debt is the obligation of the UNITED STATES. The bank CAN NOT loan money so why am I paying on a loan? As a result of this documentary evidence I am asserting my rights per my contract and revoking power of attorney by rescinding the transaction and arbitration agreement per 15 USC 1635 due to repeated FDCPA and TILA violations, fraud and all information and representations being false and misleading pursuant to 15 USC 1692e. SANTANDER CONSUMER USA is collecting on an alleged debt that has been paid.
XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
This is fraud, 18 U.S. Code CHAPTER 63MAIL FRAUD AND OTHER FRAUD OFFENSES The transaction is a violation due to being charged a finance charge, which is the sum of ALL charges.
( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
I was charged additional fees for insurance and down payments, I never received the UCC lien paperwork, I never received the 3 copies of the right to rescission and supported documents. The entire consumer credit transaction was complete at signing of the master promissory note, the negotiable instrument. Per my contract the alleged debt is paid in full in accordance with the law 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3.
|
| 07/08/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Chrysler Capital has not responded to my dispute of a charge off they have placed on my consumer report, For a alleged debt of {$9700.00}. I sent a affidavit for the validation of this alleged debt and after a month no response.
So as a Natural Person and the original creditor I am asserting my rights. The unlawful individual actions of CHRYSLER CAPITAL are listed below according to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified thedebt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communicationduring the 30-day period may not overshadow or be inconsistent with the disclosure of theconsumers right to dispute the debt or request the name and address of the original creditor.
Because I have been ignored in my lawful disputes I demand monitary relief for the UNLAWFUL individual actions of CHRYSLER CAPITAL.
So I am also in pursuant of 15 U.S. Code 1692k - Civil liability.
( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
I want {$4000.00} in monetary relief for damages from CHRYSLER CAPITAL.
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, Santander Consumer USA failed to explain to me and I think this is immoral and against the law but what they said to me was on XX/XX/XXXX my remaining account balance was {$6300.00}, but the payoff amount announced as {$6200.00} which today they have no record of the system reporting ( conveniently ). So the reason for the difference was if I had send them a total amount via debt card that day of {$6300.00} we would have been all squared away, But they have a system that allows for the prompt to tell the customer a different amount ( lower ) that is not matching with the balance on the account owed which is obviously what they are fixated on. I'm convinced that even saying to me that they have a 15-day payoff amount it's actually not that and again they are trying to spin their scammy ways forcing the customer to pay all the unpaid interest on the account ( another way for them to take advantage of their customer using simple interest methodology. They repeatedly told me that we wrote down the wrong amount which should have been {$6400.00} not {$6200.00}. The facts are I called the number for a payoff amount on Thursday the XXXX of XXXX and the prompt at that time said the payoff amount is {$6200.00} and it's good until XX/XX/2022. I went to XXXX XXXX XXXX to refinance and the teller asked me to make sure. We called together and all three of us me the teller and my wife heard exactly the same number and day honor till which was {$6200.00} good until XX/XX/2022. and so the payoff check of {$6200.00} was cut that day and send to Santander next day air.The next day Friday the XXXX I called Santander again to check on the payoff amount and the prompt then said the payoff amount was now {$6400.00} and good until XX/XX/2022 Monday the XXXX I called to Santander to check to see if they were processing the check they received from XXXX XXXX XXXX and they said they received the amount and will process asap and that it could take some time. That whole time no one from Santander told me I would be short {$140.00}. They said I would pay off once the check was processed. Today Tuesday the XXXX I called Santander and they said they processed the check however it was not enough to zero the loan out. and I owed {$140.00} because my account balance was higher that the payoff amount? What?! This is what a payoff amount is supposed to be " an honored mount with allocated time it is good for. To which I paid this overwhelming additional amount of {$140.00} using a debit card today with and extra service charge on the phone with Santanders automated billing service .I am so outraged that Santander XXXX forcing me to pay additional interest on top of a payoff amount promised to be good until XXXX. They are not trust worthy and in my mind thieves and scammers and fraudsters. In addition to having to pay a lot more to Santander then asked to pay Santander is are now not apologizing for the mixed total payoff numbers and putting the blame back on me and the teller saying that we did not write down the information correctly on the XXXX.
All of this is adding up to keep me trapped with Santander.
Last year in XXXX I tried to refinance the same vehicle and Santanders title division purposely sent a XXXX and white copy of the original title to CA XXXX to turn it into California title. Just to delay refinancing and time out my refinancing application while paying them interest after interest payments and they will do anything to keep the customer paying Santander Even worse It took 3 months more for Santander to realize that they never actually sent the hardcopy title to California XXXX. In 2022 I had to repeatedly call for Santander to do the right titling process and had to wait 3-4 month s more for them to process the auto title to new state.
Now that my title is ready for XXXX XXXX XXXX to do the refinancing Santander is coming up with multiple ways of trapping me with them and forcing me to over pay what I owe on my account.
|
| 11/23/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2018 I went to a XXXX class in XXXX. I was approached by two classmates XXXX XXXX from XXXX Virginia and XXXX XXXX from North Carolina. They said that I was being investigated for something that my mother and I had done 20 years ago when I lived in XXXX XXXX On XX/XX/2018 a flyer from an investigator was left on my door. picture attached. I have never committed a crime or anything questionable. Ever. And they are complete strangers. I asked them where did they obtain this information, because they are damaging my brand, and my name. I noticed that people were following me. And I wrote A CFPB complaint on XX/XX/2018. I nolonger felt safe in my vehicle, but couldn't voice this, as only my coworkers knew that I was going to XXXX and I would see vehicles tracing me at work and at home at the store, and at my church. This all fit the dialogue that I had with the associate at XXXX when we had the loan agreement. That they denied. After I made the report, the following tactics has changed. Now there is a man that happens to walk around the complex, as I arrive home from church or work. On XX/XX/2018, my daughter and I went to XXXX. She drove her car. We were followed from XXXX to XXXX XXXX. Shortly after we arrived, a couple came in and pretended that they were interested in a vehicle. They got into their vehicle and left. On Sunday, the XXXX, I called Santander and asked them to retrieve the vehicle. My initial statement was that my loan amount was more than I had taken out for the vehicle, after two years. I did not want to disclose that I had an open complaint with the consumer 's bureau. On Tuesday, XX/XX/XXXX, at XXXX there was a man standing out by the exit where I typically exit. I took pictures of him. He saw that I was filming and he ducked his head and briskly walked around to another building. The same day, I noticed that every time I left my building, cars would circle like sharks. And people would just so happen to be standing where they could get a good view. One of which was a bald, XXXX man with glasses. I called Santander at XXXX XXXX and I requested that they pick up the vehicle because I no longer felt safe, and I had already filed a complaint against XXXX XXXX. They responded quickly and gave me the appropriate information. On Wednesday, XX/XX/XXXX, the tow truck Driver came got the vehicle at around XXXX. After they picked up the vehicle, I took the tags to the DMV. While on my way, I saw the same man that was standing outside of my job, ( XXXX with glasses ) driving a green pick up truck, a young lady was beside him, filming me with her cell phone, When I acknowledged using eye contact a nod and mouthed I see you. She stopped. Beside me was a XXXX XXXX police squad car. The driver was wearing a yellow neon jacket. I turned into the DMV. And went in. When I got into the DMV, Santander called me. I ignored the call. As soon as I got out, I called them back, and parked in the adjoining parking lot. Next to a XXXX XXXX XXXX. A man was in the car. Within watching distance, the XXXX XXXX police car pulled up and the driver just watched me. So all of a sudden he steps out, and 'looks under the hood. ' Plate number XXXX. I have pictures. When I got on XXXX, the police car followed me. There was a large truck between us, that it attempted to use for cover. I turned into the left turning lane at XXXX XXXX, and turned into the shopping center, and went home. This leads me to believe that this is XXXX 's doing still. About a year ago, she had asked me if I changed my hair. And I had went from really curly to extremely straight. Although I wouldn't leave Santander out. I separate complaint will be filed. Which ever company is trying to use fear tactics. They have used people to come into my church and watch and record me. And this has been going on for more than a year. The associate at XXXX said that they would do things like this. And I am a XXXX woman with XXXX children in today 's society.
|
| 03/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I originally bought my car through a dealership that said all I qualified to purchase/finance my car through Santander Consumer USA at XXXX % interest. I was told by Santander that my payment was due on the XXXX of each month starting on XX/XX/XXXX. I have usually paid by the XXXX, but when I have not, I noticed excessive fees. After continuous conversation with many different Santander representatives over now 3 years, the truth has gradually come-out. One of the most disturbing pieces of their undocumented information they do not supply their clients is : Is that if your payment is due by the XXXX of every month, you have to pay 3-5 days before ( even if you pay online through their website the same day on due date ) that not only XXXX per diem ( high interest ) but a second per diem is added to the payment and overall loan ( if not paid ). With that said, the whole time that I was paying by the XXXX of every month, I was incurring a separate per diem of high interest, on top of my 19 % ( related to my payment ), & if not paid after the XXXX, a double per diem ( from the first per diem, plus 19 % ) is added to the payment. I feel this is predatory! Also, the high payment I had been paying, including undisclosed XXXX & XXXX separate high interest per diems, plus late fees if after the XXXX, none of the payment that I had been paying ( even at 19 % ), had not one-cent of any principle deducted from the balance. The original financed amount was {$22000.00}. After paying {$530.00} ea. mo., for over 3 years ( of course some months I was late-as referenced above ), and paying over {$16000.00} dollars, the balance is {$22000.00}, plus an outstanding balance of {$5000.00} interest only, as from XX/XX/XXXX ( onxe figured-out & complaining to them for nor briefing on this grave information, or supplying a consumer finance handbook, or stating all the pertinent associated high interest fees, per diems, not paying XXXX days before actual payment due date, and no principal whatsoever ) I decided to go into default with them. I continued to ask Santander Consumer USA why all this has come-out over three years time and not up-front in the beginning stages of the original relationship, but they remain silient on these very important and crucial issues. Currently I have paid {$16000.00} in three years, my balance of my financial loan is {$22000.00}, plus {$5000.00} dollars in default payments, XXXX add-on high interest per diems, plus late fees, and now damaged credit, with the value of the vehicle at {$11000.00}, and with tried breach of force/violence repossession by independent contractor tow company, ( I have XXXX separate police reports on file as the independent tow contractor tried to complete repossessions in a " breach of peace '' manner through physical contact and violence. At this time, I refuse to pay {$5000.00} more dollars of none agreed interest only payments to be in good standing with Santander Consumer USA because if my balance is {$22000.00}, I 've paid {$16000.00} over three years of the agreed 72 month contract with non agreed no principal, my actual loan balance is {$38000.00} dollars only in 3 years, not including the remainder four years still due for the life of the loan. This I feel is devastating. Its fraud. It is predatory practices for gain of superior profit to the lending institution. I feel that even if I were to submit to the repossession of my vehicle, that after it goes through the auto auction process, the institution, Santander Consumer USA will then still make me responsible for the balance of what the vehicle will be sols for on the auto auction block, approx : XXXX-XXXX dollars, I will be still be required to pay the difference of yet another approx : {$12000.00} dollars or more, regardless of what I have already paid. This is completely unfair. It has destroyed my credit on top of all this current problem. A solution would be to hold the predatory lending institution accountable.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In reviewing the provided XXXX credit Report forwarded to me furnished by XXXX dated XX/XX/XXXX ; when concerning Santander Consumer USA, it is clear the data is inaccurate and holds discrepancies. The report lists the date of first delinquency as XX/XX/XXXX. In comparison to the XXXX Credit report pulled XX/XX/XXXX the first date of delinquency is XX/XX/XXXX. Moreover, as seen in the billing documents provided to me directly from Santander CONSUMER USA, the date of first delinquency is listed as XX/XX/XXXX. Though Ive furnished these documents in several occasions XXXX refuses to properly update and remove the inaccuracies although they are aware the credit age exceeds 7 years and have also been advised the car was stolen in XX/XX/XXXX shortly following the primary account holders ( my brothers ) diagnosed XXXX XXXX. When speaking with an XXXX customer care rep XX/XX/XXXX I requested the date when the date of first delinquency was altered as I previously recalled the account being reported prior to XXXX. I was advised the representative could not access my earlier historical payment history as all creditors/lenders reportings automatically roll off a credit file after 7 years. However based on the provided credit reports XXXX managed to remove 2 years of credit history in roughly 9 months and is clearly being dishonest about having accessing to prior account information.
I co-signed on a vehicle financed by Santander in XX/XX/XXXX. Unfortunately my brother XXXX, the primary owner was admitted to a XXXX institution following our little brothers XXXX. During the time I was the resident of a XXXX treatment center and my brothers vehicle was stolen. My family was distressed by the sequential tragedies between myself, and my XXXX brother. They were not properly notified until years following XXXX XXXX. Several instances throughout my XXXX I attempted to sort out the issues but due to recurrent relapse it was extremely difficult. My brother and I were both victims of identity theft. I contacted Santander XXXX and requested information on the vehicle to proceed with notifying authorities. In XX/XX/XXXX Santander provided me a historical payment history displaying the first delinquency date as XXXX. They also forwarded a copy of the correspondence the sent to an unknown address in Arkansas which was provided to them from the thief of the vehicle. They are fully aware the vehicle was stolen and yet continue to report the inaccurate and differential vehicle history which is damaging my entire life. In XX/XX/XXXX, Santander Consumer USA was found guilty of falsely reporting derogatory remarks on millions of there customers accounts. ( specifically altering the date of last delinquency and closed accounts ) Ive contacted all three bureaus and Transunion has since removed the account. XXXX is in process and XXXX REFUSES TO REMOVE THE INACCURACY, Though Ive supplied the same information to ALL THREE bureaus. XXXX also refuses to remove several inaccurate reports on my credit file, while both XXXX and XXXX stated they received my initial fraud dispute from XXXX XX/XX/XXXX. XXXX and Santander are deliberately ignoring the guidelines and laws that protect consumers. Santander reported my accounts differently to ALL THREE BUREAUS.
XXXX also upholds that the bankruptcy they claim XXXX XXXX has listed is owned by myself. I have attempted to resolve this falsely reported bankruptcy. I contacted XXXX XXXX and disputed the information and was sent a correspondence stating there were no records for me. Again both XXXX and XXXX have removed the false report as all three credit bureaus verify records via XXXX XXXX and there is no such accurate record. For several years Ive fought against this and its caused an unnecessary amount of additional strain on my recovery. To date, XXXX is the only 1 out of the 3 credit bureaus that continuously fails to ensure my credit is properly reported.
|
| 02/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My son purchased a Vehicle in or around XX/XX/XXXX. The vehicle was a XX/XX/XXXX XXXX XXXX, which was financed with Santander. We received our first statement dated XX/XX/XXXX, showing a payoff of {$14000.00}. At this point, no payment has been made, the statement was for the 1st payment which had a due date of XX/XX/XXXX.
I was making my sons car payment, he had become unemployed after we purchased him the vehicle. I made the payment of {$380.00} that was due for the XX/XX/XXXX payment.
On XX/XX/XXXX my son was in an accident and the vehicle was determined to be a total loss. I contacted Santander and advised them on XX/XX/XXXX that the vehicle was a total loss and inquired if I should make the XX/XX/XXXXpayment or not. I inquired as, we had full coverage and GAP insurance, at that point I knew the vehicle would be paid in full regardless of my making the XX/XX/XXXXpayment. I was advised by Santander not to make an additional payment.
My insurance company issued a check to Santander on XX/XX/XXXX in the amount of {$13000.00} ck no. XXXX payable to Santander total loss. The insurance check plus my XX/XX/XXXX payment was enough to pay the loan due in full. While I was reviewing my documents to cancel the GAP insurance, GAP was never required since the insurance paid the loan in full, I realized that Santander received an additional payment from my insurance. On XX/XX/XXXX, {$1100.00} was issued on ck no. XXXX to Santander.
Today, XX/XX/XXXX, I called Santander to ask why they collected, in total {$15000.00} on a vehicle that had a payoff of {$14000.00}. I received a payment detail report, which was intended to explain this to me however, the report also showed an amount due of {$13000.00} with various payments applied and reversed that didn't match the actual payment records. As of today I have spoken with three ( 3 ) people about this. XXXX ( customer service rep ), her manager XXXX XXXX, and another CSR named XXXX. None of these reps could explain how they applied these funds to the payoff and how the payoff exceeded the contractual amount. I understand accrued interest, CA is a fee simple state and I'm aware of the per diem. The only explanation I received was the additional payoff amount was for accrued interest.
By the time I spoke to XXXX, he looked " further '' into the account and explained that what had happened is : An adjustment was made in their system to reverse the XX/XX/XXXX payment I made, this was done on the grounds that payments aren't to be posted on vehicles in a " total loss '' state. Still don't understand that since it was for a XX/XX/XXXX payment, due before the loss?? So, a rep in Santander went into the accounts records and manually reversed a payment that they had in fact received and cleared. Upon doing that, it now showed that the account was not satisfied with the payoff initially received from my insurance in the amount of {$13000.00}. XXXX then explained that as a result, they accrued interest from XX/XX/XXXX through XX/XX/XXXX when they requested an additional {$1100.00} to satisfy the account.
Now that to me is a clear case of falsifying account records. Santander was paid in full with the initial payoff. I was never credited back the {$380.00} that was " reversed '' from my account and, The {$1100.00} was erroneously accrued on account of the " reversal ''. To date, I've received no credit back from Santander, not for my payment that they " reversed '', not for over collecting on a payoff, nothing. They have also refused to provide me a break down of the payoff so I may review it for inaccuracy. I've not been allowed to speak with a Payoff department, or anyone that can field my complaint about falsifying financial records. I'm asking for your assistance in highlighting this significant short coming in financial accuracy and responsibility as well, to recover the funds that were inappropriately collected by Santander.
|
| 10/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I obtained a car loan for {$19000.00} from Santander XXXX XXXX through XXXX in XXXX of XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with Santander XXXX XXXX over payment arrangements during this time.
On XXXX XXXX, XXXX, Santander XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off.
My complaint today is concerning Santander XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move.
To make matters worse, I received a letter dated XXXX XXXX, XXXX XXXX SEE attached copy of letter XXXX 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX XXXX the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XXXX XXXX, XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called Santander XXXX XXXX to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}.
I 'm just complaining more so today about Santander XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter XXXX SEE attached letter XXXX dated XXXX XXXX, XXXX that THEY 'VE SOLD my ALREADY CHARGED-OFF LOAN to XXXX XXXX XXXX XXXX XXXX on XXXX???!!! Further, the letter states that XXXX XXXX XXXX XXXX XXXX now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!!
How is this XXXX remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What 's really going on here?? How can XXXX XXXX XXXX XXXX XXXX OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! Furthermore, it is even illegal that Santander XXXX XXXX was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!!
I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated. I will also be notifying the Attorney 's General in the states where Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are located.
In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Bank XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that Santander XXXX XXXX furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing XXXX or should have known XXXX that this information was incomplete or inaccurate??? And so I 've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! or Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
|
| 05/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I have continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me that I would make my payments to Santander under the same terms of my original contract with Gateway One.
Once I received the letter from Santander Consumer USA, I contacted them to inquire how to activate my account online ; I was informed I would not have access to an online account because of my bankruptcy filing in XXXX and I would need to call in every month to make my payments.
During this first phone call in XXXX, I asked for my payment history to be sent to me because there was a significant discrepancy in the payoff amount Santander was showing and what I was told by Gateway One Lending when I spoke to them in XXXX and it was over a {$1000.00} difference ; Santander saying I owe more than what I was told I owed by Gateway One.
Approximately 2 weeks after my first phone call, I received a printed payment history from Santander followed by a second letter from Santander, dated XX/XX/XXXX stating the following : Dear [ Name Omitted ], Gateway One Lending XXXX XXXX XXXX. ( Gateway ), a XXXX XXXX XXXX XXXX, recently transferred the servicing of their vehicle financial accounts to Santander Consumer USA Inc. ( Santander ) and ceased operations. You may have received a communication from Santander, dated XX/XX/XXXX, related to this activity. Due to the above-referenced account being closed and resolved with Gateway, the communication was sent to you in error. Your account should not have been included in the communication from Santander. Please disregard any previous communications.
Please note that neither Santander nor Gateway will pursue collections on this account.
We apologize for any confusion this may have caused.
Sincerely, Gateway One Lending XXXX XXXX, XXXX. And Santander Consumer USA Inc.
After receiving this letter, I called Santander and was told BOTH LETTERS I received from Santander were sent to me in error and I should disregard them. I asked if I would be receiving that in writing and the rep did not have an answer except to state, again, both letters I received from Santander were sent to me in error. The Santander rep had no further information for me so I ended the phone call.
I called again at the end of XXXX to inquire about making a payment and the automated system said I owed over {$1000.00} in payments. I continued to make the payment I originally planned on making, {$400.00}, and requested to speak to a representative. The representative proceeded to argue with me about missed payments that I was showing were in fact made and then denied that Santander ever sent me a payment history. I told the representative that I had the payment history in my hand, on Santander Consumer USA letterhead, and I am looking at the 2 payments she was saying I did not pay. The representative then told me to hold on to speak to finance services and after about 10 seconds the phone disconnected. I immediately called back and reached the same representative who told me there is no one to transfer you to in finance services ; she only placed me on hold. I again started to explain that the payments she said I owed, I actually see on the payment history Santander sent me and she again told me Santander never sent me a payment history. By the end of that fruitless phone call, I was told my information would be passed on for review and someone would be getting back to me to clear this up. It has been over a month and no one has contacted me ; Santander is still saying, through the automated message, that I am {$1000.00} behind in payments which is not true.
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Good Morning XXXX XXXX and Board Members, ** Please note that this email is being drafted as i wait " on hold '' for a representative to assist me.
Issue : - Once again, my car has been incorrectly repossessed due to negligence on individual ( s ) within your company. As a result, I have had to take leave from employment in order to address this issue. ( Loss of Wages ) Premise : - On XX/XX/XXXX, I made an outbound call to ( XXXX ) XXXX with regards to the status of the account. I spoke with XXXX in your Assistance Department who advised that the account was 68 days past due. At this time, I was also advised that the account had previously been " credited '' with misapplied payments.
- I was advised on this call that my account was 68 days past due. I was never advised on this call that my account was in Repossession status,.
- I was advised to pay {$1000.00} in order to " clear '' and update the account. I advised XXXX XXXX that the payment would be made via my Visa Debit Card ending in XXXX. She advised that it would be documented. The call ended.
- Starting on XX/XX/XXXX I began receiving automated phone calls for a XXXX XXXX. I did not attempt recontact with your company, as this had previously occurred during the months of XXXX and XX/XX/XXXX.
- I awoke on XX/XX/XXXX to once again find my vehicle repossessed. When I called to inquire, I was treated with disregard once again ( see previous complaint filed XX/XX/XXXX ).
At current time of drafted email, I have spoken to the following agent ( s ) : - XXXX ( Front-line Representative, Reinstatement Department ) Action : Was very rude, transferred me to management - XXXX ( Manager, Reinstatement Department ) Action : Opened Complaint Case : XXXX - Persephone ( " Manager '', Office of the President ) Action : Non-compliant to consumer need, transferred the call instead of honoring request to speak with her management team. Transferred call back to Reinstatement Department. On this call, she did advise that the account had been " reviewed '' by another department. If this is the case, then why were the notations of I, the consumer, not reviewed and the call reviewed prior to placing the account in such status?
- XXXX ( Vice President, Reinstatement - XXXX, AZ location ) Action : Extremely combative when he initially opened the call. I repeatedly had to request the previous call to be pulled. Once he pulled the call, he came back and then tried to alter the state of the call, stating that the agent " implied '' that the account would be current but did not implicitly state it ( semantics of words ). He also said that there was a returned payment, however if this was reflective on the account then the agent I spoke with on XX/XX/XXXX would have addressed it as well.
Asked me what I was willing to pay, advised of fraud on my checking account, that I would be able to pay the promissory note by XX/XX/XXXX. He then advised me that the account balance was $ XXXX, and that that needed to be paid. Stated I had 10 calendar days to pay or call would be sold I then had to ask a clarifying question of when the car was repossessed. It was then that he advised according to the records, it was taken on XX/XX/XXXX, which would make it outside of the allotted time frame. When confronted, XXXX XXXX said he would '' place a hold '' on the car.
Requested Resolve : I am requesting that your company honor the call made on XX/XX/XXXX in which I was advised that the account was not in danger of repossession. By the timeline outlined above, it appears that the company willfully and intentionally processed these transactions in order to absorb additional monies. Please note that there is a documented history of these types of behaviors, stemming from the State of Pennsylvania and Massachusetts.
I eagerly await a response from someone within your organization.
Respectfully, XXXX XXXX, XXXX, XXXX.
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due the pandemic i missed to pay my monthly amortization because of the pandemic and im unemployed and im victim of wrong-termination to my job.But i tried all my best to pay my bills.But its tight for me to pay my monthly obligation.i paid this company by XXXX the amount of {$650.00} then, XXXX i registered the car even late and i paid the extra fee.I paid all my bills to divide if i have extra money.That time i dont have any idea whats the important and how to ask help coz im new here in united states all i can do is worked and worked but i report all the company i lend that im still unemployed.The MONTH OF XXXX i got my new job so i report to the company that i have already job then as soon as i get my salary i start to pay.So at the month of XXXX i started to paid my monthly bill as partial of the amount of ( {$700.00} ) and the month of XXXX i was shocked coz other company came by to our apartment to forcefully to pull and repossessed the car without warning that they repossessed the car.And i was called the company and asked to them thatother company are here to pull the car and why? coz i paid you last last week and if i let to take my car how could i go to my work without car and this is my first job and the location is too far and if i cant go to my work how could i pay my bills if you dont give me a chanceand they give me a good condition but before i agree to take the car coz they saidok just let the car and call us the company tomorrow and where open at XXXX and i let you know that where you gon na get the car coz the company sold your car to other company and i do my best to help youbut i asked how about by tomorrow if i call then ask my car and if they ask me to pay my balance and that the chance to get your car.and if happen that I couldnt pay coz you know that was i told you this is my first job and im broke right nowand agent said no i put here in my report about what we talkso i let it then I sacrificed to take the XXXX to get me in my workXXXX XXXX XXXX XXXX XXXXthen i called the company at XXXX and other agent again that i was talked, so i explain my side and my situation and I thought she understand me but i was wrong coz she hurt my fellings instead she gon na help me.she said dont get loan if you cant pay.And ii said, if i know this is happen i dont partial to pay my bill.thats why i feel so down, depressed and i felt insulted thats why i asked to my employer to lend me to purchase a used car but the car i bought gave me hardtime always broke so I returned and purchased another car it same thing and everyday spend money to the car and i was so broke coz all my salary spend nothing and i asked again to lend me to buy another coz i need car as for my job.And the month of XXXX the company called me to pay the balance and i said if i pay that amount Ill take my car? ( {$14000.00} ) and they said NO and why i pay if i cant get my car and when the time that i asked a favor to give me chance and never allowed me instead to help me but the hanging me.And i said i ask to someone what im gon na do about my situation and i dont give a comment coz i dont have any idea about my rights and im here to my work right now.Then i check my report and Ive noticed there is error to my acount.I notice my acount it was closed to the MONTH OF XXXX and my last pay DUEDATE it was XXXX and no payment.and the other report closed to the MONTH OF XXXX and i cant see my there my monthly payment amount the interest of my payment.And i was confused coz my payment of the MONTH OF XXXX AND XXXX was missing.And for now i cant answer their call coz i dont know what im gon na do? if i could pay my balance without the car an me?
The company that i complain is : SANTANDER CONSUMER USA Acount XXXX Contract XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX following repossession company XXXX XXXX SERVICE : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 11/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Almost XXXX years ago I made my first purchase of a car. I needed a car at the time for XXXX reasons, XXXX I no longer wanted to depend on anyone taking my grandmother places. At the time I was getting her rides from a city funded company called XXXX. This company was very unprofessional and not really dependable. At the time my grandmother was XXXX so I was always concerned with how they picked her up and dropped her off.. I vowed never to allow her to go through that again. The other reason I needed a car is because after being out of work for a while I was finally able to find a job but the job required me to have a vehicle so I went to XXXX and attempted to see if I could get a loan. I was greeted by a young guy named XXXX and i explained to him my circumstances. I made him aware that I was on a limited income working from home and I was trying to get a better job. He gather ed all my information and said he wold get me in a car with no problem. I should have known it was to good to be true. First he had me sign all these docs with thout clearly going through the information listed in them. I blame myself how ever I was naive and really just wanted a car. I was never given a chance to pick a car to my liking which means he selected a car for me that was standard but I was charged for options I did not receive. To finalize the loan he said I would need a cosigner just to get a lower interest rate. So I begged my mother to help me cosign for this car. Now because I didnt have to put any money down I didnt think this was a bad idea but I quickly found this was not true. So my mom, who had her reserves, signed for me and i walked off the lot in a new car. Not the car I wanted but he told me I had to take this car since he was doing me a favor and getting me a loan with no money down. The day I walked off the lot proved to that i just messed up. I road around for a little while breaking the car in and got to a friends house where I parked. Because it was the dead of winter and dark unknowingly when I parked, I parked on a brick which split my back tire. Contacted the dealer to see what I needed to do to get it fixed. i was told I was not under warrenty and it would be better to get it fixed at a local shop. So I did and I have had tire trouble ever since. Now at the time the job I was going to get allowed me to manage being able to handle the note btu once I realized how much I had to pay for insurance I came to the conclusion this was a bad idea. My note was {$580.00} a month and my insurance was {$200.00} a month because the car was new. My interest rate on this vehicle is far more than whats allocated in the state of XXXX. Ultimately when i do the math on how long I will need to pay on this loan I will have paid over {$50000.00} for a car that was only worth {$15000.00}. I have struggled to keep up with the payments and sadly I have gone many days with out a decent meal in order to make sure this bill is paid. I have in 3 years only been late twice and that 's because I was in the hospital due to complications with my XXXX. I have paid over {$20000.00} and still have way over {$20000.00} more to pay and its becoming more and more difficult because of wear and tear on the car and keeping it maintained. Attempted to trade the car in but could not get approved from any XXXX as this loan has done nothing to improve my credit score which I was told it would be. I attempted to go back to the same dealer to maybe do a trade to help me get a lower note they told me to do a voluntary repossession and they would get my payment lowered by {$100.00}. Needless to say I did not want to do that. I would like my loan to be forgiven because not only have I paid more than its worth but I am now having bad times and I dont want to be forced in to defaulting on the loan. I am also charged {$10.00} every time I make a payment which I was unaware of.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This is yet my recurring complaint as XXXX is not understanding my complaint and abundant disputes as they use people who do not understand English, so I will attempt to explain this again! I am a single mother of a small XXXX child and feel that both Santander and XXXX are ignoring me and my documentation that verifies the facts and that Santander should be banned from posting anything on my credit report and to delete the entire creditor reporting from my credit report and block them from posting anything else on my credit report.
Here are the summary of facts and attached are the documentation as prove : I had and was forced to trade in a XXXX XXXX XXXX vehicle that was purchased at XXXX FL. Since the purchase, I had constant problems with the vehicles computer system and was documented under the Florida Lemon Law and XXXX agreed to Buy Back the vehicle in question. All along I was making all my payments on time as agreed and was never late! Then in discussion we found the Van had a totaled title and should not have been sold to me in the beginning. XXXX offered to swap for another vehicle and I declined as I no longer wanted to do business with XXXX and purchased another vehicle elsewhere after the Buy Back was completed as a trade-in agreement. I was instructed to bring the Van to any XXXX location. Three days later I brought the Van to XXXX in XXXX and they would transfer the Van to XXXX FL to complete the paperwork. XXXX sent me a form to sign and bring with the Van to XXXX on XX/XX/2020 at XXXX that they signed and copied the attached agreement, So I handed over the keys in exchange for the signed agreement that they would arrange with our Creditor ( Santander ) to complete the paperwork. They helped take the tag off and we left the dealership.
Then weeks past, we tried to contact XXXX corporate in XXXX VA on the status of where the rest of the paperwork and acknowledgement they had paid off Santander, but they never responded back.
Several times over the months, we tried over and over again to contact Santander ( Finance company ) the van was a buy back from the dealer on XX/XX/2020, but we could never talk to a human at Santander. On just two occasions we were able to talk with an agent at Santander, but they were very rude and would not listen, they did confirm they received the paperwork from XXXX and this is where we are very confused. So we sent The Santander company a letter ( attached ) with our concerns and copies of the documents several times which have obviously been ignored. We contacted XXXX Corporate executive offices and filled a formal complaint and no response, so I filed another complaint. After filing 4 complaints over 3 months with XXXX we received an email from a XXXX XXXX saying she needed the paperwork and would resolve the matter and we sent them to her immediately, sadly to date we have not received any further responses from XXXX XXXX except they advised they tried to pay Santander and they refused their payment several times.
Now the issues we have are with Santander as they are falsely reporting to the credit bureaus the account is closed as a repossession with XXXX and 120 days late and a balance due. We have disputed the facts with all three of the Credit Bureaus and they keep responding back saying " the creditor verifies the account is valid and accurate ''. All three of the Credit Bureaus have been sent all the related legal documentation and statements which they totally ignore. Furthermore the credit reporting agencies continue to allow the creditor to report false information on my Credit Report in violation of the FCRA laws and my rights to have these reporting removed. We are being held hostage by all this which is legally not fair at all. I have exhausted all known efforts to resolve this matter which MUST be done promptly as this has become a total nightmare! PLEASE HELP!
|
| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX I purchased a vehicle that was financed with Santander. I admit I 'd never heard of this company before, all I knew is that I needed a vehicle & they were willing to finance me. I also admit to having some difficulties with making payments, which I make no excuses for, as I realize I 'm financially obligated to this contract, regardless of what 's going on in my life. I 've also taken advantage of the deferment options Santander has available. As of today, my account is current & set up on autopay.
My issue is in regards to the the company itself & how they apply payments & the collection of fees. There is a {$10.00} processing fee for you to make a payment. The only way to avoid paying this fee is to enroll in auto pay or mail in your payment every month. I 'm aware most companies charge a convenience fee for paying your bill, but never as much as {$10.00}. I am aware that Santander is the subject of a class action lawsuit where this as well a other issues are being challenged. I guess I 'll await the outcome of that.
My account balance was {$13000.00} after I made my first payment in XX/XX/XXXX. Today my current balance is {$13000.00}, with a payoff quote of {$13000.00}. Coincidentally I have a retail extension loan dated XX/XX/XXXX where the outstanding balance is EXACTLY {$13000.00}. How is it I 've made payments on this account every month since then, but I still have the EXACT same loan balance. I 've calculated what I 've paid Santander since the inception of this loan ... .roughly {$12000.00} in interest payments but ONLY {$320.00} in principal payments!!!!! They want another {$13000.00} in payments on a car that 's only worth, at most, {$3800.00}. As you can see, they have gotten their monies worth out of me. Today I was told that I 'm paying $ XXXX/day in interest, as this is a simple interest loan. So that would mean that {$280.00} of the {$380.00} monthly care note that I pay, is going towards interest. No wonder I ca n't get this vehicle paid off, I 'm paying virtually NOTHING in principal payments.
I have tried trading in the vehicle, what I would get towards a trade-in value is dismal and I would still be stuck with paying another $ XXXX in order for Santander to release the title. I ca n't refinance the loan due to the age & mileage of the vehicle. I 've actually had XXXX dealerships laugh at me & tell me " Good Luck '' when they found out who my finance company is. That was about as embarrassing as it gets.
Once again, I realize that I 'm financially obligated for paying for this car. Honestly, I would be ok with giving the car back to Santander and calling it a wash. I would even be willing to pay the vehicle off, at a price that 's more in line with the value of the vehicle ... .taken that I 've already paid for the vehicle almost 4 times over. But what I ca n't imagine is paying another {$13000.00} on this car over the next 3 years!!!!
I also want others to read this review & steer clear of Santander at ALL costs!!!! Unless you have absolutely no other choice, DO NOT take out a loan with this company. And if you do, please go a XXXX search & read all of the reviews so that you know what you ; re getting yourself involved in. This is subprime lending at its best. No one should be taken advantage of the way Santander takes advantage of persons with less than perfect credit. I 'm in a much better position than I was 3-1/2 years when I purchased this car.
I will give credit where credit is due. I was contacted by XXXX with the Executive Complaint Office, and she waived some late fees that were the source of confusion when I attempted to bring my account current in XX/XX/XXXX. However ; she advised me that there is nothing else that can be done to assist me. So today I requested a copy of my loan agreement with Santander & am in the process of researching usury laws in the State of Georgia.
|
| 04/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX XXXX, I financed a car with a XXXX year, XXXX payment loan from XXXX. In XXXX, Santander Consumer USA ( " SCUSA '' ) acquired part of XXXX 's auto loan portfolio and began servicing my loan. On XXXX XXXX, XXXX, SCUSA sent me a Welcome email that attempted to unilaterally change the contract ( attached ). I had just been released from the hospital after surgery for a XXXX XXXX, I was n't in an ideal state of mind to discuss new terms.
I have made all XXXX payments required under the contract ( attached ) and have full documentation of this, via XXXX my bank and SCUSA statements. Additionally, SCUSA has confirmed my timely payments to the credit bureaus ( see attached ).
In early XXXX I prepared to make my final payment ( per my maturity date in XXXX XXXX ) ; the SCUSA website indicated a payoff amount of almost {$10000.00}. Shocked, I contacted SCUSA asking for an explanation. Customer service was evasive and refused to provide any useful information, instead forwarding a copy of their Privacy Policy & Opt-Out form ( attached ) for me to sign. Last month I sent a certified letter to SCUSA 's CEO requesting detailed account information clearly indicating payments made, fees assessed and the basis for these under my original contract with XXXX. I have yet to receive a reply.
A simple review of the numbers reveals the problems with SCUSA 's position. My contract provides for about a {$28.00} fee if my payment is late, so even if my payment were late every time, ( which it was not, as evidenced by SCUSA 's own reporting to XXXX ), the fees over XXXX months would sum only to about {$2000.00}. That 's far less than the amount SCUSA alleges I owe.
The SCUSA payment history ( example attached ) provided to customers is limited and confusing. The catchall notation " Misc. Fees '' makes it very easy for SCUSA to impose unwarranted fees and to seek money that it is not legally owed. The only identifiable fee in the payment history is the so-called {$10.00} " convenience fee '' I have been charged monthly for online processing to ensure ACH payments are timely applied, thus avoiding interest accrual. In other words, SCUSA charges {$11.00} for cashing my check.
SCUSA is notorious for billing irregularities. An internet search reveals thousands of complaints that XXXX have had with this bank for similar issues, and multiple lawsuits alleging inappropriate billing practices. For example, in the Powers case against SCUSA ( XXXX XXXX Santander Consumer USA XXXX Inc., Docket # XXXX, D. XXXX. ) the judge noted that SCUSA 's own Senior Vice President " could not determine what particular payment was applied to what month '' and on the subject of late fees, he " could not determine whether an entry titled 'Late charge assessment ' reflected a late charge or did not reflect a late charge. '' The court said that it could n't figure out the fees either. How can SCUSA 's customers be expected to understand this if the bank 's own executives ca n't? Can companies legally demand payment for money they are n't owed?
In the XXXX case, SCUSA voluntarily agreed to provide the consumer with a schedule itemizing the application of her payments and the effects of each payment on the status of the account. SCUSA also provided details about all invoices and how fees were assessed. If SCUSA can do it for some customers, why not for everyone?
I have asked SCUSA for my automobile title and to confirm that the loan is paid in full, or a clear explanation for the inflated payoff amount. I fear they will provide neither and simply continue to send invoices for money I do not owe.
I do not understand how a XXXX bank can send invoices to customers and refuse to provide any reasonable explanation as to the basis for the charges. I believe I am legally entitled at this time to a copy of my contract noted " paid in full, '' and the title for my car.
|
| 11/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Loan Number XXXX VIN Number XXXX Dear XXXX XXXX : I am writing to you in hopes that you will be able to assist me with a timely resolution to the on-going problems I am experiencing with Chrysler Capital and XXXX XXXX.
I did not receive a statement for XXXX/XXXX/XXXX. It is unclear when the loan was assigned to Chrysler Capital? Please provide me with the date of transfer? Your staff told me that I needed a court order for that information.
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly.
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly.
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. Payment shows short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately.
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. Payment shows short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately.
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately.
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors in order to justify fees charged. Please correct this immediately.
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately.
Payments of XXXX/XXXX/XXXX through XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make necessary corrections immediately.
Payment of XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make necessary corrections immediately.
Payment of XXXX/XXXX/XXXX - Principal/interest is not applied correctly in order to justify fees charged. Please make the necessary corrections immediately.
Payment of XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make the necessary corrections immediately.
I have been instructed by many of your Chrysler associates to " contact an attorney or get a court order for the information I am requesting ''. ( This by the way is illegal as I am entitled to said requested information ). Per their direction, I have done so. My attorney asked me to make one more attempt to resolve this directly with Chrysler Capital and XXXX XXXX. This letter serves as my final attempt to resolve this with you before taking formal legal action.
II was told by one of your associates that XXXX XXXX made changes to the contract without my knowledge which again is illegal. When I asked for documentation, I was told that it was in the transcripts ( which again as a co-signer I am legally entitled to ). When I asked for said copy of transcripts in which they were referring to, I was again told that I would need to secure a court order to obtain.
My attorney questioned " who is actually under contract and its validity ''. The documents that I signed indicate that I am the co-signer. The extended warranty purchased is signed by XXXX XXXX.
It is unclear to me how I could have been the co-signer and more over the buyer. I am currently unemployed and was not employed at the time the car was purchased I had no money in any bank account ; nothing to support the purchase of a new car. It appears as if the sale of a car outweighed basic loan approval principals that would clearly indicate that I would be unable to pay for said vehicle.
I have requested previously and am doing so again via this written demand, copies of all documents related to the contract, loan work up sheets, credit report, loan approval, loan assignments, contracts etc. XXXX XXXX states that they did not have all the documents required by law in their files. XXXX
|
| 12/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
To CFPB, The actions of Santander Consumer USA have been in my view criminal. I was made the executor and administrator of my fathers estate by the State of California. All I am asking for is the title to my fathers vehicle, any over payments and to put this situation behind me. Please help CFPB.
I have been my fathers legal XXXX and in charge of his finances since XXXX of XXXX til his XXXX in XXXX XXXX. Because of the seriousness of his illnesses I helped my father set up automatic payment plans for all his financial obligations which included Santander Consumer USA. Due to my fathers declining condition I spoke with XXXX XXXX on XXXX/XXXX/XXXX from Santander and have a paper trail that my fathers financial obligation to them was fulfilled on XXXX/XXXX/XXXX as per the agreement XXXX XXXX from Santander Consumer emailed me.
Since my fathers XXXX every call to Santander has been a multitude of excuses on why they can not send me the title. They either have to talk with someone who never happens to be there or another dept to get approval and return my call which never happens. Depending on who answers my call from Santander they also use the excuse of not being able to talk with me about the account. They have had my Power of attorney paperwork on file and have communicated with me for years prior to my fathers XXXX. I had to give up out of frustration, grief and life.
So last week, I decided to give another attempt on XXXX/XXXX/XXXX hoping. I spoke with XXXX XXXX, he said that he would be able to help me with the title if I sent him the proper information that day. I reminded him that they should have a copy of my Power of Attorney on file. I emailed him my fathers XXXX certificate and XXXX from Probate Court showing I am the administrator of my father estate. On my return call he said the individual was not in the office to approve the release of the title and that another dept would need to approve the XXXX. He said that I would need to wait 48hrs before calling back.
On XXXX/XXXX/XXXX 48hrs later I spoke with XXXX XXXX and he said that he could not release the title because there was a balanced owed. I could not believe what he was saying. I asked if he could send me a statement, he said that he could only give it to me verbally over the phone! I questioned how a bank could want to collect from an account without a statement and only verbally give it to me information over the phone. He asked if I had any Santander statements from my fathers account and I told him NO to see what he would do.
He emailed me a balance of {$8000.00} dated XXXX/XXXX/XXXX as if my father did not pay a dime of {$6000.00} from the original agreement. At the time I spoke with XXXX XXXX on this Settlement Agreement Offer. He agreed to give us the title after the payments were made. I do not understand how rationally they think they can keep receiving payments on a car purchased 12 years ago. XXXX XXXX thought I was completely in the dark and would be able extort my money from my family. This company is a step below street mobsters and loan sharks.
Please CFPB let me know if you will need any other information, I didnt want to attach 4yrs of statement but if you need them let me know. See attached : 1 ) Settlement Offer Agreement-Payment Plan dated XXXX/XXXX/XXXX emailed by XXXX XXXX from Santander Consumer USA about the conversation I had with XXXX XXXX on XXXX/XXXX/XXXX 2 ) Bank statements and email verification showing payments were made according to the agreement, last payment made fulfilling financial obligation on XXXX/XXXX/XXXX, I also see a payment made after they were paid in full on XXXX/XXXX/XXXX 3 ) Fathers XXXX certificate and XXXX showing I am the executor and administrator of his estate.
4 ) Statement from Santander trying to get my family to pay again even though we have already paid in full in the amount of {$8000.00}
|
| 03/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I am an XXXX XXXX who has been XXXX XXXX for 10 years now with XXXX XXXX to XXXX and XXXX. I am under contract and closing on a home in less than 30 days. My fico score is XXXX points shy from getting into this home. By adding my current Santander ( Chrysler Capital ) account as a trade line to my Credit Report it will help bring up my fico score over XXXX points. Now my only solution is to use my ENTIRE savings account to pay down a credit card, which does report as a trade line, in hopes to possibly gain XXXX points.
I made a request to Chrysler Capital to report my account to all three credit bureaus. They stated that when completing their due diligence they pulled my file which showed I was XXXX XXXX so they will not report my account. They stated the FCRA will fine them if they report my account. I am very upset, as I am a customer who always pays on time. This is hindering me from getting into a home along with other soldiers out there who are trying to establish their credit.
The secretary of the Vice President stated, the only way they could report my auto loan to all three bureaus was if I had my Commander write in a Command Letterhead that I RELINQUISH my rights to be protected under SCRA, then they will report my account. As a soldier, who has never requested the use of SCRA in the first place, then be advised to give up my rights to be protected by the SCRA in order for them to report my account to the credit bureaus was very offensive. It concerns me a great deal this company would even suggest this to XXXX military members in any given situation.
Santander ( Chrysler Capital ) reached out to me today XXXX/XXXX/XXXX. The lady in the Vice President 's office stated their position as, " Since they can not report bad credit per the SCRA guidelines, their policy is to not report credit to the bureaus at all for soldiers. '' She then began to ask me if I wanted to take advantage of the 6 % CAP on my interest rate per the SCRA guidelines. I was enraged they asked if I wanted a 6 % interest rate as a penance for them not reporting my account to the credit bureaus. By SCRA guidelines, I am not eligible for the 6 % CAP. I know because this is n't a loan I incurred prior to joining the military and/or do not lack the ability of paying my current 12 % interest rate through Santander ( Chrysler Capital ).
I have XXXX XXXX XXXX in my office right now that recently purchased a vehicle with Chrysler Capital ( Santander ). After briefing them on my situation, they are now extremely concerned their vehicles may not be reporting to their credit reports to aide them in establishing or fixing their credit history. If Santander ( Chrysler Capital ) is n't reporting XXXX military member 's credit, I believe we should have the right to know prior to them financing our loan. This could hurt young soldiers who are trying to establish their credit but due to them serving their country, Santander ( Chrysler Capital ) is refusing to report their account to the credit bureaus. Also, I hope soldiers are not getting lured into the idea that Santander ( Chrysler Capital ) provides a 6 % interest rate CAP to all active military members, as this is untrue.
As a side note, before I traded in my car XX/XX/XXXX my previous auto loan was through Chrysler Capital as well and it reported to my credit report. The only reason Santander ( Chrysler Capital ) is not reporting my current auto loan to my credit report is from their due diligence. They stated they pulled my file, ran my Social Security Number to see if I was XXXX military, and put a block on my account for my auto loan to be reported to a XXXX credit bureaus ( they said this is required per the SCRA ). I am submitting this complaint to shine light on the fact that Santander ( Chrysler Capital ) discriminates against XXXX XXXX member 's by not reporting to the bureaus.
|
| 11/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
XXXX reported XXXX ( 30 ) days on my credit report for XXXX, XXXX and XXXX XXXX. I reported them to the California State Attorney 's General Office and XXXX XXXX, XXXX they were removed due to my complaint. Again, Santander is reporting a 30 day late with XXXX and XXXX. Again, they have my credit Hostage. Our payments are due on the XXXXXXXXXXXX. The next three payments were for XXXX over the minimum. The XXXX paid on XXXX XXXX, XXXX paid on XXXX, XXXX paid XXXX. They are reporting that the XXXX payment is 30 days late!! None of these payments are 30 days late.
I did a response dispute to Santander 's incuarrate pay off amount and Consumer Financial is only allowing ONE BITE OF THE APPLE.
Santander had to delete ( XXXX ) 30-day lates in a row late, s because the account was paid 4 months in advance not because my last payment brought the account current. The last payment did not total 4 months of payments as they admitted.
Santander did not respond to my specific disputes regarding the inacurate Pay off Balance.
Their defense is I do n't UNDERSTAND the Simple Interest Daily Contract Method and I do which is proven in my evidence and the Excel Spreadsheet demonstrating the accurate method without fruad. Santander did not address the Excel Spreadsheet that was provided They claim the first payment was a " Dealer Credit '' and that is FALSE. Even, if, is was a credit it is still treated as a payment and shall be calculated from date of receipt forward.
Here is the TRUE fact, that overpayment by us to the XXXX dealership was because the payoff of the trade-in disclosed in the Credit Report was more than what we owed. The date of purchase was a Saturday and the bank was closed to verify the pay-off.
On Monday, I called XXXX to have my money refunded from our down payment and they stated " Santander received our overpayment as demonstrated in their own evidence.
I contacted Santander and they stated " they were keeping my money and would credit the funds to end of the Contract. '' I told them that was illegal and to refund me ASAP. Finally, they agreed to credit the first payment. That is why there are three ( 3 ) transactions for my overpayment to XXXX pursuant to their own evidence. Santander did not reduce the Unpaid Principal Balance for the FIRST THREE PAYMENTS it remained at XXXX and did not reduce to XXXX, XXXX.
Santander 's states " the interest begins to accrue from the date the Contract is signed not the first payment due date of XXXX XXXX. '' They admit this fact and Santander finally credited my account on XXXX XXXX, XXXX ( their evidence ) prior to the XXXX XXXX, XXXX due date.
Therefore, Santander 's claim there were " 45 days between payments. '' is FALSE. The correct days between payments is 16 days. Whether the interest starts from date of purchase or due date the first payment of XXXX they applied interest at XXXX, therefore, the third payment of XXXX can not be applied entirely to the interest.
Santander pretends that we had check that was drafted on a Close account. That is False. Their own evidence clearly shows ( 3 ) transactions XXXX XXXX, XXXX XXXX XXXX. XXXX credits and XXXX debit equals XXXX payment. The claim this created accrued interest is FALSE.
Santander DID NOT dispute my claim of Entire Payments ( late into the contract ) that were applied only to interest, therefore, My Unpaid Principal balance is Correct. I have attached their own evidence of the following payments : DAILY INTEREST RATES ARE LOWER ON EACH UNPAID PRINCIPAL BALANCE PAYMENT 1. Payment XXXX is XXXX on XXXX XXXX, XXXX entire payment applied to interest ; 2.. Payment XXXX is XXXX on XXXX XXXX, XXXX entire payment applied to interest ; 3. Payment XXXX is XXXX on XXXX XXXX, XXXX entire payment applied to interest ; Santander has stated Payment XXXX talks about the due dates of payments but fails to tell
|
| 08/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a motor vehicle, with last XXXX digits of V.I.N # XXXX, from XXXX XXXX on XXXX/XXXX/2014. After previous complaints made to Santander Consumer USA Inc 's " Office of the President '' regarding inaccurate accounting/application of payments made not being credited towards my account properly, and a concern I had with the original sales contract and Santander 's status as legal lien holder, and I was given no answer. Then, on XX/XX/XXXX Santander contracts with a licensed repo management company by the name of XXXX XXXX XXXX out of XXXX XXXX XXXX, & XXXX, XXXX ( they claimed that they only act as a " forwarding house '' and they did not need to be licensed to operate such a business ) who contracted with another entity by the name of XXXX XXXX XXXX , XXXX out of XXXX, XXXX, & XXXX XXXX, XXXX ( who refused to disclose license name and number of licensed individual who performed the unlawful repossession of my vehicle, which I had been making payments towards as my records will show, but again they were n't being applied towards the balance owed. This complaint is against Santander Consumer USA for using deceptive and unfair business practices/fraud and trying to enforce an unenforceable security contract because they are n't the entity that 's listed as assignee or lender/lien holder on my original contract, but " XXXX XXXX XXXX XXXX '' is listed as the assignee on the original contract addendums, but I do n't make payments to them. I 've been making payments to an entity named Drive Financial dba Santander Consumer USA, both of whom hold no rightful legal lien/security interest in the covered vehicle because neither name is listed as holding such status on any pages of my original contract & any changes to the original contract must be agreed to before such changes can take effect. After close examination of the statements, accounting, and contracts I noticed numerous inconsistencies and informed them for which they added even more unjustified charges to the loan balance.
They then send me a statement notice that I 'm three payments behind, so I call in asking Santander 's status as assignee when they are n't listed as such anywhere on my original contracts. They threatened to repossess the vehicle without notifying me that I had defaulted on the loan, unless I pay them the full amount due. I went to their online portal to make a payment, but their system refused and dishonored my payment attempt for {$480.00}, which is my normal payment amount. I 've always used their online portal to make my payments, but now I notice that it will only permit me to pay double or triple the amount of my regular car payment to Santander. I called in again to their call center to see why, before I made a complaint I could pay {$260.00} if I wanted, towards the loan, but after the initial inquiry and my first findings that something is way-off, they tell me that because I 'm late on my payments that their portal will only allow me to pay minimum double what my normal payment would be, hence dishonoring my attempt to pay them {$480.00}, and become current, just as I had been paying before their inaccurate accounting says I was three payments past due. Thank you.
I did call in again to Santander and was connected with a gentleman who refused to give me his name & employee ID #, who claimed to be from " The Office of the President '' and this gentleman said if I would make a payment of {$480.00} either through my bank 's bill pay option or over the phone, that it would " keep the wolves at bay '' & my car would not be repossessed & they would bring my account status to current through a deferment option once I mentioned going to XXXX and filing a complaint. I made that payment and again they did not apply it nor did they bring my account current. I even made another payment of the last money I had of {$400.00}.
|
| 03/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/XXXX I was hit by a XXXX bucket truck. XXXX we found out that they were deeming it a total loss. XXXX ' insurance company since XXXX has been either faxing the information Santander and or have emailed it to them and they keep claiming that they haven't received it. 3 weeks ago they put it in the mail and to this day they are still trying to take the car away. We have Gap insurance on the vehicle and still they are not responding to them or us as far as getting this resolved. I also filed a complaint with the XXXX and they have yet to respond to that complaint. I'm including that information here the date of this compliant is : XX/XX/XXXX : Complaint ID # : XXXX Business Name : Santander Consumer USA , Inc.
Thank you for taking the time to submit your complaint to the XXXX XXXX XXXX ( XXXX ) Serving XXXX XXXX Texas. Your submission will not only allow us to work toward a resolution of your specific complaint, but will also help us monitor the latest trends in the marketplace at-large. We recognize there are many places where consumers can share their feedback about a particular business experience, and we appreciate the fact you have chosen XXXX to assist you.
Your complaint was received by our office and has been assigned case ID # XXXX. A copy of your concerns have been sent to : Santander Consumer USA , Inc.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX How long does the process take?
We have contacted the business and asked them to provide a written response to your complaint. We encourage them to be prompt in their submission, but some disputes may take longer than others to conclude. We ask for your patience as we work to obtain this response. XXXX strives to have cases closed out within 30 days of receipt, but your individual case may take more or less time, depending on the complexity of the case and the responsiveness of the business.
What happens if the business responds to XXXX?
If we receive a response from the business, you will be notified and asked to review the submitted information. You can view your case progress and provide updates at any time using the link below : http : XXXX.
What happens if the business doesn't respond to XXXX?
XXXX will make every effort to obtain a response from the business, but some businesses simply do not ever respond to our requests. If our contact attempts are unsuccessful, your complaint will be closed out as " unanswered '' and you will be notified. It is important to remember that XXXX is not an enforcement agency and we can not compel a business to provide a response or deliver your specific desired resolution. However, failure by the business to do so may result in a negative impact on their rating with XXXX, which may drive away future customers. XXXX can also refer you to other agencies and/or regulators who may be able to assist you.
What if the business contacts me directly?
If you receive contact from the business directly and they resolve your complaint, please let us know so we may close the complaint out accordingly. You may provide updates using the caselink above, or via email to XXXX.
How do I avoid a similar experience in the future?
We always encourage you to Start with Trust and look for a company on bbb.org before you make a purchase or sign a contract. You can also call us at XXXX and our experts will gladly provide free, objective, and accurate information about businesses and charities throughout North America.
Sincerely, XXXX XXXX Department XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX p : ( XXXX ) XXXX f : ( XXXX ) XXXX e : XXXX I spoke to my attorney at XXXX XXXX XXXX XXXX - ( XXXX ) he has stated that neither XXXX 's insurance company ( Esses? ) can figure out why they are not excepting the paper work. Each day this goes on it is impacting my husband 's credit.
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I previously filed a complaint and it was not addressed or researched properly. THIS IS NOT A DUPLICATE!
VIOLATION OF PRIVACY and FDCPA Laws!!!! RESEARCH and RESPOND Correctly! Do not just add me to the do not call list as this does not address the problem of my rights! I am going to contact an attorney if you do not properly research and respond! Not calling me does not fix the problem!!!! I never requested you not to contact me! I asked you to research your system error problems, provide me a call audit and call log list of calls to mine and my husband 's cell. I asked you to provide me the information on how and why my telephone number was listed on a person named XXXX account and why where you calling me for XXXX bill. During calls with you that are recorded you admitted there was a system error on crossed files. This needs to be addressed as you have violated my privacy! You can not send me a canned response saying sorry and you wo n't call anymore and think this is resolved. I will contact the XXXX and The Attorney General 's Office as well! Someone called me from your executive office and apologized. Again I am not looking for an apology or for calls to be stopped! I am looking for answers and for your company to pay for its mistakes on violating my privacy!
On XXXX I received an automatic dialer call from Santander asking to speak to XXXX ( I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't do that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FDCPA and FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouse 's cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX account. She located me and my husband 's account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained that this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with their dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more than the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues. I DO NOT WANT a DNC FINAL Placed on my account as I NEED TO BE CONTACTED for our loan we have with them!
|
| 12/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Im a XXXX XXXX XXXX XXXX XXXX with XXXX. Over the phone the internet sales dept was great talked me into coming in. Immediately I stood around while everyone walked past me with frowns on their face like they were mad I was there. Another sales guy paged a XXXX kid who had to come from another part of the dealership to deal with me when there where plenty of other able bodied XXXX around who could have shown me vehicles. I had already gotten a pre approval online with XXXX who requested i come into their dealership. While there after looking at vehicles the XXXX kid who was helping me got scolded by used car manager for not bringing me inside to fill out a credit app before showing me cars. He was wanting to force me to let him hit me Credit before test driving any vehicles to see if I even wanted XXXX when I already had a pre approval. Next while I 'm in there I hear the used car mgmt make a negative charged comment about a customer calling repeatedly about a vehicle they just purchased. It almost made me walk out but I felt bad for the kid who had put in all the effort of helping me look for a vehicle I did n't want to ruin his commission over his boss being unprofessional. He was going to refuse to sell me the car when I started debating about a down payment and loan interest which I felt was to high. He would say the bank demands this amount and swear he could n't change it, then he would change it without speaking to the bank. This went on until I agreed to put up {$1000.00} for the vehicle down payment which I later learned in finance office the dealership charges a {$1000.00} loan assessment fee which is not fair since they do n't even assess their vehicles correctly before putting them on the lot to be sold! I qualified for better rates and terms because I 've had multiple positive car purchases on my credit while managing multiple car payments. Then when I get to the finance office I felt pushed and pressured to sign. They forced all kind of warranties and extra things on me which I kept refusing. They tried to make me feel guilty or like I was doing something wrong by not purchasing the add on items. I was in finance signing the papers for hours it was really uncomfortable and I had to pretend to agree with a XXXX who kept talking about XXXX needing to be locked up and owning guns, WHICH I TOLD XXXX SERVERAL TIMES I DONT OWN PNE AND IM NOT INTERESTED IN THOSE THINGS ARE COMVERSATIONS BECAUSE MY DAD WAS KILLED BY A GUN. After awhile I finally agreed to purchase XXXX to just leave with my car because I was stressed and exhausted from the process of debating about things I made clear I did n't want. So then he says I 'll shave a point off your interest to give you XXXX He lowered my payment and went from 24 % to 23 % without calling the bank. I asked how he could do that and he says he has a relationship with XXXX. Although the used car mgmt swore up and down otherwise. i believe my interest was only this high because I had a XXXX. They all kept starring at me an they think I 'm XXXX but I 'm not. I just like the style of hat, after agreeing to like XXXX I went from XXXX to 23 %. My check engine light comes on 3 days after purchasing, service cleared the code and it happen again in a week. Found out car needs {$1000.00} worth of maintenance that was promised to me had been done. Then used car mgmt tells me I have to pay for things he lied about. Plus brakes are bad and I ran out of gas the first day because they sold it to me on E! After I complained the mgmt says I have no freedom of speech even though I was saying yes XXXX an no XXXX without being vulgar or calling names. They violated rights I have in constitution after robbing me by selling me car which was n't properly serviced. This is dealer fraud. Along with XXXX discrimination. General mgmt was notified and he laughed at me.
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Short summary, information in this account from Santander showing on my report is still very inaccurate, they have sent a letter acknowledging it is inaccurate, they then changed the account to open and past due, 6 years after it was charged off, with no activity. It has adversely impacted my credit score and payments history and moved into a bad credit rating from a good credit tier by reporting 120 days past due, with an amount due, and an open status on a charged off for 6 years account.
Issue reported to CFPB on XX/XX/XXXX in CFPB Complaint number XXXX ( attached 'Santander Response_Complaint Detail.pdf ' ).
Response received from Santander was they would not speak with me due to being represented by a lawyer. Response sent to Santander on XX/XX/XXXX demanding information regarding the inaccurate information reported across all three credit bureaus ( attached 'Santander Demand for Information Letter XX/XX/XXXX.pdf ' ).
On XX/XX/XXXX, Santander replied via certified mail, not addressing why the information was reported inaccurately across all 3 bureaus and had been " verified as accurate '' several times prior but had been " updated by data provider '', which if updated would indicate a change was made, if a change was made, it could not have been accurate after the first response. Instead, Santander replied with the following information included in its response : " Based on a review of the account, on XX/XX/XXXX we reported the account as an unpaid Charge Off with a balance of {$6800.00}. Our records indicate the Charged Off in XX/XX/XXXX after the vehicle associated with the account was sold at auction ( attached Santander_Repo Letter_XX/XX/XXXX.pdf ).
On XX/XX/XXXX, I received alerts from XXXX and XXXX that my credit score had dropped and there an account had been updated with derogatory information. That account was from Santander reporting, again, this account information inaccurately, even after the response received on XX/XX/XXXX stating the account was charged off XX/XX/XXXX, my report reflects inaccurately now that this account is open, 120 days past due, with a payment due monthly for {$360.00}. ( attached XXXX_XX/XX/XXXX_XXXX.pdf ). You can see that on XX/XX/XXXX, one day prior, that the information was showing closed, XX/XX/XXXX ( attached XXXX_XX/XX/XXXX_XXXX.pdf ).
This company has not been able to report the same information across all three bureaus accurately and now is reporting in a manner that is fraudulent and damaging to my credit profile and I have not transacted or done business with them as described in the information reported in my credit report.
Had the CFPB reviewed and fulfilled my demands in the first request, this information would have been deleted from my credit profile and this would not have impacted my ability to qualify for new credit terms and rates right now, during this economic downturn. I am a combat XXXX veteran and have not had a late payment in 41 months and all of a sudden this company reports on my credit I have missed 4 straight payments for 4 months straight.
This information needs to be completely deleted from my credit report and I demand compensation in the amount of {$500.00} for each bureau this information was reported by XX/XX/XXXX. If not compensated, I demand {$1000.00} per occurrence and an additional {$100.00} per day, per occurrence for each day it remains on my report and adversely impacts my ability to finance and negotiate favorable terms based on my ACTUAL credit worthiness due to the incompetence and negligence by this company.
Deletion should be immediate and payment can be mailed to the same address as their last correspondence.
In addition, XXXX, XXXX, and XXXX should be accountable as well as I just reported this same activity to each of their bureaus previously with no action to prevent this from occurring.
|
| 04/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/XXXX, we went to XXXX XXXX XXXX in XXXX, Ms. and got a used car thru santander finance. they requested a securtiy deposit of XXXX and we complied, the contract was for 5 yrs. during time the car had to have serious motor helps etc, and caused us to be in financial pinch a few different months thru those five years, in which the insurance they had on car paid some defered payments, it was originally to be paid around XX/XX/XXXX but because of some defer payments i had to go to XX/XX/XXXX, Also during those months some of my work ( self employed ) dropped off considerably in which i told them this, my husband gets only ssI. The economy hurt me because no one needs a XXXX often. After my last payment in which a rep told me my last payment was in XX/XX/XXXX, and he was excited for me, i waited for my title all of XX/XX/XXXX and XX/XX/XXXX. then in XX/XX/XXXX got a statement that I still owed XXXX on the principal. You can never get to rep you originally talked to before and sometimes never noted your account that I called. I called about this and told them it was paid my contract in XX/XX/XXXX, they never denied that, just said you owe a payoff of the principal,. Now during this time also from XX/XX/XXXX to XX/XX/XXXX I purchased a car from my sister, and was repaying someone who loaned the money. I tried to negotiate with santander about my money situation and sent XXXX dollars in XX/XX/XXXX. and only XXXX and XXXX dollars every other week in XX/XX/XXXX. to end of XX/XX/XXXX. Even though I didn't feel I owe it, but didn't want to lose car after all that money and time vested for five years. I spoke to a rep around XX/XX/XXXX or XX/XX/XXXX an told hiim I would be making last payment on my other car and it would free up monies some to thro at those payments, by the way the bill in XX/XX/XXXX was for XXXX and there was no way out of XXXX and my XXXX I could pay that and keep insurance on home and both cars and during those winter months lite bill jumped from XXXX to XXXX, some very hard financial months, so XX/XX/XXXX at XXXX they had car reposessed, no one told us where it was, or anything, no order no paperwork nothing. I don't understand why if rep in XX/XX/XXXX knew I would owe more didn't tell me so I could make arrangement then, but nothing. Now car was to be sold today, and if not enough for what they want they will come for us on this difference.. Santander never tells the same thing or each rep always says We can't or can't, One rep said just give his initials and they would let me speak to him, I tried that and was told they can't do that. I did get a copy of contract and my payment history, I have never in the times of loans of anykind, pay a portion on principaland then on interest but only the principal had few dollars each month taken off, I thought once it was tabulated on contract signing day that the bottom line would receive all of payment, example one month XXXX sent in only XXXX or so on principle and rest on interest my principal wasn't moving at all down in number, its like being charged interest twice once in contract and once monthly, no wonder things got out of hand, I needed another 5 years to pay that part off, If known this at signing I would of said no way. I have learned that a place of auto sales in Ms. does there best not to let their consumers use Santander. They have had lawsuits and still some agains service men and more people like me with same complaints at end of contract told we owe more. Only call I got Tues was from XXXX in Reinstatement dept of Santander, but no one would connect me to her, told me If I want car back I had to pay XXXX plus over XXXX towing fee, I don't have that kind of money.I have contract and payment history, and bill about the XXXX. I would like to see Ms. not allow them to do business in this state for such bad dealings.
|
| 09/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The auto was placed in repossession status ( as you know on XXXX XXXX ). I was advised to pay XXXX to redeem the vehicle which I originally did on Friday, XXXX XXXX 2016. The auto was picked up at XXXX on Monday the XXXX and sent to auction on Wednesday, the XXXX. I was advised via numerous call on Monday, Tuesday and Wednesday to Santander the auto may be moved to auction within XXXX to 72 hours. I figured my call to the company repossessing the vehicle every day and XXXX would prevent that. Also I figured my phone call to Santander, especially, if and when the car was sent to auction they would advise so I could make the appropriate decision to redeem or not redeem the vehicle. The tow company never returned any of my calls and only after I made the payment on Thursday, the XXXX at XXXX central time via money gram, I was advised it was sent to auction on Wednesday. This was unacceptable. I called every day and was advised I made an arrangement to pay on Wednesday that should have prevented this. Also doing my due diligence, I called Santander Wednesday night at around XXXX central time to verify status of the vehicle ( whereabouts ) and amount to redeem. I was advised it was still at the original lot, which I found was untrue. Why would Santander not advise the tow company that I was paying on a specific date to redeem the vehicle? Did Santander no longer care and want to get rid of it asap if I decided not to respond or pay? Regardless of the issue, it 's still customer service. I feel Santander was in collusion with the tow company to sell the vehicle ASAP and also the tow company wanted to get paid for shipping it to the auction when they did not have to. Even the tow driver misrepresented himself at the time of pickup. His name was XXXX and he said, just call Santander, make arrangements and the vehicle will still be here until the XXXX of XXXX and you can pick it up. Myself and XXXX ( primary on the loan ) were XXXX present during that conversation as we removed our belongings from the vehicle. It feels like this was a sneaky business tactic by the tow company. As a result, I incurred additional pain, suffering and expense to retrieve the vehicle. I did contact Santander on Thursday about this issue, but it was not until later in the day that after speaking with more than XXXX individuals, XXXX person with the office of the president decided to do what was right and have my vehicle returned to the original lot of the repo. The only catch to that is that they said they would bill me for having the vehicle returned to the original lot of the repo company and said it could take up to XXXX to 7 days. So once again, I have to pay again in additional costs, interest and fees. This all was an issue because the repo lot was on XXXX Nebraska where I reside and the auction was located in XXXX Kansas XXXX, XXXX miles away ( XXXX XXXX XXXX round trip, about XXXX miles ). With having a family of XXXX and having to go to work every day to continue our livelihood, I had to make the decision quick, to retrieve the vehicle immediately, which I did.
I understand at the end of the day, it was my responsibility to pay the loan on time and I would have not had to be concerned with late payments, fees and consequences resulting from these things. But as you can understand life does happen and we have laws governing institutions and process to ensure consumers are treated fairly. I was advised during my phone calls to Santander that all other associated fees were to be back billed to the loan. I was advised going forward the loan would be treated as open and active and continue with the original terms, limits, interest rates, fees, etc., set forth but still wo n't be reported to the credit bureaus as open and active. This violates the Fair Credit Reporting Act and other state and federal laws.
|
| 04/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Hello CFPB, Please help!
In short : I was never notified by Santander Bank that a car loan I cosigned was not paid. As you know, under current law the bank was required to notify me if there was any debt that I am co-responsible for that is not being paid. I would have been happy to help pay this debt, but I was never told. Never. And despite repeated requests Santander Bank has been unable to show me that they ever notified me. As a result, a negative credit action has been made on my report. I have asked Santander Bank to remove it and I will concurrently repay any debt owed. I'm happy to, but they must agree to remove this negative action from my credit report, as I was never aware of it. Again Santander Bank never notified me that any debt was owed, as they are required to do so under the Dodd-Frank Act.
CFPB : I ask that you please require Santander Bank to request of the credit agencies to remove the negative collection action on my credit report and I will happily pay any debt owed to Santander Bank by my co-signer to the car loan. Seems like a pretty reasonable request and it's the law! I am unable to get a home loan because of this unscrupulous action by Santander Bank. Please help!!
More Background ( see attached as well ) : I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and NEVER notified me. I have asked Santander to prove they tried to notify me and they have been unable to do so. They are required to notify me under the Dodd-Frank bill of impending debt reporting.
I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner. Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of. I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake. Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action. Please help me fight against this bank and make things right!
|
| 09/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX 2015 I ( XXXX XXXX ) initiated the cancellation process for my service contract that was included in the total purchase cost of my vehicle. In XXXX 2015 a refunded in the amount of {$840.00} was sent to XXXX XXXX who would then send me the funds in the form of a check. At my request, I instructed XXXX XXXX to apply the refund to my Chrysler Capital Account for my XXXX payment. The payment was received by Chrysler Capital on XXXX XXXX, 2015 and was applied to my loan account as a " payment '' towards the balance I owe on my car.
On XXXX XXXX, 2015, I ( XXXX XXXX ) received a phone call from Chrysler Capital Collections Department inquiring why I have n't made a payment on my vehicle. When I informed the customer service representative that I a payment was made for me by the dealership in the amount of {$840.00} she stated that a payment that was not sent directly from me does not count as a payment towards the vehicle. She then went on to say that the payment that was sent by XXXX XXXX on went towards the principle and not the regular payment amount. A brief discussion went on about the payment, with no results. My complaint/dispute was then forwarded to the Office of the President for review and I was informed that I would receive a phone call from them within 48 hours.
On XXXX XXXX, 2015 I received a phone call from the Office of the President with Chrysler Capital in regards to my dispute over how the payment of {$840.00} was applied to my account. The customer service representative attempted to provide me with several explanation as to why the payment went towards the principle and not the regular payment amount. He even referenced my sales contract but could not directly provide me any information as to where the information was located. Because I continued to pursue a resolution and was going to elevate my dispute even further the Office of the President and I ( XXXX XXXX ) made a verbal agreement to resolve the matter. It was agreed between both parties that the delinquency reported for XXXX 2015 would be corrected to reflect a current status. It was also agreed that a payment in the amount of {$790.00} be applied to the account on or before XXXX XXXX, 2015. When this payment is made the payment statuses for XXXX 2015, XXXX 2015, and XXXX 2015 will also be corrected as well.
On XXXX XXXX, 2015 I received a credit report from all the XXXX major reporting agencies which reflected a change in the payment status for Chrysler Capital, XXXX 2015. The status was changed from 30/60 days past due to current. As agreed I submitted payment on XXXX XXXX, 2015 in the amount of {$790.00}. When I contacted the Office of the President to follow-up on our agreement, I was informed that my case was closed and that they would not uphold there end of the agreement.
In XXXX XXXX, 2015, I received a notification from my credit monitoring service that some changes were reported on my credit report. When I viewed the notification, it stated several delinquent payment statuses for the months of XXXX 2015, XXXX 2015, XXXX 2015, and XXXX 2015. I quickly contacted Chrysler Capital to inquire about the status but was denied access to any information.
Shortly after I filed a dispute with the Consumer Financial Protection Bureau regarding the previously reported activities. My dispute was accepted and provided a case number ( # XXXX ) for and investigation into my dispute. The dispute was then forwarded to Chrysler Capital and they submitted in the response. In XXXX 2015 I contacted Chrysler Capital again regarding the activity on my account.. They stated that anything that is currently reporting on my report was done by the XXXX reporting bureaus and not by Chrysler Capital. They stated that I have made over XXXX disputes and that I need to stop making dispute.
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am writing this in recent response to Incident ID : XXXX. I have had a tough XX/XX/XXXX and XX/XX/XXXX. I fell behind on the loan with your company, XXXX. After tax time XXXX XXXX XXXX, I had caught up the loan balance and everything looked good going forward. After that XXXX plus payment was made ( XX/XX/XXXX ) I was made aware that Santander would not report the loan being current to any of the XXXX credit bureaus. As you would imagine this infuriated me. As a consumer, you have to ask yourself, why would you continue to pay on a loan that a financial institution is supposed to be governed by law, says since you were more than 120 days late, that waives your rights under federal law and will no longer report any current, on time payments to the XXXX credit bureaus? So when that occurred it, made me want to not pay on this loan more and more as the months went by. This is due to the fact that any on time payments were not being reported to the bureaus and having this loan was not making a positive impact on credit and my livelihood. So due to that, the loan defaulted once again. The auto was placed in repossession status ( as you know on XXXX XXXX ). I was advised to pay XXXX to redeem the vehicle which I originally did on Friday, XXXX XXXX XXXX. The auto was picked up at XXXX on Monday XX/XX/XXXX and sent to auction on Wednesday, the XXXX. I was advised via numerous call on Monday, Tuesday and Wednesday to Santander the auto may be moved to auction within 24 to 72 hours. I figured my call to the company repossessing the vehicle every day and Santander would prevent that. Also I figured my phone call to Santander, especially, if and when the car was sent to auction they would advise so I could make the appropriate decision to redeem or not redeem the vehicle. The tow company never returned any of my calls and only after I made the payment on Thursday, XX/XX/XXXX at XXXX central time via money gram, I was advised it was sent to auction on Wednesday. This was unacceptable. I called every day and was advised I made an arrangement to pay on Wednesday that should have prevented this. Also doing my due diligence, I called Santander Wednesday night at around XXXX central time to verify status of the vehicle ( whereabouts ) and amount to redeem. I was advised it was still at the original lot, which I found was untrue. Why would Santander not advise the tow company that I was paying on a specific date to redeem the vehicle? Did Santander no longer care and want to get rid of it asap if I decided not to respond or pay? Regardless of the issue, it 's still customer service. I feel XXXX was in collusion with the tow company to sell the vehicle ASAP and also the tow company wanted to get paid for shipping it to the auction when they did not have to. Even the tow driver misrepresented himself at the time of pickup. His name was XXXX and he said, just call Santander, make arrangements and the vehicle will still be here until XX/XX/XXXX and you can pick it up. Myself and XXXX ( primary on the loan ) were both present during that conversation as we removed our belongings from the vehicle. It feels like this was a sneaky business tactic by the tow company. As a result, I incurred additional pain, suffering and expense to retrieve the vehicle. I did contact Santander on Thursday about this issue, but it was not until later in the day that after speaking with more than XXXX individuals, one person with the office of the president decided to do what was right and have my vehicle returned to the original lot of the repo. The only catch to that is that they said they would bill me for having the vehicle returned to the original lot of the repo company and said it could take up to 5 to 7 days. So once again, I have to pay again in additional costs, interest and fees.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
My current car loan company has had me at a 45 day deficit since the very beginning of my loan.
The first payment I brought to the dealership as advised by the dealership.
At the end of XX/XX/XXXX Santander Consumer reached out and infomed me that my first payment had not been made. I told them that the dealership said they would be making the first payment and when they called me again mid XX/XX/XXXX it was apparent that no payment was going to arrive. At santaders request I went to the dealership because they wanted a written letter saying that they took cashiers check but did not send it into santander as payment. I didnt think that a company would write a letter where they admited theft but I went to dealershop anyway.
No one seemed to remember waiting on me and they all pointed to the next person. So, I told santander that I wasn't going to be able to get much more out of them but what could i do to fix it. I immidiately made a payment and the salesman on the phone said that if I made another payment asap we could move my due date to the XXXX of the month effectively altering the contract by 15 days and then i would be on time. So i made a payment before XX/XX/XXXX and continued to pay 3 to 4 days before the XXXX of the month cause I was instructed that it would take a couple days and so I didn't want to be late.
When I checked my credit report XXXX of XXXX Santander Consumer has reported that I have been 30 and 60 days delinquent 8 times in the past 3 years where according to my accounting i've only ever been 17 days late and in that case I ended up making a double payment as my next payment and then without missing a amonth continued paying normally.
It took about 5 months of calling and trying to figure out where these delinquecies came from when I just got this information from a rep yesterday. I have been 45 days late always. They never moved my due date nor did they change anything at the begninng of the loan so my XXXX and early XX/XX/XXXX payments didn't seem to catch me up at all and because I was paying at the XXXX of the month I was 30days late plus 15 days because my actual due date is the XXXX of every month.
This is information I was never told and after speaking with the company so very often i am confused as to why no one mentioned that i was paying every month at the wrong time and or that i was already 45 days late from the get go. So XXXX and XX/XX/XXXX payment counted for XX/XX/XXXX and XX/XX/XXXX so my next payment in XX/XX/XXXX meant that XX/XX/XXXX was the last time i paid technically because that's what they never honored their own suggested plan of action to get current. Nor was i informed that i was not current. Operating as if I was paying on time at the right time you can see that throughout the last 3 years my payments are steady and adhere to the assumed due date only going 17 days late once, which they recorded as 72 days late.
It took me 5 months for everyone to figure out why anything was considered delinquent, I believe that this is a total abuse of power and cost of loan and interest and delinquency is a required piece of information to report not just to the credit bureau but also to the consumer.
Over the course of 30 months never once did they question my payment schedule or comment on my always 45 day deliquency. I did however speak to someone at the company at least once every 2 months and in XXXX of XXXX even spoke with someone about the change of my intinal due date because of the theft of the first payment to which no counter information was given at that time, no information I said was refuted and I took that as a verification that I was paying on time and on the correct date.
They claim that they are reporting correectly and that i was delinquent and that is the end of the convo.
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an account with Santander ( XXXX ) and have had issues with them non stop.
On XX/XX/XXXX, I entered into an payment agreement to pay only interest on the loan for 6 months so that I can have a lower payment. I paid {$250.00} to start the agreement on XX/XX/XXXX and the payment agreed to begin on XX/XX/XXXX was {$270.00}. On XX/XX/XXXX, I made the first payment of {$270.00}, that day it looks like it was reversed. On XX/XX/XXXX, a payment for {$270.00} was made and a payment was not made for XX/XX/XXXX. In XX/XX/XXXX, my car was repossessed and I was told, in order to recover my car, I had to pay everything except for no more than {$250.00} that would assess to my account on the next statement. I paid a total of {$1900.00} for payments since XXXX ( is what I am told ) and fees. On XX/XX/XXXX, an unknown fee of {$380.00} was assessed to the account. No one is able to tell me what it is and clearly, it is more than {$250.00}. I was then told that my next payment would not be until XX/XX/XXXX. I also asked repeatedly for a break down of the {$1900.00} paid at the time of repossession. No one can tell me. I was told they should have collected the repo fees against the {$270.00} payment but, they collected the car with the {$450.00} payments instead of the {$270.00} ( an error confirmed by Santander ) so there should be money left over ... but there isn't. Since my payment wasn't due untilXX/XX/XXXX, XX/XX/XXXX ( per the statement {$780.00} was due- {$450.00} payment + {$330.00} ) I made a payment for {$500.00} for XX/XX/XXXX even though I was still supposed to be under the payment of {$270.00}. I received an XXXX statement stating I was due {$1300.00} ( {$450.00} payment + {$830.00} past due???? and {$76.00} in unpaid fees??? ) what are these late fees and past due balance??? On XX/XX/XXXX I made a payment for {$550.00} and called to inquire on this statement and how the credit report was being reported. How could I be past due so much if I am overpaying AND I " had to pay all fees including late fees at the time of the repo ''?? They told me I was up to date and had left over money for my XX/XX/XXXX payment and they were " fixing '' the issue in accounting, not to worry about it. I did not make a XX/XX/XXXX payment. My XX/XX/XXXX statement indicated I still owed {$1100.00} and all kinds of accounting had been done again ... but not to my benefit. I made a XXXX payment for {$450.00} and received three calls as of XX/XX/XXXX to " explain ''. One was a male who explained he would help me, placed me on hold and disconnected after being on hold for a long time. The other two times I XXXX from the executive offices called ( would not give me her employee ID and stated I could not contact the CFPB and didn't even know who that was ) she would not allow me to ask questions and stated I would not be able to speak to anyone else. When I explained they overcharged me when my car was repossessed because they collected payments for {$450.00} and not {$270.00} she agreed and placed me on hold, never to come back. Before she placed me on hold, I explained, they keep assessed fees that no one can explain, I needed a breakdown of where my money went when I paid for the repo {$1900.00} with the payment of {$270.00} plus a break down of the fees assessed to see if there is money left over. And I need an explanation of the fees assessed since I was told they were all included except for {$250.00}. I feel that this company is super shady and is on a mission to reposes my car. I have over paid on my payments and overpaid when my car was repo'ed and they are saying I am still past due ... .and my XX/XX/XXXX payment is {$550.00}. Please HELP!! This company is out of control!! And the reps don't know what is going on and keep telling me different things!!
|
| 07/26/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a formal complaint that Chrysler Capital is reporting inaccurate information on my credit report which is detrimental to my score. I had a car that was financed through Chrysler Capital inXX/XX/XXXX. In XX/XX/XXXX, the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital and which the car was declared as totaled. Even though both, my gap and car insurances submitted the claim information and sent payments, Chrysler Capital was still negatively reporting the account being late even after being granted approval for an extension on my behalf. Nevertheless, I called them numerous times to resolve this matter and to get to correct the inaccurate reporting of late payments and given balances on this account. The customer service representatives were rude, many failed attempts to forward calls but will purposely disconnect/end the call before connecting to their supervisors. Ive requested on many occasions for supervisors to call back regarding this account but never materialized.
Ive requested Chrysler Capital to mail me a debt validation letter providing proof of debt ( current balance due ) and confirmation of late payments over the phone through customer service. However, Chrysler Capital did not follow any of my consumer rights of validation and could only verbally repeat this statement that the information is accurate. This account is now displaying as a Closed-Charge Off status, with a Consumer Statement Profit and Loss write-off. They are currently reporting this account as being delinquent to all 3 of the Credit Bureaus as late payments which in inaccurate. Here are some of the most recent dates which theyve reported this inaccurate information to the CRAs as late payments and misstating the balance due : XX/XX/XXXX ( delinquent amount- $ XXXX-late 30 days-XXXX reporting but XXXX reporting is different for the same month-XX/XX/XXXX ( delinquent amount- $ XXXX-late 60 days, XX/XX/XXXX ( delinquent amount - $ XXXX- late 60 days ), XX/XX/XXXX ( delinquent amount - $ XXXX-late 90 days ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( balance- $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), and XX/XX/XXXXdelinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), which is in violation of the Fair Credit Reporting Act ( FCRA ). There many other inaccuracies regarding this account which are being reflected on my credit report such as Date Opened-different dates-XXXXXX/XX/XXXX and XXXX & XXXX-XX/XX/XXXX, Date of Last Payment-different dates-XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, and XXXX-XX/XX/XXXX- Last Date Active-XXXX-XX/XX/XXXX and XXXX & XXXX- XX/XX/XXXX -- - proof of reported inaccuracies. Per XXXX Credit Report, XX/XX/XXXX- OK reporting with a balance of {$4100.00} but in XX/XX/XXXX-30 day late mark with balance of {$3700.00} with a paid amount of {$410.00} displaying a {$230.00} past due balance and the scheduled payment account is {$110.00}. The {$3700.00} balance remains the same from XX/XX/XXXX to XX/XX/XXXXwhich now displays {$2600.00} ( decrease ). However, amount paid is still displaying as {$0.00} with a C/O status. I ask that this account be PERMANENTLY REMOVED from my credit report as they have violated so many FCRA requirements of my credit report. I also would like an UPDATED credit report reflecting that this account has been removed.
|
| 11/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I deposited {$6000.00}, to the account of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , CO XXXX, as the down payment for the purchase of a used XXXX XXXX XXXX with stated manufacturers power train warranty expiring on XX/XX/XXXX along with XXXX report prepared by the dealer. .XXXX XXXX XXXX. XXXX XXXX then prepared consumer loan in the amount of {$32000.00} for my son to take delivery of the truck, the note was given by Santander Consumers, USA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The note was to cover the following, mandatory warrants ty in favor of Santander in the amount of {$2700.00}, Colorado sales tax {$2800.00}, leaving an amount financed of {$29000.00}. The VIN number of the vehicle is XXXX.
Upon delivery the left front tire deflated in the dealers parking lot. The vehicle was left overnight while the dealer repaired the tire. The truck was picked up the following day and within the first hour the engine malfunctioned and seized up. I had the truck towed to XXXX XXXX in XXXX, CO where a complete diagnostic was performed. The report stated that the truck had a leak of engine oil into the power train and that there was a near complete migration of the oil away from the engine resulting in the seizure and a new engine costing was required to bring the vehicle back into service. When confronted with the engine seize up and the recommendations XXXX XXXX refused to allow any warranty work to be done at XXXX. XXXX XXXX demanded we pay the expense of having the vehicle towed back to them for where they said the problem was a defective fuel pump and they replaced it with a used one covered under the warranty. The truck ran for about a hundred miles and the problem was repeated.
My son and I made a series of inperson and telephone demands to have the engine replaced. We were constant, y rebuffed. I retained an attorney who presented manager of XXXX XXXX with irrefutable data from XXXX showing that unauthorized work had been done on the truck in XX/XX/XXXX and that the powertrain and other warranties were voided by XXXX I. XX/XX/XXXX. Sharper rides made a false representation in their sales papers that the power train warranty was valid until XX/XX/XXXX. They have refused to respond to requests for warranty work. Most recently the warranty company refused to reimburse me for {$2300.00}, to repair the oil leak from the engine to the power train. This work was done at. XXXX XXXX. In the year since delivery we have complained to Santander about the material non disclosure and they have not responded. The warranty rep refuses to anything and totally ignores the the diagnostic report from XXXX and XXXX. The report still stands that the engine was subject to unauthorized work and there are permenant deficiencies in the timing mechanisms and other matter that XXXX detected in XX/XX/XXXX, the code deficiencies run to two pages and these conditions existed three years before XXXX XXXX sold us the vehicle. Both Santander and XXXX XXXX and the warranty company were sent copies of the presage deficiencies which were not disclosed at the time of purchase.
XXXX XXXX is a highly reputable Dealer and they have a long history of fixing XXXX vehicles for owners that purchased them at XXXX XXXX where in general a minor repair was made where a major one was required. In our case XXXX said the fuel Pump was operating as it should and XXXX degraded the engine by replacing an OEM part with a rebuilt.
We have tried to get the theee parties to the table or arbitration and we are just stalled.
I have spent, over {$6000.00}, inrepairs, towing, and. Car rentals. Tne truck has been driven about 1,000. Miles since purchase and been towed at least twelve times.
Please assist us in bringing these parties to the table so we can resolve matters.
|
| 06/23/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2015 my husband and I leased a XX/XX/2015 Jeep Compass from XXXX. We put $XXXX cash and XXXX trade XXXX down on the Jeep, and were to make monthly payments, with the XXXX payment due XX/XX/2015 In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we made our payments (Plus a little extra) to Chrysler Capital on time through the Chrysler Capital Website. On XX/XX/2015 my husband was driving home from work, when a woman blew through a stop sign, and smashed right into the side of his Jeep. The airbags failed to deploy. XXXX, and the woman was cited by police for running the stop sign. On XX/XX/2015 I sent a complaint to the XXXX about the airbags possibly being faulty, and failing to deploy. I was told to also contact Jeep and report the failure, which I did. On XX/XX/2015 the appraiser declared the Jeep a total loss, and our insurance company XXXX contacted Chrysler Capital for a payoff amount. On XX/XX/2015 XXXX contacted me to let me know that the payoff amount was XXXX and the MSRP was XXXX so they were going to send us a check for XXXX. On XX/XX/2015 I contacted XXXX to let them know that the actual XXXX was XXXX because the version of the vehicle I had was one with DVD, rear view camera, remote start, etc. It was not the base model. I then contacted the dealer, who informed me that I was correct, and the number they were giving me was too low. That, if anything they should use the number of the sticker that came with my Jeep. That number is $27,880. Arbella said they would look at the supplied information, and get back to me. Last week sometime when speaking to Chrysler they informed me, "any money sent to Chrysler becomes property of Chrysler, and we don't send money back to the customers" Last night I was notified that my Chrysler Account was past due, I logged into my account. and low and behold somehow my account is now showing a past due balance of $XXXX, and it states that my last payment was XXXX on XX/XX/2015, I called to ask why it was saying that when they had gotten payments, from my checking account in XX/XX/XXXX. She told me that it shows a past due balance of over $500, and would I like to make a payment. I told her it was wrong, and I had already made all my payments, and she told me I needed to send proof, by fax before XXXX last night. So I printed out my bank statements, and I brought them down to the dealer and asked the dealer to fax the forms to Chrysler Capital for me, which he did. I called back, and she informed me that they had gotten my papers, and they were going to put them in the system. Today I got a phone call from XXXX informing me that Chrysler is demanding they get the FULL MSRP amount, and not the payoff amount, that they are entitled to keep not only my XXXX, but also to get the full insurance proceeds, and leave us with NOTHING. No vehicle, no money to get another vehicle, absolutely nothing. I was beside myself. When talking to the dealership, they said there was GAP built into the lease, and we should be getting the difference on what is owed (which now they are claiming is $XXXX, because of "unpaid payments") and what it is worth. So I sent a message to Chrysler online, and they responded that they don't own the vehicle, the dealership does, and the money goes to them, and if I wanted the terms on the back of my lease that we "agree to accept a reasonable substitute vehicle of similar value, condition, mileage, accessories to replace the original vehicle" I would have to get the dealership to give it to me. The dealership absolutely denies this, and told me Chrysler owns the vehicle, and they get nothing from this. This is my husbands vehicle to get to and from work, he will lose his job if he cant get there. We have XXXX children, one with developmental delays so I need my van for him.
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XXXX of XXXX I purchased a XXXX XXXX from Santander Consumer USA for {$11000.00}. On approximately XX/XX/XXXX I experienced a total loss on my vehicle. At that time I had automobile insurance as well as a GAP insurance policy that was associated with Santander. During the claim process, I was advised that the payoff for my loan was {$10000.00} My auto insurance paid {$5100.00} on the balance and I was told to contact the GAP insurance to take care of the balance. I did everything that I was instructed to do and after being told by someone at the GAP insurance company a payment would be issued to take care of the remaining balance on my loan. Approximately two weeks later I called GAP to follow up on the check and was advised that they would not be paying anything on the claim. According to them, based on their calculations I had made all my payments on time, no additional interest and fees would have been charged and the car would have been paid in full with the payment from my car insurance. I advised the representative that I have no control over how they apply payments and I was under the impression GAP coverage kicked in to cover any remaining balance on my loan.
After speaking with the GAP insurance I actually took the time to review the car payments I made to Santander and it appeared that over 97 % of the payments I made were applied to interest only, very little was applied to my principal. There was even one point for the course of an entire year that all my payments went strictly to interest only. How is the possible? I added up the payments I made from XXXX until XX/XX/XXXX and I paid approximately {$13000.00}, when you add the amount that my insurance paid there has been a total of {$18.00}, XXXX paid for the vehicle.
I initially filed a better business complaint against the GAP insurance company ( XXXX XXXX ) as I felt as if they were not honoring the GAP contract by the answer I was given for non payment. I had a supervisor call me to explain the break down of the contract and the in actuality, the GAP contract was powered by Santander Consumer USA and had language in it to not pay the claim if any payments were late and interest was accrued on the loan. Which I feel is not fair and very misleading to customers.
I also received a letter with the title of the vehicle stating that this lien has been paid in full. When I reached out to Santander about this and an outstanding balance I was told it was a mistake and should have been sent to XXXX. How is it the debt can be paid in full for insurance but not for the consumer?
I made a call today XX/XX/XXXX to speak with a supervisor about a possible settlement or cancellation of the debt due to the total loss and misapplication of my payments and was told by XXXX in the customer service department that there is nothing they can do to help me. As I explained to her, I've paid {$13000.00} over the course of my loan and my insurance paid {$5100.00} for a total of {$18000.00} on an original debt of {$11000.00}. The loan is no longer secured by the collateral I would like to see if we can do something to help me out. I can not afford to pay for this loan and get a second car payment. I feel my payments were grossly misapplied and that Santander took advantage of me and I'm sure several other customers with their predatory lending practices. In addition, they constructed " GAP '' coverage that is not payable.
Interest is continuing to accrue and what was once a {$4900.00} balance has jumped up to {$5100.00}. They do not have the consumers best interest at XXXX and despite many attempts, they do not offer any assistance. They should not be allowed to continue these predatory lending practices at the expense of consumers who were at the time down on their luck.
|
| 12/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I received a flyer in the mail from XXXX XXXX XXXX XXXX in XXXX, TX on XXXX XXXX, XXXX. The flyer was a scratch off which showed I won a prize that could amount to {$50000.00}. I became very excited because I 'm a single mother of XXXX children who was having major financial difficulties this year so I thought this would be my opportunity to give my children a wonderful XXXX. I called the number on the flyer and went into the dealership to claim my prize. I was referred to a car salesman named XXXX XXXX. I gave him my flyer to claim my prize.. He told me that they could not honor the flyer until XXXX XXXX, XXXX XXXX. I was surprised because this was n't on the flyer. Then he informed me that he could help me purchased a brand new vehicle with very little down. I told him that could not be possible because I currently owned a XXXX XXXX XXXX fully loaded and was late XXXX times out of 48 months. He told me it did n't matter that he could still help me. I agreed to let him pulled my credit and he informed me that he could help me. He asked me how much I make I told him XXXX a year and he asked me how much could I put down I told him this month 's car payment which was XXXX. We test drove a XXXX XXXX fully loaded with leather seat. I felt a little bit skeptical due to the small size of the vehicle and the fact that it had bad reviews. XXXX continue to pressure me to buy the vehicle saying that he checked out my XXXX XXXX and that it was badly in need of repairs and will not pass inspection when I try and inspect it. He informed me that it needed a new transmission, XXXX new tires and the air conditioner was broken. I became frighten when he mentioned a new transmission because I was already struggling to make ends meet with my kids. I could n't affordd a XXXX car note with all of those repairs. I finally agreed to the sale when I finally agreed then he informed me that he could n't sell me the XXXX because they could n't financed me for a late model XXXX. Then he showed me the XXXX I purchased which is a XXXX but it did n't have leather seats but he informed me that they could put leather seat at the dealership. I agreed signed the contract XXXX.at night. When I drove the car I hope I felt uneasy because it appears smaller especially when my children got in. I have XXXX boys XXXX, XXXX, and XXXX. I also have a XXXX yr old daughter. I also researched the vehicle online and learned that I was taken advantage of because some of the features XXXX bragged about were standard in all the other XXXX. I called him the next morning and asked that he put me into something bigger. I also told him that it would be difficult for me to pay for a vehicle at XXXX a month that I could n't sit all of my XXXX kids in. He became belligerent with me and starting insulting me yelling at me by saying that I did n't know what I was talking about because his bank account was bigger than mine. I told him I did n't want him to work with me again and drove into the dealership and asked to speak with the sales manager XXXX XXXX XXXX. XXXX XXXX told me he could do nothing for me since I signed the contract. He then refers me to another salesman named XXXX XXXX. She tried convincing me that I had a great deal but I 'm still not comfortable due to the fact that I had a bigger vehicle. I asked him to show me other vehicles but he refused. I walked away disappointed and tried calling both the dealership and the XXXX XXXX XXXX XXXX XXXX. They re fuse to assist me.I also checked the dealership website today XXXX XXXX concerning the flyer and noticed that it was never advertised and I do n't think anyone won anything, I think it was a deceptive practice to lure unsuspecting victims like me in the store to inflate the price of a vechicle for bad credit pe
|
| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX I brought my XXXX XXXX XXXX to XXXX for them to buy out the lease from Chrysler Capital. The XXXX was in immaculate condition and due to the shortage of used cars, XXXX offered me substantially more than the end of the lease buyout price. The paperwork was done, the plates were off the car and I was ready to sign when XXXX informed me that the check amount that they were going to pay was {$1700.00} less than their offer. The reason given was that Chrysler Capital refused to give them a dealer buyout cost and would only allow XXXX to purchase the vehicle for the same amount that I would have to pay which would include the sales tax for the residual value of the car. Since dealers are exempt from paying sales tax the typical buyout purchase for dealers would only be the residual value plus a {$350.00} purchase option fee. I cancelled the deal with XXXX and went home to try to contact Chrysler Capital to resolve what was to me an obvious error on their part.
This effort turned out to be a several month long exasperating and fruitless search for a straight or even consistent answer. I repeatedly requested a response in writing. Instead I received a wide variety of false justifications and conflicting excuses from the numerous representatives that I spoke with over the phone. I finally discovered that they feel they can get away with charging me this penalty disguised as sales tax for something I did not purchase by implementing an undisclosed policy that they say allows them to do this when a car is sold to certain dealers if there are less than 60 days left on the lease.
This clearly falls into the category of a special or hidden loan term. There is absolutely nothing in my lease agreement referring to this policy. In fact ITEM No.17 NOTICES states " THIS LEASE CONTAINS THE ENTIRE AGREEMENT BETWEEN YOU AND US XXXX No agreements exist between you and Lessor except as set forth in the lease. '' The same paragraph goes on to say that at the end of the original lease it may be extended by agreement at their discretion. I did in fact request an extension at the end of the lease but they denied my request.
There is NOTHING in the lease agreement pointing to any potential or unforeseen costs for trading in or selling the car to a dealer toward the end of the lease. To the contrary in bold capitalized letters there IS such a warning regarding costs and penalties for ending the lease early. It states in bold letters : " EARLY TERMINATION. You may have to pay a substantial charge if you end this Lease early. The charge may be up to several thousand dollars. The actual charge will depend on when the Lease is terminated. The earlier you end the Lease, the greater this charge is likely to be.
I have opened and reopened the complaint on this numerous times with Chrysler Capital because they repeatedly closed my complaints as if they were resolved. My last phone calls were to simply request a written response clarifying their justification. I last spoke with them on XX/XX/XXXX when I was told flatly that " the legal team will not allow any such letter '' and that " Chrysler Capital does not include policies and procedures in the contract ''. She also stated that she is " entering this into the file and closing the complaint with this resolution. '' I stated that " this is not by definition a resolution because I do not accept it. '' I have yet to hear from them again.
Please help me to recover the {$1700.00} penalty from Chrysler Capital. I simply do not understand how a bank can establish a policy that precludes them from abiding by the truth in lending laws requiring lenders to inform consumers about potential fees or charges that are neither predictable nor transparent.
Sincerely, XXXX XXXX XXXX
|
| 08/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX an agent from that company offered to defer the loan for one month due to a financial hardship suffered by XXXX XXXX as a result of a motor vehicle accident from the previous month. The company alleges that XXXX XXXX was aware that deferment required management approval. XXXX XXXX claims he was not told about this. The result was a missed payment of XXXX XX/XX/XXXX which negatively affected his credit report. After finding out the company reported a negative mark XXXX XXXX disputed it with the office of the President of SCUSA who refused to provide a fair and manageable solution or accept any responsibility for the situation. The also refused to provide a recording of the conversation which XXXX XXXX had with the company representative which would have proven the company was not liable otherwise. XXXX XXXX disputed this with XXXX and XXXX, credit bureaus and Santander refused to cooperate and remove the mark on his credit reports. This has negatively affected his credit score and ability to qualify for prim loan terms, refinance former loans, and apply for credit extensions, deferments or mortgages.
XX/XX/XXXX XXXX XXXX lost his job as a result this XXXX XXXX received unemployment benefits and alerted the company of the situation. XX/XX/XXXX XXXX XXXX paid {$550.00} in advance for the balance due XX/XX/XXXX and XX/XX/XXXX this left XXXX XXXX with the balance due of {$240.00}. On XX/XX/XXXX XXXX XXXX accessed his account and noticed a payment in the amount of {$300.00} on XX/XX/XXXX which was deposited by Santander US Bank which fulfilled the balance due on XX/XX/XXXX. XXXX XXXX called the company an inquired about the transaction. He asked the result of the advance payments from XX/XX/XXXX. XXXX XXXX was disconnected twice from XXXX different representatives. Upon calling back the third time XXXX XXXX made a payment for the amount due posted on his account for XX/XX/XXXX in the amount of {$180.00}. This payment left XXXX XXXX with the balance of {$240.00} due on XX/XX/XXXX. This is reflective of a statement received via e-mail dated XX/XX/XXXX.
On XX/XX/XXXX the company removed the {$300.00} payment made to his account claiming it was made in error and changed the amount due and due date. The amount due was changed to {$300.00} and the due date was changed from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX disputed this with the office of the President of SCUSA and was denied any positive or constructive customer service. They alleged that XXXX XXXX was fully responsible for the amount due because Santander Consumer USA was not responsible for any billing errors. XXXX XXXX has made every possible attempt to ensure his account has been paid in full with the minimum amount due on the due date outside of these two occurrences. XXXX XXXX was told that Consumer USA will hold a missed payment against him if it was not paid by XX/XX/XXXX. XXXX XXXX was told he could not speak to the next level of management as they were unavailable and they could not accept incoming calls from outside lines.
On XX/XX/XXXX XXXX XXXX paid {$180.00} which was the minimum amount which was accepted by the company to fulfill the amount due for XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX opened a formal complaint with the XXXX of XXXX, Texas and was concluded on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX contacted the office of the President of SCUSA asking for a resolution from the complaint through the XXXX, and well as information that complaints had been submitted to The Consumer Finance Protection Bureau, the Texas State Attorney General 's Office, the Connecticut State Attorney 's General Office, The Federal Trade Commission, the OCCC, and XXXX and XXXX and was told Santander would not comment or offer a settlement for the claims.
|
| 03/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I moved to the XXXX and when i was home to visit the week of XX/XX/XXXX, i did a photo deposit of a check for XXXX XXXX this was a check that was from my credit union to my santander checking account. on the XXXX they blocked my online access to the account and when had my mother call, with me on XXXX they said this was due to the amount and it will be cleared in five days, this call was the XXXX of XXXX, we called again on the after the 5 days and their fraud department said they didn't know why it was still blocked and that their manager agreed it shouldn't be blocked anymore and they will send an email to the guy to unblock the account. they said it'll be unblocked in XXXX hours. Three days later, i am still blocked so we called again and the fraud team said they will send another email because the person who blocks it has to unblock it and they aren't answering the emails. so i then raise a formal complaint about this and they said 48 hours it'll be unblocked. after three days again the account is still blocked. we called again and this time the fraud department said it is being investigated because the check looked like fraud, this was something that was never said the past three calls and only added after i raised a complaint. then they said i had to do send a certified copy of my ID, because i am unable to go to a branch since i live outside of country. my mom then went to the branch with my american drivers license and me on XXXX, we were then told there is no letter that they will accept and that i have to come into the branch to unblock my account, they also told us that there is no note about a letter. this is now XXXX different things being said and XXXX different reasons why my account is blocked. i have a bill i have to pay and am unable to because of this, also i have to now fly back to the states because the 5th person said that the notes left said i have to go into the branch, which is something none of the people on the phone said. I want my account unblocked because this is now insane and also compensation for all this back and forth AND the fact that i have to now pay XXXX XXXX take holiday time, and fly across the XXXX just to unblock my account. which three people in the fraud team have said they don't understand why its blocked. it seemed obvious that the only reason it was further investigated was because i raised a complaint because they were being so rude and telling me different things every time we called. They are holding my money hostage until i fly to the states to show my ID and unblock the account. i have no access to my money, my statements, anything because they changed their mind on why it was blocked XXXX weeks in. i will never use santander again and when i go to show my ID i want my account closed, compensation and a printed copy of all the notes left on my account. which when i asked for the notes i was told outright no they won't do that, which can't be legal.
the check was from my credit union, with my name on it, and they took two weeks to decide it was fraud, when its not i have done a photo check with those checks before with them and now its an issue.
The first three calls i was told " we don't understand why its still blocked we are so sorry, we can't get a hold of the person that blocked it, i will send an email it will be unblocked within 48 hours '' how did that turn into i have to go to the branch cuz its investigated. the only difference is i raised a complaint against them so to me this seems that they are retaliated against me because of my complaint. it seems obvious considering it turned right after my complaint to I'm being investigated and have to go in branch, when they know from the notes on my account that i live in the XXXX.
|
| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My name is XXXX XXXX. This involves my auto account with Santander Consumer USA, account number XXXX. I was involved in a car accident on XX/XX/XXXX in which my car was totaled. I reported it to my auto insurance company XXXX and Santander Consumer USA. At the time of me reporting it to Santander is asked if i should continue to make payments and i was told no, the insurance company will take over because the car is totaled. XXXX told me they could not issue a check until they received the police report and it normally takes about a month for the police report in my area. I spoke with Santander and they were aware. Early XXXX i tried to get the police report to help expedite the service but it was not ready. I did check with Santander progressive periodically to find out where things were because i needed a car. Early XX/XX/XXXX, progressive held the check because they needed my consigner signature, she was in the hospital and rehab after and i informed them that she couldn't. I informed Santander that progressive was holding the check for no reason at all and if i should be making a payment. Again i was told no and they would reach out to the insurance company. The insurance company then called me the next day and said they made a mistake they did not need the cosigner signature my signature was good enough and they mailed the check to Santander. I called Santander and was told the check was received in the system. I went to purchase car around the end of XX/XX/XXXX and found a 30 day negative credit on my report. I called Santander and was told they did not receive the check. I called XXXX and was told they did send it to XXXX. I asked why did they send it there when it should have gone to Santander Consumer and i informed them that they need to send it where i make car payments and XXXX was not the company. XXXX said they would put a stop payment on the check and overnight the check to Santander. I called Santander to inform them and asked about the derogatory remark on my credit record. I was told they would go back to date of loss of XX/XX/XXXX and remove it and all i would have to do was dispute it with the credit bureaus and when it comes through to their dispute department they will remove it. XX/XX/XXXX i called to follow up, was told again, once the check clears they will go back to date of loss of XX/XX/XXXX and remove it. XX/XX/XXXX i called to follow up, was told the check was received. XX/XX/XXXX, i called Santander about my account and i was told to call back at the end of may because money from Gap insurance was coming through and the account was not settled yet. I called XX/XX/XXXX to follow up and was told the dispute is now with dispute department and they will remove the derogatory statement and to call back at the end of may. on XX/XX/XXXX I spoke with XXXX who said they will not be removing the derogatory credit report because it is correct and Gap insurance sent a payment and then stopped payment on the account and i owe {$840.00}. I explained i dont know why my credit report is being charged unfairly for something i followed up on and was out of my hands. She said thats the way it is sorry. I told her i would fight it again and i will send the fee to close the account by certified mail on XX/XX/XXXX. I also told her i dont know why gap stopped payment and why am i just finding out. Today XX/XX/XXXX they have added another derogatory report to my credit record. This is unfair to me as the consumer and it is as if they are upset with me. I do not understand why they adding false credit reporting on me credit record. I can not purchase a car and i am struggling to get to work. I dont understand why a company would work to make it hard for there customers.
|
| 06/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX -XXXX LETTER : On XX/XX/XXXX my husband and myself arrived at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX & XXXX ) Dealership in XXXX XXXX CA XXXX at approx. XXXX XXXX. Our Salesman ( XXXX ) met us as agreed and we discussed the advertised price, features & test drove a 2019 XXXX XXXX XXXX XXXX.
During these discussions our salesman mentioned an anti-theft recovery device had already been installed in the car ( Device : XXXX ) XXXX stated, there was a lifetime fee of {$1400.00} for this service and was transferrable if it was ever sold.
Finally, at XXXX XXXX we were ushered to to Finance Dept. Spoke with XXXX, who again advised us about the XXXX Recovery device and the cost would be {$1400.00} and this would be rolled into my loan. I mentioned, that I was NOT interested in this device and asked if I wanted to cancel this service could I? His reply was, NO. Not unless you want the interest rate on your loan to go up from 2.9 % to 4.95 % or maybe more than 5 %.
I definitely felt very intimidated at this point.
I thought, WOW! That sounded like a threat .... So, I either pay them the {$1400.00} for the XXXX OR PAY an additional 2-3 more percentage points in interest?
Now, it was XXXX XXXX on XXXX and we were exhausted and had not eaten since XXXX XXXX the day before.
We signed the documents and waited for someone to show us how to operate the car, ie the lights, power seats, keyless entry, the Navigation ( GPS ) system, as well as the very complex performance features and settings pertaining to the cars traction settings.
We were also promised FULL instructions on the use of 4 items in the vehicle- the XXXX Radio, GPS, XXXX ( XXXX -HELP ) System as well as the XXXX device by the salesman. The salesman assured us that he would make sure all of these items were activated and operational prior to our leaving the parking lot.
But, NONE OF THAT HAPPENED. We were not provided any car instructions, the XXXX radio is not working, NO XXXX system is operational, nor was the XXXX XXXX XXXX system activated. ( Good thing our car hasnt been stolen yet. ) On XX/XX/XXXX, in the mid-afternoon I wrote several emails to the dealership and to the XXXX company requesting a refund of {$1400.00} or to roll this refund into my loan as a larger down payment.
My husband had been reading over the cars manuals and what the features were. He noticed that the car had a XXXX XXXX - anti-theft recovery system in place provided by XXXX. The price for this feature had already been ROLLED into the price of the car. ( It is clearly noted on the cars Itemized Window Sticker. ) Today on XXXX, I called the XXXX organization and was told they can not help me and to call the dealership. At XXXX XXXX I made numerous attempts to reach someone at the dealership- spoke to the Sales Manager, numerous sales persons, texted the Sales Manager as well as the salesman ( XXXX ) pleading for him to call me. Left numerous messages on unidentified voice message boxes. Requested that the Finance Manager or XXXX call me back to discuss this issue further.
All efforts have gone unanswered.
There is no mention on any of the documents signed that I could OR could NOT cancel. NO MENTION of a NO REFUND Policy on the XXXX. Therefore, I am not sure WHY XXXX Dealership is not willing to refund this unnecessary expense. I never authorized them to put the XXXX in my car in first place and if they want this device back ... then they can remove it.
I am well within my rights to refuse this EXPENSIVE DUPLICATE SERVICE. Why should I pay TWICE for an Anti-Theft Recovery system that I am paying as an inclusion in the price of the car which is part of the XXXX products??
Any assistance would be appreciated. Thank you.
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed this account with this company with each of the 3 CRAs some of which I disputed more than once and except for one time the had the nerve to report as accurate each one that had results returned were updated proving that they were falsely reporting. The account closed date has changed about 4 or 5 times as has the last payment date and the amount which they took my money and did not subtract it from my balance as they even show on my last dispute they instead added XXXX $ to the balance which they legally can not do since the account is closed and some times its reported as in collection and some say profit loss written off but Ive never received one default letter then they came and took my car even though according to my bank account statement I was never 120 days behind but because each payment I did make for that month they only applied to the high interest rate payment they reported it late so Im not sure how they actually repossess my property after they wrote off the principal balance as a loss to their shareholders as one customer service agent told me on a recorded conversation about that. So they never sold the debt and they continue to say this is an attempt to collect a debt even though the Supreme Court ruled that this company cant refer to themselves as a debt collector to the consumer if they didnt purchase their debt from another source they cant refer themselves to me as debt collector because they acted as my lien holder and they only have the primary purpose of serving as a credit lender Im pretty sure that they need to sell my car in a reasonably time frame so they can inform me if I can buy my car back since the refused to give me my reinstatement fee for receiving my car back they also have never once sent a debt collector letter or one phone call.yet they report on my credit report sometimes yes and sometimes no that Im in collections but never once have I Gotten one letter or call and Im still waiting for the copy of my default letter from them, seriously why would I Have given them XXXX $ after I knew I was charged off! That money isnt even accounted for anywhere! This company just got sued in federal court in XXXX for exactly the same reason Im asking for your help with the have breached the order of consent that a federal court ordered for XXXX XXXX dollars just 8 months ago and they have no respect for the law and now they are just trying to ignore the very core of the law and think they can continue to break people which Im not the only person that feels this way but Im the one who will start the war because I have faith in the system that you will do the right thing to make them do what they are ordered to do they cant report my car as a loss then turn around and with no debt collector try to use it to make it an asset and hold me for the deficiency. Thats so wrong and on top of all of that the agreed with me that the copy of the bill of sale from the dealership that the give kickbacks to did not sign!
There is absolutely no signature anywhere on that paperwork from the seller so actually this loan is not even binding and I can prove it because when I brought it to the attention of the creditor they did agree there was no signature on their copy as well But they are gon na just use the previous one that was void due to my wanting to Change my service warranty and then we had a new final agreements which they failed to sign which makes the agreement not binding! So therefore a retail agreement can not be final on a vehicle buyer order that doesnt have both signatures the buyer and the seller which means the terms are not official and you cant draft an agreement with the lender unless the price is mutually agreed upon
|
| 04/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In XXXX Santander hired a third party company called XXXX XXXX XXXX to repossess my vehicle after a long drawn out dispute about the loan amount owed to Santander back in XX/XX/XXXX. I spoke with more than 10 agents between XX/XX/XXXX to XX/XX/XXXX when I was strong-armed into paying Santander with money I didnt have which I had to borrow due to low income. By repossessing my car which is a necessity for me to look for employment and feed myself it caused emotion distress, I ask for COVID-19 deferred payments and/or smaller payment which they contested and said They dont provide earlier in the pandemic. Santander collections practices were predatory during the on-going COVID-19 pandemic, I asked for an investigation of accurate payment history and the amount owed to Santander as it did not look accurate as checked in the account they provided to make payments ; and felt I was being charged a higher than normal interest rates not contracted ; all while being furloughed and eventually terminated from work due to COVID-19. The company made it very difficult and put more pressure and hardship on me while looking for answers to my questions about the accuracy of amount owed on the car loan. I submitted a CFPB complaint about Santander in the past because of this run around which caused a great deal of stress. After submitting my complaint, when I would call Santander the customer service representatives would say they do not see a complaint for my account and wouldn't verify if the amount owed on the car was accurate or not and how this was determined which they responded with repossessing my car. Secondly, after stressfully looking for the funds to get my car back from repossession, I was able to retrieve the car back from the XXXX XXXX XXXX the 3rd party hired by Santander after paying Santander {$2000.00} in the allotted 10 days they pressured me to make payment. When I went to XXXX XXXX XXXX pick-up location I found damages to the vehicle while my car was in their care. Both companies ( Santander USA Consumer and XXXX XXXX XXXX ) refused to resolve the issue. XXXX XXXX XXXX caused drag damage to the front bumper. XXXX XXXX XXXX also broke into my car ( they didnt have access to my keys ) and left scratches on the leather portion of the door, and detached the weather seal around the drivers side and passenger side. My property was removed from the car and put into trash bags, even though payments were made in the allotted time. When asked about my personal belongs XXXX XXXX XXXX advised the car was being prepped for auction. I witnessed employees of XXXX XXXX XXXX inside vehicles including mine without mask, gloves, or following any COVID-19 protocol. They refused to let me view the vehicle before signing paperwork, stating that the paperwork needs to be signed in order to see/retrieve the vehicle. I filed a complaint to Santander USA Consumer about the 3rd party they hired XXXX XXXX XXXX because that is what the third party advised me to do. When I filed the claim Santander USA Consumer did not address any of the issues and told me to go back to the XXXX XXXX XXXX after this same company told me to contact Santander because thats who hired them. Santander is denying responsibility for the damages to my vehicle, and Santander said XXXX XXXX XXXX is denying claims of damages. Thirdly, due to Santander unwillingness to work with me on the car payments I could afford during the pandemic, they placed derogatory marks on my credit profile with the 3 credit bureaus and has since caused hardship in getting my life together, as I want to relocate but with such marks on my credit file from Santander it will be difficult relocate and make the needed adjustments to do so.
|
| 06/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Today I received a resolution letter from Santander Consumer USA , Inc / Third Party Debt Collector stating that they " have completed their research of my concerns and they have a resolution ready for me '' and to give them a called at a specific number provided on the letter attached. After calling that number I spoke with four different agents with ID numbers provided : XXXX ID # XXXX, XXXX ID # XXXX, XXXX- ID XXXX XXXX, and XXXX- ID # XXXX. XXXX had very horrible consumer service, trying to talk over me with a loud voice using profane language. Never-the-less, XXXX was using profane language pursuant FDCPA by saying that I owed a " debt '' and " payment since not defined in the FDCPA. I asked XXXX if I could speak with her manager and she rudely said " I transfer you '' and my call got disconnected. To conclude, I have checked my login account Chrysler Capital and there is no " past due amount shown '' and my consumer credit report is showing that the Chrysler Capital account has charged off. I have not knowledge of what gives Chrysler Capital or especially Santander Consumer USA , Inc / Debt Collector the right to enforce a payment with no security interest. I have contact the secretary of state of missouri by submitting a certified Lien Search UCC11 to see if there was a UCC Lien on my name by any of these alleged " Lenders '' and the only Lien on the VIN number is held in my Trust. I'm confused on what these alleged third party lenders have to give them a right to enforce a payment from XXXX XXXX XXXX XXXX Chrysler Capital and Santander is in violation of the FDCPA, TILA, Consumer Credit Protection Act and etc for attempting to defraud me. The " retail installment contract/ Purchase Money Loan '' in regards to the truth in lending disclosure is defined as " A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. These billing errors may be assumed to be willfully intent on misleading and or deceiving the consumer of the character / amount of any debt ( 15 U.S.C, 1692e ). All debts obligations and securities are owed to the United States ( 18 U.S.C. 8 ). Furthermore, ( 15 U.S.C. 1602 ( y ) ) states " that payment was made when I used my credit card '' -As used in this section and section 1666f of this title, the term regular price means the tag or posted price charged for the property or service if a single price is tagged or posted, or the price charged for the property or service when payment is made by use of an open-end credit plan or a credit card if either ( 1 ) no price is tagged or posted, or ( 2 ) two prices are tagged or posted, one of which is charged when payment is made by use of an open-end credit plan or a credit card and the other when payment is made by use of cash, check, or similar means. For purposes of this definition, payment by check, draft, or other negotiable instrument which may result in the debiting of an open-end credit plan or a credit cardholders open-end account shall not be considered payment made by use of the plan or the account. ( 15 U.S.C. 1602 ( L ) ) which states - " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, a consumer contract is not sufficient evidence of debt reference to case Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( Haw. XXXX ).
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have attached proof that I have filed XXXX disputes by mail and one by phone. XXXX XXXX XXXX and XXXX which I attached proof Of the disputes that I mailed through certified mail below I still to this day never got a response at all on my first dispute that I sent in 2020 I have now mailed three disputes since then by mail and also another dispute over the phone no progress is being made I even reached out to all three credit bureaus and they claim there is nothing that they can do I feel like its the companies word against mine The company that I am referring to is Santander consumer USA They have been reporting inaccurate information on my credit report every time a dispute is over its always different information one moment they stat its a balance on account another moment the Account says zero.
The balance on my Credit report is inaccurate. This account has been updated multiple times with inaccurate information not to mention the information that is being reported is not the same across all three credit bureaus. Also, this account is in Litigation due to deception of predatory lending Practices account falls in the time frame of the lawsuit against Santander consumer for predatory lending practices I discussed my problems with the dealership and what they stated to me is that the guy who sold me the car no longer works at the dealership anymore and I would have to contact Santander consumer USA.
I was able to get in contact with Santander consumer when I had the Vehicle in my possession, I even talk to them about the bad contract they always told me that they were going to investigate it but after the car was picked up, they magically didnt know me anymore or have my file. The representative stated I had no account with them which didnt sound right I kept calling them about the car to see what was going on and every time I called, they told me the same thing but when I contacted all three credit bureaus, theyre able to talk to Santander or at least send them disputes and thats when Santander responds with Inaccurate updates. on my second dispute they dropped my XXXXredit score XXXX points by lying and Saying That I have an active open car loan with a balance with them this has been a few years now its no way I have an open car loan with them Then on the other disputes they update that the account is closed with a balance it shouldnt be a balance at all If someones information keeps changing its no way that theyre telling the truth they update what they want to your credit everything about this account is inaccurate it started at the dealership an the faulty contract.
Its inaccurate from the amount which should be zero the pay history is wrong I never missed a payment when I had the car, The time frame I had the car is also wrong the term is wrong an not the same the information that they updated to my credit report is not the same across all three credit Bureaus which Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. XXXX told me there is nothing that they can do but at this point it doesnt even seem like they are investigating at all theyre just updating my credit with the same inaccurate information that keeps changing back-and-forth from open to close with a balance dropping my score every time as if this is being done on purpose XXXX and XXXX only responded one time out of the four disputes Which is unacceptable I really feel like Im getting taken advantage of And walked over I also did receive a payment from the lawsuit with Santander an they continue to report false information and I see its not just me its multiple people that this has happened to please look into this for me thank you.
|
| 03/01/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
In XXXX I applied to drive for XXXX and was told I could lease a new vehicle with special rates through SCUSA-Santander Consumer USA. The nearest dealership offering this program was XXXX in XXXX, CA. I went to XXXX and was told if I put down {$1000.00}. that I could lease a new XXXX with payments deducted weekly from my XXXX earnings. On XXXX, I paid XXXX {$1000.00}. cash to lease a XXXX. A week later, the contract was sent for me to sign. The term was 52 months and the weekly payment would be {$180.00} or {$870.00} monthly. At the end of the 52 months, I could purchase the car for {$1.00}. An additional {$1000.00}. deposit would also be deducted in 52 weekly payments. I accepted the terms, signed the contract and sent it back to Santander. Finally, on XXXX, XXXX from XXXX called, said the car had been funded and I picked it up the next day. I began driving for XXXX on XXXX. The first Vehicle Fee was deducted from my XXXX earnings of XXXX-XXXX in the amount of {$200.00}. SCUSA records show this as {$180.00} payment. ( {$170.00} + {$13.00} tax ) The remaining {$19.00} was for the {$1000.00}. deposit. Nearly 5 months passed. Each week I earned more than enough to cover my lease payment and deposit. The week of XXXX-XXXX, the Vehicle Fee went up to {$220.00}. Santander records list this as lease payment of {$200.00} and {$19.00} deposit. For the next 3 weeks, {$220.00} was deducted. Then, for the week of XXXX-XXXX, the Vehicle Fee deduction was {$380.00}. The next week it was {$220.00}, then week ending XXXX, Vehicle Fee was {$400.00}. After many calls to Santander resulting in being put on indefinite hold, I spoke to SCUSA rep XXXX on XXXX. She said, " I see your contract dated XXXX and it shows payments of {$200.00}. The higher deductions are to get you caught up on your loan. '' I told her my signed contract agreed only to payments of {$180.00}. and asked to speak to a supervisor. She said her manager was on another call and would call me back and asked if I wanted a copy of the contract. I said yes. She verified my address and said it would be sent within 5-7 days. I never got a call back nor did I receive the contract. Repeated calls resulted in long hold times, hang-ups and no resolution. Finally, on XXXX, I spoke to XXXX, with the Santander President 's Office. Why was unauthorized money being taken from me? After all, I have a signed contract. She responded, " The contract was wrong so they changed it. '' I told her there was no notice to me nor did I re-sign a new contract. She said, " It is what it is. I 'll send you a copy of your contract dated XXXX. '' Then she hung up. I never received this copy either. Over the past year, I was told that my loan was past due as I argued that it is not according to the terms of my signed contract. For 130 weeks I have been illegally overcharged {$14.00} per week for a total of {$1900.00}. Add this to any " past due '' amounts to make the account current. I continued to try and resolve this issue to no avail. I asked if they were going to repossess my car and was told that only after 90 days past due and if payments ceased. Each week, payments were deducted from my earnings and paid to SCUSA. Despite this, on XXXX my car was repossessed. I called SCUSA and was told that my car was repossessed due to the account being 68 days past due with no recent payments received. I told them payments were made weekly, as shown on my statements. They said there was no reinstatement in California. Upon logging in to SCUSA My Account on XXXX, it said {$400.00} was past due and payable on XXXX. SCUSA was slow to credit the weekly payments from UBer on my behalf and in addition to overcharging me, unjustly took my car.
|
| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
Santander Consumer Loan has already been sued by the Federal government, however they refuse to do the right things as agreed upon in court.
I am very upset at Santander reply to my request for help. Like many other consumer who obtain these bad loan I need relief as its weighing heavy on my health and XXXX state knowing that SANTADER has violate Federal law and taking advantage of minority consumers. I reached out to the CEO, Georgia Attorney General, Congressman XXXX XXXX, Governor XXXX XXXX, XXXX XXXX XXXX, and many other to look closely into this matter as the consumer of these bad loans are still suffering without the promised relief from Santander Consumer USA. After, my inquiry and proposal I was told by a Rep sorry just make your payment because you are not behind and there is nothing we can do. The Rep also, stated that I should get the loan refinanced to reduce the payment. The funny this is no finance company wants to deal with consumer because they dont want to be tie to the fraud and abuse from Santander Consumer Loan is known for. The call was pointless today XXXX XXXX, XXXX, XXXX @ XXXX ) from the Rep. I will push for relief to my last XXXX breath, because as a XXXX women SANTANDER prayed and offer bad loans to us for capital gain violating federal law.
LAW FACT : Santander Consumer Loan allegedly violated consumer protection laws in targeting buyers who were more likely to default for risky loans, according to court papers filed in XXXX XXXX XXXXSantander agreed to pay {$65.00} XXXX in restitution to subprime consumers people who dont have adequate credit scores or histories who defaulted on loans between XXXX XXXX, XXXX, and XXXX XXXX, XXXXConsumers across the US who defaulted on their loans and havent yet had their car repossessed as of XXXX XXXX, XXXX, will be given the titles to their vehicles and have the balances on their loans forgiven totaling up to {$45.00} XXXX. In addition to pushing the risky loans on applicants likely to default, Santander allegedly turned a blind eye to dealerships that let consumers fudge the numbers on loan applications about their income and expenses, including mortgages and rent costs. Santander would allegedly confuse and mislead consumers about the costs of partial payments or extensions on their loans, including not informing them that a payment wouldnt necessarily stop their car from being repossessed, according to the court papers. Going forward, Santander has agreed to not give loan extensions to people who default and have no more income. Santander has also agreed to forgive loans for people who default in the future, if their loans were found to be unaffordable at the time of signing. The bank will no longer allow problem dealerships to waive proof of income and expenses by applicants.Santander defrauded desperate consumers by placing them into auto loans the company knew these customers could never afford to pay, resulting in defaults and negative ratings on consumers credit reports, XXXX said in a statement. This settlement will not only provide much needed relief to struggling XXXX XXXX but will ensure Santanders dishonest behavior is put to an end immediately.
Santander said in a statement, SCs voluntary agreement with the attorneys general resolves a legacy underwriting issue stemming from an investigation that commenced in XXXX, and is another key milestone in addressing issues related to that time period.
We are pleased to put this matter behind us. So do consumer that was taking advantage of through a real program with loan forgiveness or loan modification.
PLEASE REPLY WITH A REAL SOLUTION VERSUS, AN IM SORRY THERE IS NOTHING WE CAN DO! PLEASE REPLY BACK VIA EMAIL ONLY
|
| 04/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
This is in reference to my attempts to receive a duplicate title to renew tags.
XXXX : I paid my property taxes to take my current title that I received shortly after purchasing the vehicle to the DMV to update plates and was told I could not use my current title because it was repo. I called that day to my lender Santander Consumer USA and was like what do I need to do. Santander XXXX reinstatement paperwork and I sent back all requested documentation XXXX the next day. I'm calling every couple of weeks to check on the process, they tell me their 3rd party has it ( I now believe is XXXX XXXX XXXX at the time I didn't know ). XXXX, XXXX, XXXX, XXXX still no title. I get pulled over in XXXX Not because of a moving violation, but due to my tags. That was XX/XX/XXXX. I called my lender after receiving a ticket and asking where is my title??
So was told, they don't know, they have their title team working on it. I told them my court date and demanded they send me a letter indicating that it is not my fault I don't have a title. I received a " STATEMENT OF FACT '', stating when that I filed my paperwork on XX/XX/XXXX to have the title flipped back in my name, " due to an error by our title vendor they misplaced all her paperwork and is causing a delay for us to get a title flipped back into her name. As of XX/XX/XXXX, we have resent paperwork to the customer to start the process to have the Missouri title in their name. '' Dated XXXX XXXX statement of fact - just explained reinstatement paperwork was sent AGAIN to the vendor with a tracking number on it, that was signed XX/XX/XXXX two days before the court ( 12/18 ).
Court : Guilty with an explanation. Provided judge with the two notarized statements of facts and he dismissed my cause because we all believed I would have my title soon. Without those letters, I could have fees to pay.
By the end of XX/XX/XXXX, still no title! No one can find the paperwork AGAIN! I had to do it again a third time!! By this time I am upset!! My stress level and anxiety have gotten so bad due to this situation. I'm consistently looking over my shoulders. Got pulled over again on XX/XX/XXXX nonmoving but tags! I have a court date of XX/XX/XXXX. I demanded they send me another statement of fact in case I don't have a title by then, GUESS WHAT STILL NO TITLE. They refused to send me one and said I should have my title before then and if I don't they will send me one, STILL, DON'T HAVE A TITLE OR A STATEMENT OF FACT LETTER. XXXX I was told by the XXXX XXXX XXXX XXXX that they sent a title to the lender on XX/XX/XXXX. The lender says they don't have anything. XXXX XXXX XXXX says yes they do, lender, no they don't. XXXX XXXX said we were told to send the title to XXXX XXXX XXXX and Santander. I called XXXX XXXX XXXX in XXXX and they had no record of my title.
Current Day week of XX/XX/XXXX : Lender vs XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX gave me the title number lender needed to look up. The lender representative tried to fight with me that she looked it up by name, no title found. I tried to tell her the title might be listed under my previous married name, she didn't bother, rather got an attitude ( this was all this week. ). I called XXXX XXXX back explained to the rep, they looked up the title no record of having it in the system. The representative from the XXXX XXXX XXXX XXXX started sighing on the phone as if she wasn't trying to hear what I was trying to explain to her. When requested to speak to a supervisor she refused, said she could not transfer me, took my number down for a supervisor to call me two laters no one has called. Both parties are telling me completely different things and I have had it.
|
| 08/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
Chrysler Capital. refused new loan based on my XXXX income. When I first bought the XXXX XXXX XXXX the sales person lied, the car was n't certified, it had interior problems, and more I do n't know about. The sales person knew of my XXXX, and that I needed a newer car to reach my DR 150 miles one way every three months. I was rushed, I was thrown into the sale, and out the door. That was XXXX XXXX in XXXX Fl. I have been trying to trade this car for a year, I do n't trust it. In XXXX XXXX I made enough on XXXX to qualify for a loan, nothing has changed, and now You Chrysler Capital tell me I do n't make enough money. I want to trade the XXXX not keep it and have two loans. The will not look at my income because I do n't make enough money. I did for the first loan, can you tell me why? Did XXXX lie about my income? I need to trade this car, I like the car I want to stay with Chrysler Capital, even though they are charging a XXXX person 7.3 in interest fees. People have told me they could n't do that either. I never missed a payment, I would love the newer car, I need it, my illness is permanent it wont kill you, you just wish it would. My income wont change. Chrysler Capital is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act ( ECOA ), Chrysler Capital is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are : sex, marital status, race, color, religion, national origin, age ( provided the applicant is of legal age ), income derived from public assistance and the fact that the applicant hasin good faithexercised any right under the Consumer Protection Act ( i.e. the right to lodge a complaint ). We recommend you make and retain a copy of our Privacy Policy or request a copy by calling XXXX. Payments to date.
Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$71.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$75.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$77.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$70.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$78.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$140.00} ) Interest ( {$81.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$92.00} ) Interest ( {$130.00} ) Fees -- Misc. Fees --
|
| 10/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XXXX of 2015 I went to a local XXXX dealership to purchase a used car. I was offered a XXXX Nissan Versa, sticker price was listed at $ XXXX. I signed a sales agreement and put {$2000.00} down. The dealership told me they would negotiate my loan, I advised I wanted it to go through my credit union, but they said it would most likely go through " someone else ''. I was allowed to drive off the lot and was told my first payment of {$270.00} would be due XXXX XXXX, and to be on the lookout for my loan contract in the mail. XX/XX/XXXX goes by and I received nothing in the mail. XX/XX/XXXX I began calling the dealership, requesting information about my loan. I received a confused and vague, " We 'll have to call you back. '' I never received a call. XX/XX/XXXX comes, and I started calling every week, prepared with money in hand, to make my first payment. No one could give me any answers, every time I called I was told I would be called back. In XX/XX/XXXX, my calls started going to voicemail. XX/XX/XXXX, I get a paper message stuck to my door saying I need to call a XXXX number because my car was in danger of being repossessed. This is the first time I received any information that my loan was through SANTANDER. I called and was told I was behind and that I needed to pay. I made the first month 's payment only ( {$300.00} ) and requested my information, ( and a receipt ) stating I had never received their welcome packet or loan contract/agreement. XX/XX/XXXX went this way, they called and demanded I pay what I was behind on, I requested my loan information, stating EVERYTHING above. I was told repeatedly, they sent it, but it was n't until the end of XX/XX/XXXX that someone happened to check my address, and we found out that the dealership had entered my address incorrectly, mixing up my old address and my new zip code. This address did not exist, and there was no way this could have been forwarded to me. I was told my address was corrected and that I would receive my loan contract, BUT I STILL NEVER RECEIVED IT. XX/XX/XXXX comes and I stupidly continued to refuse to pay, wanting my loan contract and information. My car was repossessed on XXXX XXXX. I had to pay over {$1400.00} to Santander to have the release order made, and then had to pay another {$400.00} dollars to retrieve it from impound. Here 's the kicker : throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX, I have had to pay an additional {$300.00} dollars to my $ 300 monthly payment. ( XXXX was when I finally received a paper statement in the mail, with only XX/XX/XXXX 's information, the repossession payment. ) When I called XXXX XXXX to make my XXXX payment, I was advised that this additional {$300.00} was repossession fees. I expressed I had been asked to pay a total of {$590.00} every month since XX/XX/XXXX, and asked how long I had to pay repossession fees. I was told that XX/XX/XXXX 's payment would be the last month of repossession fees and that in XX/XX/XXXX, my payment would only be {$290.00}. When I received my XX/XX/XXXX statement, the total required is {$590.00}, meaning I 'm still being asked to pay a repossession fee. I feel like I 'm being taken advantage of, because of the repossession I am now at their mercy, being unable to refinance with my CU or any other loan company. They reported this to the credit bureau and now where I was rebuilding my credit and recovering, I am now back to the bottom. In addition to all of this, I checked my online statements, and have realized my loan is for $ XXXX, meaning not only was the sticker price at the dealership wrong, but they lied to me! And I still have not received my loan agreement or loan contract.
|
| 11/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Let me make this very clear to Santander Consumer. It is NOT necessary and condescending that your Response letters keep insinuating I am NOT knowledgeable about how our Simple Interest Method is Calculated. If, Santander had a true auditor and reviewed my audit it would be noted that I am fully aware of the calculation method of the XXXX corners of our Contract. Therefore, stop that verbiage.
Additionally, your response letters keep referring to additional accrued because of the DUE DATE. It is not additional accrued interest because the daily interest rate is calculated as days between payments. Stop this verbiage too.
You are incorrect about the first two payments accrued interest was not fully satisfied until XXXX XXXX, XXXX. As Santander has previously stated " The Interest Accrual period commences at the Date of Purchase. Therefore, the purchase date is XXXX XXXX, XXXX. The first payment was received XXXX XXXX, XXXX at ( XXXX. ) The daily interest rate is 15.49 from XXXX XXXX thru XXXX XXXX at 18 days. The finance charge is XXXX the principal applied is ( XXXX ). The second payment ( XXXX ) the daily interest rate is 15.38 at 26 days between payments. The finance charge is XXXX. ( XXXX ) is ADDED to the Unpaid Principal Balance.
HERE IS SANTANDER FIRST 'S MISTAKE : YOU CHARGED 40 DAYS OF INTEREST FROM XXXX XXXX, XXXX THRU XXXX XXXX, XXXX.
Our first payment is XXXX XXXX, XXXX NOT XXXX XXXX, XXXX. The first payment was 18 DAYS NOT 82 DAYS. The second payment is 26 days between payments. This is fraud.
The third payment you applied the entire XXXX to interest. Now, Santander has charged us XXXX in interest.
The fourth payment XXXXyou applied XXXX to interest. Now, Santander has charged us XXXX in interest. This calculates at 124 days between payments at 15.49. Santander has now received a total of XXXX payments at XXXX and only XXXX was applied to the Unpaid Principal Balance.
According to Santander you did not receive any payments from us until XXXX XXXX, XXXX. In fact, you received the first early payment on XXXX XXXX, XXXX for a total of XXXX payments. however, your calculations are not giving that result to the Unpaid Principal Balance. This is fraud.
Santander has clearly breached our contract. The Unpaid Principal balance as of the fourth payment is XXXX. Santander Unpaid Principal balance is XXXX.
I have clearly proved this point pursuant to my XXXX audits based on Santander 's statements and have ended with the same correct payoff balance. Also, I have proved your starting balance on XXXX audits is incorrect, therefore, every calculations for interest charged and amounts applied to the Unpaid Principal from that point forward is WRONG and fraud.
As for the XXXX XXXX, XXXX, Santander 's own Account History shows XXXX transactions for XXXX XXXX debit, and XXXX credits. This is a NSF check, therefore, I am NOT sending Santander a canceled check. The XXXX credit you applied XXXX to interest, the XXXX credit you applied XXXX to interest. The XXXX debit you applied XXXX to interest. Once again, this creates a inaccurate Unpaid Principal Balance.
As of XXXX XXXX no late fees can me charged to my account due to the paid in advance status. You have all my correspondence regarding this issue. Credit those late fees. Prior to XXXX XXXX credit my account for accrued additional interest due to the Contract is calculated days between Payments.
XXXX continuously proves a fraud audit. My audits have sustained the same accurate payoff balance. The correct payoff balance is XXXX not including late fees prior to XXXX XXXX. Additionally, remove the 30-Day Late for XXXX XXXX from our credit report. This is fraud.
|
| 11/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To Whom It My Concern ; As a consumer in the American credit community, I feel singled out as an African American minority and being abused by Santander Consumer USA.
I have disputed with Santander Consumer USA several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect. XXXX has already deleted the WRONG information from that bureau but XXXX and XXXX continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe Santander is trying to re-age the debt.
Contrary to the FCRA, and the credit scoring procedures, Santander Consumer USA has falsely reported multiple charge- offs, for each month since the actual single occurrence, rather than the single charge off that existed, resulting in increasing negative impact over time.
I use to speak very highly of Santander Consumer USA but today am a different story. At one point Santander was a company I respected and was very thankful of. Back in XXXX I was in financial trouble and my car was repossessed. Santander assisted me on getting my car back and I was able to within 2 weeks. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home and seek employment for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander.
Santander did report the repossession back in XXXX but every since then they have also reported this as Charge Off/ Write Off Bad Debt. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all 3 credit bureaus and with the Consumer Financial Protection Bureau, asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander about the negative reporting I get nowhere. Its been all about money for them and not the fairness to their customer.
I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt I owe them. Each of my credit reports shows different information my XXXX continue to show a Closed Charge Off and my XXXX shows Open Charge Off..
I am filing this complaint because the unlawful terms of this car loan with Santander consumer USA. I requested that this account be re-aged and all fees and charges that were added to the account and the demand that I pay the amount of XXXX {$19000.00} XXXX be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth { {$3400.00} } for this vehicle, but I still owe approximately { {$19000.00} }.
Please investigate this company.
Sincerely XXXX XXXX XXXX : XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 07/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX or XX/XX/XXXX I requested that my service contract be cancelled that was purchased in the total cost of my vehicle on XX/XX/XXXX. At that time I was informed that a refund would sent to me in the amount of {$840.00}. Instead I requested that the refund be put towards the remaining balance of my car. I spoke with then finance department at XXXX XXXX who confirmed that they payment would be applied to my auto loan as requested. At the time of the cancelation I was approximately XXXX days past due on my auto loan. The payment was processed and submitted to Chrysler Capital on XXXX and was applied to my account well before the thirty day pass due deadline. Sometime in XXXX I received a message stating that I had not made a payment and was nearly thirty days past due. I inquired about this and learned that Chrysler Capital took my payment and never gave me credit. They informed me that the payment was not made by me, but because it was made by the dealer it does not count as a regular care payment. I then asked why as it was being reported on my credit report as a regular monthly payment. After a lengthy conversation my account was referred to the Presidents office for review. On XX/XX/XXXX I spoke with XXXX or XXXX who reviewed my account and attempted to explain the situation by providing me misleading information about how the payment was processed. He then stated that he would submit a request to correct my credit report and remove the XXXX past due marks for the month of XXXX and XXXX. He then informed me to contact him when I made my payment in XXXX and he would verify the account to make sure that a payment was made before adjusting the account for XX/XX/XXXX. After submitting my payment via XXXX XXXX XXXX bill pay I attempted to contact the presidents office again to inquire about the corrections and to let XXXX know that my payment was made. At that time I was informed that my case had been closed on XX/XX/XXXX. I was then alerted by my credit monitoring system that a XXXX day notice was placed on my credit report. I pulled my report again and observed that after making the corrections for XX/XX/XXXX early that month, Chrysler Capital then change them back after I made my payment on XXXX XXXX. I contacted the presidents office again who is now stating that they have no record of my conversations and stated that they closed my case due to a failure to contact the consumer. When I spoke with them on the XXXX it was clear that they knew of my issues and attempted to try and provide misleading information about payment processing. When I requested that information in writing I was referred to the legal department, but was not provided a phone contact, but just a fax number. I then asked for the payment back and stated that if I am going to be penalized for a payment made by the dealer then I want the refund back so I can decide what to do with it. They stated that it does n't work like that and its nothing I can do to change my status. Attached are copies of my credit reports that were adjusted by Chryslers for the negative payments in XXXX and soon after my payment in XXXX were changed back. I have since called XXXX additional times but can not get anyone to assist me. The person who originally took my complaint is never there in the office and they refuse to send me a copy of my contract which states that the cancellation of a service contract requires the consumer to send the refund back to the lien holder even if the contract was purchased in the total cost of the vehicle. The contract was included in the financing and the total price of the car, which I am still paying interest on today.
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My XXXX ex-husband died unexpectedly on XX/XX/XXXX. He had used his savings & his current XXXX purchase his vehicle in XX/XX/XXXX. He had less than 1/3 of the total vehicle 's purchase amount on the auto in a loan w/ Chrysler Capital XXXX The principal balance on the loan was {$27000.00}. The only way we knew there was a remaining balance on the auto is when Chrysler called his phone in XX/XX/XXXX when he had missed his monthly payment and my daughter attempted to speak with them. They refused to speak w/ any of his family members regarding monthly payment amounts or what the payoff on the loan would be until they had received a copy of his death certificate... COVID had put a greater than 6-month delay on receipts of death certificates in our area. His daughter and I explained that & attempted to make arrangements for payments & /or for total loan payoff EVERY time ( XXXX through XXXX ) Chrysler Capital called to no avail. They continued to refuse to disclose any payment or payoff information to us until they received death certificate or estate appointment. We sent his death certificate immediately on receipt to the company via e-mail & fax on XX/XX/XXXX & then were told that we were responsible for late fees & past payments w/ interest up through current date but still would not disclose amounts. After they had obtained his death certificate and estate appointment, my daughter ( who is a college student ) called and she was rudely spoken to & bullied on the initial call on XX/XX/XXXX when she was attempting to make a payment and negotiate a payoff and was declined. On XX/XX/XXXX the second call the next week, when we did everything we could to just barely scrape up enough to cover the principal balance of {$27000.00} in good faith to pay the loan off, my daughter was rudely spoken to again so she requested a new representative to speak with. The representative refused her and proceeded to condescendingly explain loans to my daughter. After my daughter 's second request, my daughter was placed " on hold '' but the representative wasn't aware she came back on our call & was rudely talking about my daughter & was telling a co-worker that my daughter just wanted to pay " whatever she felt like paying '' ( with a tone insinuating that we had the money & just didn't want to pay on the loan ) & was saying she wouldn't transfer her. When the representative realized she had connected back to our call, she put her on hold, transferred the call & the new representative would only remove the accrued late fees from the date her father passed ( XX/XX/XXXX ). I have been on every single call made to Chrysler Capital with my daughter ( as I had attempted to speak with them and they refused me ) and heard EVERYTHING that was said to her. We were told we were still responsible for all interest/fees from the time he passed until the time they would actually speak to us ( 8 months in total ). We tried to find out how much he owed & would have made arrangements for payoff in XXXX when we found out about the loan but the company wouldn't even speak to us at that time through no fault of our own. It was Chrysler Capital 's policy which prevented us from obtaining payment and payoff information. They stated the outstanding balance to pay the loan off was {$28000.00}. This is {$850.00} that my XXXX daughter and I have to pay that could have been completely avoided had they let us pay the loan off in XXXX or they could have written off due to these unforeseen circumstances. The manner in which this company does business with regard to a XXXX XXXX 's death is repulsive, especially in sensitive circumstances such as this!
|
| 01/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Purchased a XXXX tc from XXXX with financing from Santander Consumer USA. Was unhappy with the car and returned it 2 days later as per XXXX 's guaranty. On that day I purchased a XXXX XXXX financed again by Santander Consumer USA. Logged into my account on Santander 's website to make my first payment and noticed that the XXXX was on my account, not the XXXX-the car I actually have. Called Santander and pointed this out. I was first told that there is no record of the XXXX, and it takes a week or so to get the new paperwork. I informed them that it had been over a month. I was then told by another person that the paperwork for the XXXX had been cancelled, and it must have been XXXX 's fault for not sending the right paperwork. I went back to XXXX and explained the situation. They were very helpful and showed me the correct paperwork that was sent in to Santander the day I purchased the XXXX. I called Santander to tell them this. This time they said they had no record of any second loan being cancelled and accused XXXX of lying to me and I should go back and make them show me their computer screen (? ). I returned to XXXX and they called Santander and got nowhere with them. XXXX then spent the next week on the phone with Santander and kept in contact with me, stating that XXXX financial dept. had taken over my problem and hopefully would be able to sort things out. After a few more days XXXX said that Santander had informed them that indeed the problem was on their end. XXXX gave me a contact number with someone at Santander to call. Before calling, I tried to log into my account with Santander to see if anything was changed and could not due so because my account had been XXXX. I contacted Santander again, this time through their online complaint department to relate my dissatisfaction with the way I was being treated, and to ask if my account had been XXXX as part of the resolution to their mistake. I was told " This is definitely not the experience we want you to have, we appreciate your business and thank you for giving us a chance to correct the issue. The account has been closed and this is why you were not able to log in online. At this time no other loan has been boarded, we will monitor and contact you when once it has been completed. Thank you for your patience your feedback is helpful as we strive to improve our customer experience. Please let us know if you have any questions. '' Two days after this on Sunday, XXXX XXXX, I received a call from Santander and they informed me that all I had to do was make a payment and they would fix everything. I asked them when they would have the account online, or send me a bill with the correct vehicle and they said they could not do that until I made the payment. I asked them how can I make a payment on an account that does n't exist, and they told me that I both do, and do not have an account (? ). They then informed me that the only other way for me to get an official account, with an account number and everything, besides making the payment to the over the phone, was to go back to XXXX and have them redo the entire purchase of the XXXX. I did not want to do this, and asked why I was having to go through this process if they were the ones that made a mistake, and they informed me that they did not make a mistake, they just miss the second loan sometimes. Wanting to be done with the whole thing, I asked what the amount was that I had to pay, because the XXXX cost @ {$1000.00} more than the Scion and was told {$340.00}, the payment for the XXXX, Not the XXXX that I have. I filed an other online complaint that day and have not received any response.
|
| 09/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a car in XXXX XXXX through XXXX XXXX XXXX. XXXX XXXX XXXX apparently sold my loan to Santander Consumer USA. I continued to make payments on the loan until a financial hardship developed which caused me to miss 1 year and 3 months from work. I did the best I could to keep up with the payments in spite of my health and none work status but, soon noticed the balance did not go down after several years of paying on the vehicle. The vehicle was even reposed in XXXX or XXXX, I do n't remember the exact date, but I paid all fees and regained possession of the vehicle. Even though the vehicle was n't dependable after the repossession, I continued to drive it until it became totally disabled to the point of needing an engine. I could not afford to pay for an engine plus make the monthly note on the car so I decided to try and settle with Santander for a lower amount then the original payoff, especially since I had already paid over XXXX to Santander. I remind you the original loan amount was XXXX I 've had several repo representatives contact me as well as someone stating she was a private investigator, contacting me on behalf of Santander. I thought for sure I would get somewhere with the person claiming to be an investigator but still nothing happened and no resolution. I informed her I was waiting to receive a response from Santander regarding my request for original loan documents. I never heard from her again, nor did I receive original loan documents. Right now, I want to know if the original loan process was handled properly? If not, does Santander have the right to repo the vehicle or even worse, request further payments from me?
Also, on XXXX I spoke with a Santander representative. She offered me to pay a settlement of XXXX and I keep the car. I informed the representative, I have paid over XXXX to Santander for this vehicle and wanted to settle for less than the XXXX due to the condition of the vehicle and the current retail value of the vehicle, which is XXXX, currently. However, after discussing the issue with my wife, we both agreed XXXX was a bit much to settle on a vehicle that is n't drivable, plus has a mechanical repair invoice of XXXX and a retail value of XXXX ( in drivable condition ), that I. At this point, I would like to offer XXXX in exchange for the title and settlement of this debt. If Santander agrees to the settlement, I want to make sure the title shows XXXX XXXX as owner and not Santander, as I have read other complaints concerning Santander and auto titles. Several consumers have complained Santander never sent title after settlement or title was incorrectly written. I have attached a letter that I sent to Santander on XXXX via fax to fax number XXXX. I did not receive a response regarding the matter. After no response and 2 weeks past, my wife sent a certified letter to Santander Consumer USA. She mailed the letter certified to : XXXX, Tx, XXXX and she also sent the same letter certified to the CEO of Santander, XXXX at XXXX XXXX XXXX, XXXX, Texas XXXX. I still have not heard a response as it relates to the settlement offer. My desire is to put an end to this ordeal and move on. I am currently ill due to a XXXX. I must keep my XXXX. Again, I simply want to settle this debt to avoid harassing calls. Will you please assist me with getting a response from Santander regarding the settlement offer I 've offered of {$1000.00}? My desire is not to have the car repossessed. I have given a fair amount of money ( XXXX ) to Santander over a period of 6 years toward the purchase of the vehicle. Your help is greatly be appreciated.
XXXX XXXX loan number is XXXX
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
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.
|
| 09/24/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
To : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX : XXXX XXXX XXXX XXXX Santander Consumer USA XXXX FILE # XXXX $ XXXX XXXX XXXX ; You, XXXX XXXX , and Santander Consumer USA are hereby notified under provisions of Public Law95-109, Section 805-C, the Federal Fair Debt Collection Practices Act, to hereby CEASE AND DESIST inany and all attempts to collect the above alleged debt, to which I am disputing that it is not a valid debt.
Your failure to do so Will result in charges being filed against you with the State and Federal Regulatoryagencies empowered with enforcement.
Please be further warned that if Any derogatory information is placed on my credit reports after receiptof this notice, it too, will result in action being taken against you. I have enclosed a copy of a previouscorrespondence to Santander USA regarding the above alleged debt, dated XXXX XXXX, XXXX.
PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
To : XXXX XXXX XXXX XXXX XXXX, XXXX account : XXXX XXXX # XXXX am receipt of a collection letter from your company, stating that you are attempting to collect a debtfor XXXX. I am responding to your letter and am notifying you that I am disputing thevalidity of this debt of {$13000.00}.
First and foremost, XXXX XXXX charged off my auto account when I fried Ch.XXXX Bankruptcy XXXX. My auto account was current prior to me filing XXXX, and after XXXXcharged off myaccount as bad debt, they sold the account to Santander USA XXXX.
Santander USA could not contact me because I was under CH. XXXX Bankruptcy protection, and I wasn'taware that my auto account had been sold until my Ch. XXXX case got dismissed on XXXX/XXXX/XXXX. Nowbefore my case got dismissed, I paid a total of {$1800.00} to the Ch. XXXX XXXX XXXX XXXX.
After my case was dismissed, Santander Consumer USA contacted my Attorney, XXXX XXXX XXXX XXXX, stating that they are now the owners of the account and requested that Ipay the full balance of the auto finance account of {$25000.00} or they are going to repossess the car. XXXX .
XXXX asked Santander Consumer USA would they accept four ( 4 ) months of payments that I paidinto the Ch. XXXX Trustee account, and allow me to resume making my monthly payments of {$550.00} permonth. They told him no, they want the {$25.00}, XXXX or the car. I attempted to negotiate with them myself, but to no avail, my attempts were unsuccessful.
So prior to delivering the car to my attorney 's office for repossession, I had to scramble and find a cheapvehicle to get around in because that was the only car me and my family had. {$0.00} after finding a cheapvehicle, I delivered the vehicle to my attorney 's office for repossession. Santander Consumer USArepossessed the vehicle, a XXXX XXXX XXXX with XXXX miles.
Now here is the ironic part of the entire situation. XXXXdischarged my account as bad debt while underCH. XXXX, and sold the account to XXXX XXXX XXXX. XXXX repossessed the vehicle after mycase got dismissed on XXXX/XXXX/XXXX, and out of the {$1800.00} I paid into the CH. XXXX Trustee account, XXXX XXXX XXXX was disbursed {$1200.00}, not Santander Consumer USA.
I have spoken to Santander Consumer regarding this account, which they are the owners and not XXXX.
They billed me for {$8000.00}, the difference of what the vehicle was auctioned off for. I did respectfully ask Santander Consumer USA to provide me in writing what the was auctioned off for. While speaking with them, I also was offered to settle the account for {$2000.00}. I responded by asking could you provide that offer in writing. Till this day, I have n't received written proof that the vehicle was a
|
| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had leased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. The car never made it home and stopped on my way home, requiring me to charge the car before I can get home, after having asked numerous times if the car was charged and had enough for me to take it off the lot and make it home ( which was about 10 miles away ). The car was back in the shop for a few reasons a couple of days later and stayed there for a month. When going to pick up the car, the issues were not fixed and they had to keep the car even longer. The issues were on going for the 3 years of the lease. The staff was never helpful and/or courteous. Excited to have the lease completed and return the car along with all the issues and stress it has cause my family and I. We had the inspection completed on XX/XX/XXXX and the car returned on XX/XX/XXXX.
Prior to returning the car, I called Chryster to ask what steps needed to be taken to end the lease and return the car. She said : A. schedule an inspection of the car.
B. Return the car and C. Get the release of liability I asked her if I owed anything or needed to pay anything. I was told no, that I was up to date with the payments and no additional payments needed to be made.
The inspection was completed on XX/XX/XXXX. Called and made an appoint to return the car. When I arrived at the dealership, they didn't even have my appointment, the manager did not want to speak to me or address the matter in any way. Directed the staff to check the car, take the keys, and give the release of liability. Very rude and disrespectful. I asked if I needed to pay for anything or if anything else needed to be done, I was told 'no ', that this was it and I was done.
Seven months later, XX/XX/XXXX, I receive a phone call from Chrysler/XXXX, threatening me to take me to collections because I owe them {$500.00}. Shocked as I have not received a bill, an email, a letter, or a phone call. All of a sudden, I owe them money and they are taking me to collections.
Asked to speak to a manager and have this escalated, I was told that I would have an executive manager call regarding our concern. I did receive a voicemail later, from someone saying that they are XXXX from Chrysler executive. When I returned the call, they refused to transfer the call to XXXX ( no last name ) and when asked to have them call us back after XXXX, if possible. The response we got back was no, he is too busy to call back. They are too " busy '' to take care of a concern/compliant. However, my wife and I have been taking time off our work to answer the phone calls and address this matter on our end.
They have no organization. I have yet to see a bill even after being asked to send us the bill they claimed we owe, we have not received anything in writing. They couldn't even validate my address they had on file, they had my mother-in-law 's address for some reason, they could not explain how and why they had that address. No mail was ever sent their either. They did not even have our address that we had at the time on file ( it has since changed and we provided them with the updated address ) along with both mine and my wife 's phone numbers to call either one of us if the other one does not answer. We have done everything we can on our end to solve this matter and have our concerns address, yet no one seems to care to call or send us the information asked. Other than threatening to send us to collections or they might have already, but yet too busy to address a customer complaint. Nothing less than what we have been dealing with since the beginning of this lease.
Please help us resolve this matter.
|
| 12/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Santander Consumer USA I have received a response from in regards to settlement for regards to my vehicle loan. Pursuant to the contractual retail installment agreement this company has already received the amount financed on my behalf {$16000.00} and this is false and misleading deceptive behavior stating I have defaulted which this company has repossessed on a security interest I have held in as the consumer and are able to enforce, 15 USC 1692e ( 4 ) is violated by enforcing nonpayment in garnishment by repossessing what was in my possession ; also working with tow truck company and exposing my personal information to the third party agency without my written consent to locate the consumer place of dwelling 15 USC 1692b. I was also denied the location to bid and buy back the vehicle which was stated that the company privacy policy could not allow me to but still enforced the same privacy rights onto the consumer who was willing to be given a fair resolution without litigation. Upon doing this Santander Consumer stated that according to Truth in Lending Act 15 USC 1635 Right of rescission was not given to me, but I was never given the right to rescind nor was I informed that I DO NOT have the right to rescind being at the time of incompetence during the transaction. This company has failed to disclose that the finance charge is the sum of all charges and the down payment is included in the finance charge ; 15 USC 1605. There is no cash comparable in a consumer credit transaction. 12 CFR 1026.4 also states The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. This is a direct violation of contract which makes it void and null where no further payments are to be made on a voided contract. I have put down {$1700.00} according to 15 USC 1662 ( 1 ) advertisement of down payment and installment that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor USUALLY and customarily arranges credit payments or installments for that period and in that amount. This company has continue to enforce a billing error on the consumer 12 CFR 1026.13 ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). I am the consumer who am the only blood and flesh living being can validate a debt this is not an OBLIGATION of the consumer to continue to pay and and I am requesting on the disputed account that all payments are returned to the consumer. This company has refused to let me discharge the transaction and revoking their power of attorney I have sent multiple complaints and request to Santander Legal Team Fax that was provided in XXXX, while also speaking in an office executive XXXX where she received all my documentation via email and stated they have not found any fraud that is mentioned in this memo ; they also continue to furnish inaccurate billing errors on my consumer report where none of no discharge documentation or Debt validation has not BEEN provided but still continue to furnish this AS IF it is validated by the consumer. This is still under investigation and shall be removed from reporting on my consumer report.
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I found out that a charge off was placed on my credit report by Santander Consumer USA for a XXXX XXXX XXXX. In XX/XX/XXXX, the car was reported as a total loss and my insurance company did there part with paying off the car. I have letters and statements stating that the car was paid off from my insurance companies. I contact Santander to see what the situation was and why this happen they stated they sent in a charge off on my account for the balance of {$260.00}. I asked why no one contact me by phone, email, or mail. They stated they had no current contact information on me. I had the lady to tell me what contact information she had on me and she told me and all the contact information they had on me was correct and current. I then asked to speak to a supervisor about the situation and then I ask to speak to someone over them. I ended up talking to the office of presidents for the company and I was told that they would handle the situation. He stated from my records I was a great customer and I was never late on my payments and he apologized for the situation and that he would give me a call back on Monday XX/XX/XXXX with some results. Once Monday arrived I didnt receive a phone call so I ended up calling the company back on Tuesday XX/XX/XXXX. I talk to another person from the office or presidents and he apologized for someone not getting in touch with me the previous day. He stated that they decided to get rid of the balance of {$260.00} and make it {$0.00}. He stated that it would show on my credit report as a balance of {$0.00} and paid in full instead of the balance of {$260.00} and as a charge off. He then apologized again and told me to have a nice day. So I checked my report later on that day and discovered that the account was closed but it still stated a balance of {$260.00} and was still a charge off. The next day XX/XX/XXXX I contacted the company again to see why nothing change and what was going on. I talked with another person from their office where they apologized about the information I received the previous day and that I was wrongly informed. And that it was nothing that they could do about the charge off that was put on my credit report even through there was at fault for this situation. They stated that I would be stuck with this charge off and that the balance was waived due to the mistake on there behave and they needed to send all there paperwork to the credit bureau at the end of the month and I would have to wait for the credit bureau to update my credit report about the account but I would still be stuck with a charge off on my account even though it was paid in full but due to them it was put in as a charge off. They lady also told me that there was no point in me trying to fix this situation because I would be denied any help with getting this removed from my credit report. I dont understand why she would tell me that but I felt like that was unprofessional, rude, and discouraging due to the fact that I really need this off of my credit so I can move forward with my life. I am trying to get some understanding because this situation has a negative impact on my credit report and score. I was in the moment of buying a car and couldnt because of false information placed on my credit report. Which brought my credit score down so much. I am asking for this to be fixed because it has now a negative impact on my life and my well being. I am a XXXX XXXX XXXX XXXX and XXXX employee. This has effected me being able to move or buying me a car to be able to get back and forth. Please help me with this situation. Thank You.
|
| 05/07/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am writing concerning Santander Consumer USA. The comp any 's business practices against me leave me feeling lied to and violated. Santanders ' predatory lending is a clear example of discrimination. When I initially went to the dealer to purchase the car, I needed a vehicle very badly. M y credit score was affe cted because of fraudulent activity, and I showed the dealer letters from court, showing court dates, or sentencing dates for persons who had admitted to use of my identify. I never knew the people, and the court was based in South Dakota. I wanted to prove to the dealer my identify, and better my interest rate. Santander stepp ed in and approved a high interest rate, that I was not in a position to challenge. When I got the vehicle, I paid my monthly car notes religiously, and also paid several extra payments that I had them apply directly to principal. I paid over {$3000.00}, in such principle only payments. In phone conversation with a Santander representative, I asked them, that if I ever came upon a time that I could not pay my monthly payment, could I call them to reverse some of these principle payments, and have that money re-applied towards my monthly interest accruing payments. The woman that I spoke to advised me clearly, that it was the company 's standard practice, that if a vehicle was going out for repo that they would reverse any extra payment made to principle, and apply them to the monthly payments to stop repossession, without contacting me. I do not remember the date of the call, but if you demand all of our conversations for review, you will find this false statement made to me by their representative. It is a violation of FDCPA for them to make my hone ring several times in a day, or to make contact with me more than once in a single day. However, they frequently made my line ring multiple times per hour while i was at work, and could not take a call. They are sure to have recorded this, so I do n't see how they can not understand that their representatives where breaking the law. On two occasions, I had to take two calls f rom them the same day, with me telling them the second time that I had just taken a call from their office within the previous hour, and I knew I had fallen, behind and that nothing had change from our last conversation, that same day. The company repossessed my car, and failed to live up to it 's claim that they would reverse and re-apply my extra money spent to principal, towards my monthly payments, which would have easily stopped repossession. When the man arrived to repo, I had no idea that then car was out for repo, as I never got a call, not a letter, that they should have given me. Seeing that they had previously violated FDCPA, contacting me twice in the same day, I am sure that they had my phone number, as well as address, because they picked the care up at the address they had on file for me. Lastly, when the repo guy showed u, and had hooked my car, I advised him that I had an attorney who would be representing me in a bankruptcy. He shrugged his shoulders and told me his job was to get the car. I asked him to get Santander on the phone and he could not, or would not. This entire ordeal with Santander i s killing me an driving me crazy, because they operated incompetently and unfair. Now, that they have insulted me, lied to me, and harassed me they are posting a repossession on my credit ( that they wrongfully repossessed ), and then charging me an incorrect balance, because they sold my car, that they never should hav e repo 'd, and are c harging me to pay their repo man. XXXX
|
| 07/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I consigned on a car loan for a family member on XX/XX/XXXX with Santander Bank. The original loan balance was {$16000.00} and the repayment terms were 72 payments of {$360.00} for a total of {$26000.00} in payments. Unfortunately, a few months later around XX/XX/XXXX, my cosignee had become unemployed and started having difficulty making the payments on the loan. As of XX/XX/XXXX, I started making the payments directly and the loan payments have not been delinquent since. As of XX/XX/XXXX, {$26000.00} in payments have been made on the loan, an amount in excess of the amount of payments originally required when the loan was first secured. On XX/XX/XXXX, I checked the status of the account assuming there would be a small balance remaining on since the payment total exceeded the original obligation. The only amount I was expecting to be outstanding were the late fees from the period of time when my cosignee was unemployed and unable to make the payments. To my surprise, I found that there was still a balance of {$2900.00} remaining. I immediately called Santander to speak to a CSR and was informed that during the period when my cosignee had made some of the payments late, additional interest was accruing on the loan and once the payments were being made, the entire payment amount was being applied to the Interest balance instead of being split between Interest and Principal. Since the Interest rate was so high ( 17 % ), interest was accruing at a much higher rate than normal. As it was explained to me, the late payments caused more interest to accrue and Santander had a right to apply the payments in any way they saw fit. I have had several car loans with other banks and while none of them have had any payment issues, none of them had the payments applied in such an arbitrary and unscrupulous manner. On every other loan I have, the payments are applied to the interest and principal balance based on an amortization schedule determined by the original payment terms of the loan. If the payment is late, there is a late fee charged. When the payment is made, a portion is applied to the interest balance and a portion is applied to the principal balance. If there is an interest balance remaining, that is due at the end of the loan, when the principal balance is satisfied. Santander 's practice of applying the entire payment to the interest balance, and not applying any of the payment to principal balance reduction is extremely deceptive, predatory and in my opinion usury. Particularly in this case when the interest rate is at an astronomical 17 %! It has created a situation where if a payment is ever made late, an almost never-ending cycle begins where payments are constantly only being applied to interest and as a result, the principal balance never decreases. This allows a high interest balance to accumulate again, to which the next payment is fully applied, and the evil cycle continues. This is a highly deceitful practice and Santander should not be allowed to do this. They have already taken advantage of us by charging a high interest rate in the first place, despite having a car as collateral and a co-signer with great credit. A bank should not be allowed to apply the payments in whatever fashion they want, especially when it ultimately ends up costing the consumer thousands more. I understand that the bank is entitled to the interest that accrues when the payment is made late. They should not however be allowed to apply the payment solely at their discretion and to the detriment of the consumer, especially when the interest rate is so high.
|
| 07/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Santander Consumer USA is no stranger to violating State and Federal Laws and regulations.
I have a contract with Santander Consumer USA concerning a XXXX XXXX XXXX dated XXXX XXXX XXXX, My credit score at the time was XXXX with XXXX but the paper I was presented states my credit score was XXXX with XXXX.
Other than that my main complaint is about Santander Consumer USA is in Violation of the XXXX Usury Laws, XXXX, and violation of the usury statute and the Unfair and Deceptive Trade Practices Act ( " UDTPA '' ) XXXX XXXX alleges that the interest rates charged to consumers on the loans at issue are in violation of the XXXX usury law. XXXX law provides that the maximum interest rate that can be charged to XXXX consumers on a loan of {$25000.00} or less is 16 % per annum. XXXX XXXX. XXXX XXXX also alleges that the interest rates charged by Santander violate the XXXX XXXX XXXX. XXXX et seq., and the UDTPA, XXXX. XXXX et seq. XXXX XXXX contends that any loans in violation of the XXXX XXXX XXXX are void under XXXX. XXXX XXXX d ).
pursuant to XXXX. XXXX and XXXX, to obtain a refund of money paid to Santander plus civil penalties and injunctive relief to prevent further violations of the UDTPA. Also under XXXX Usury Law violations Consumer is entitled to Treble Damages.
loans made by Santander to XXXX residents have resulted in XXXX consumers being subjected to oppressive repayment requirements, harassing collection tactics, and reports of non-payment to credit agencies. Multiple XXXX consumers have complained of the same or similar violations by Santander.
In addition, XXXX usury statute, which XXXX XXXX claims seek to enforce, specifically provides that [ f ] or purposes of this Chapter, any extension of credit shall be deemed to have been made in this State, and therefore subject to the provisions of this Chapter if the lender offers or agrees in this State to lend to a borrower who is a resident of this State, or if such borrower accepts or makes the offer in this State to borrow, regardless of the situs of the contract as specified therein. '' XXXX. XXXX XXXX ( a ) ( emphasis added ).
The XXXX Supreme Court has held that a contract " made in a foreign State or country with the intent and purpose to evade the usury laws of this State '' is invalid and " the interest laws of XXXX are applicable. '' XXXX, XXXX XXXX at XXXX ( citations omitted ). XXXX XXXX clearly alleges that Santander Consumer USA are attempting to evade XXXX consumer protection and usury laws.
Finally, the Court 's have noted that XXXX will not enforce a choice of law provision in a contract where the chosen law would " violate a fundamental policy of [ XXXX ] of otherwise applicable law. '' XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ). The XXXX usury statute makes clear that " [ i ] t is the XXXX XXXX policy of XXXX to protect XXXX resident borrowers through the application of XXXX interest laws. '' XXXX XXXX ( g ).
Please see examples of Santander Consumer USA violations and settlements listed below.
Hundreds of XXXX Drivers to Receive {$5.00} XXXX in Relief on High-Interest Auto Loans Santander to Pay Refunds, Forgive Interest on Subprime Auto Loans Made to Consumers XXXX - A national auto lender has agreed to provide {$5.00} XXXX in relief to more than XXXX XXXX consumers over allegations that it charged excessive interest rates on its subprime auto loans, XXXX XXXX XXXX announced today.
The consumers helped by the settlement are located across the state, with concentrations in XXXX, XXXX, XXXX, XXXX, provider {$11000.00} to each consumer
|
| 12/31/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The purpose of this letter is to document my effort to negotiate with your company prior to suing you in small claims court for wrongful repossession of my automobile on XX/XX/2018. I request immediate refund of {$790.00} in lost wages and expenses directly resulting from your mistake. Should I not receive a definitive response from Santander within thirty days awarding me this amount in full, I will file the attached petition with my local clerk of courts and commence small claims litigation against Santander. Please understand that I do not haveand have never hadany contractual relationship of any kind with your company. I am therefore not bound to any pre-litigation mediation or arbitration, nor to any litigation venue outside that in which the wrongful repossession took place.
To summarize, Santander ordered the unannounced repossession of my vehicle even though ( 1 ) the car had clear, unencumbered title, and ( 2 ) Santander has no lienholder relationship regarding this vehicle with either me or the individual from whom I purchased the vehicle. Santander has admitted fault in wrongfully repossessing my vehicle without notice in the attached letter to my legal counsel dated XX/XX/2018. In this letter, you claim that Santander issued a Multi State Vehicle ( MSV ) Release on XX/XX/2018which is somehow the same day you had my vehicle wrongfully repossessed. Give the difficulty I have experienced in the past several weeks in getting my vehicle back, this claim is nonsensical and likely untrue.
This probable lack of veracity in your explanation is illustrated by the fact that Santander utterly refused to speak with me multiple times well after the repossession ( and after the MSV Release was allegedly sent out ) because my name wasnt on the account. The company who repossessed the vehicle also refused to speak with me for the very same reason. This is in spite of the fact that I approached them with a copy of the vehicles title, which lists me as the owner. Am I truly to believe that Santander realized its mistake internally on the day of repossession and immediately sent out the MSV Release to correct its mistake, even though neither Santander nor the repossessing company would even speak with me for over three weeks afterwards? It took weeks of personal costs, lost wages, and a hired and paid-for attorney for Santander to even respond to someone about my situation. I hope you will agree with me that the most likely explanation for this is that Santander never issue the MSV Release until my legal counsel contacted you long after the repossession occurred.
I am a refugee from XXXX who fled communism two years ago so that my family and I could build a better life in the United States. My husband and I both work full-time and receive no public assistance of any kind, in spite of the fact that we arrived to America with just the clothes on our backs and with no knowledge of English. We have made our life here dollar by dollar. I suspect that this matters little to you, but as someone still trying to understand a society and language different from that to which I am accustomed, this experience has been nothing short of traumatic. Your companys error has made my familys life a living nightmare for the last several weeks. I am not asking for any more than the direct expenses that I incurred because of your companys error, refusal to speak to me for three weeks, and subsequent failure to correct your mistake.
I respectfully ask that you resolve this matter by refunding me my costs so that I do not have to sue Santander in court.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2018 I had an appointment @ XXXX to meet with XXXX XXXX an Internet sales specialist. I leased a 2018 XXXX XXXX with a sticker price of {$42000.00}. I had a trade in that I was told they were giving me {$12000.00} for which left me with {$5500.00} equity plus they were giving me a {$4000.00} incentive from XXXX which I was taxed on.The salesman confirmed to me we were deducting the total of the trade and the incentives which comes to {$9500.00} from the sticker price of {$42000.00}. After verbally discussing a payment of {$500.00} a month for 48 months. ( Just to remind you I had a XXXX appointment and it is now around XXXX pm and they are closing at XXXX ) when I am called into the finance office to meet with XXXX XXXX their finance manager. That is when I was told that I was given the wrong information by XXXX XXXX I was told XXXX XXXX told me it was going to be a 48 month lease was actually going to be a 39 month old and that it was going to be more money but he assured me I was saving money overall. Being naive and feeling a little rushed and smooth talked I was presented with Gap insurance and was told I had to pick one of several options ( I was never told it was optional. ) after signing all the documents it was time to go to the cashier and make a payment of {$2400.00} which I believed was for taxes and title. It wasn't until I got home an actually had more time to over the contract.is when i noticed out of the {$2400.00} {$1300.00} was additional cash down payment which we never discussed and I was told earlier by the salesman, ( with the trade and the incentive of course there was nothing out of pocket. ) It seems like XXXX took upon himself to go into my pockets and help himself to more money. Further more instead of deducting my {$9500.00} from the sticker price, They added that amount to the sticker price and have an " agreed upon '' price of {$52000.00} plus all the after market add ons which brought the total to {$54000.00}. None of this was ever discussed with me and every time XXXX referred to the the price he referred to the sticker price.
I was back in there @ XXXX the next morning thinking it was a mistake and easily fixable I seen XXXX and he looked me dead in the eye and gave me an explanation that I was reading it wrong and that everything was right. I was finally put in touch with a XXXX XXXX. He runs the entire place his father is the owner. XXXX was suppose to look over my contract and he was going to call me in a few days. Needless to say after 10 days still no call from XXXX XXXX. I finally went in to the dealership and talked to him and his excuse was that it was the end of the month and it was hard for him to find time to call me.We finally get around to him taking a total of {$4200.00} off of my contract for all the after market add ons. But right before he was going to take it off he needed me to sign a waiver stating that both parties were satisfied.I would not do that and that is when I had a chance for him to explain to me how i was charged over $ XXXX over the sticker price with a trade in of XXXX plus {$4000.00} incentive? He tried to give me a legitimate reason that it was taxes and a bunch of other things. That's when I told him NO that doesn't make any sense. It was then that he told me he doesn't know how to read the contracts. My feeling is that cant be the truth. He runs the entire operation and doesn't know how to read the contracts. ( I cant accept that as an answer ) I am in belief that these contracts are fraudulant and are not compliant with federal leasing laws.
|
| 12/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/2018 I went to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. I was totally upfront and honest. I told them I had just been dismissed from a Bankruptcy and I was looking to trade my existing car ( XXXX XXXX XXXX ) for something less expensive. I wanted to trade the explorer to have it paid off and have a lower car payment. They agreed to take the explorer as a trade. They sold me a XXXX XXXX XXXX. I had been at the dealership for hours and by the time we signed the paperwork it was after hours and the dealership was technically closed. I didnt see my car on the paperwork as a trade but I was tired and frustrated and signed the papers anyway. I left my XXXX XXXX with the dealership with both sets of keys. About a week later XXXX XXXX XXXX called me and inquired about the payment, I then told XXXX that XXXX XXXX XXXX XXXX XXXX took it as a trade and to contact them. XXXX called me back later that day and stated that XXXX XXXX XXXX XXXX XXXX XXXX did not take it as a trade and that I needed to make a payment. I told XXXX I was going to XXXX XXXX XXXX XXXX XXXX XXXX and talk to them. I went to the dealership to inquire about my XXXX XXXX, the manager told me he didn't take it as a trade, I asked where was my vehicle and he said he didn't know. I called the dealership several times during the day asking different people and no one knew where my XXXX was. I went back up there to talk with the manager of the dealership and he walked around the entire dealership inside and out looking for my explorer knowing full well he had it towed away. I recorded the entire visit. I talked to XXXX XXXX XXXX and relayed this information to them. They suggested that I file a police report. The next day I went back to XXXX XXXX XXXX XXXX XXXX XXXX and waited for a police officer to arrive so that I could file a police report. Once the police arrived the same manager that told me he didn't know where my XXXX was came forward to say the XXXX was towed away a week prior. I said if you weren't taking it as a trade why would you allow me to leave it there, accept my keys and then have it towed away?? Why wouldn't you just tell me you didn't accept it as a trade. I had to go to XXXX XXXX to an old lot to get my XXXX back. The owner initially said it would be {$750.00} for towing and storage. After I told him the situation he said he didn't want to be a part of that situation since it sounded like the dealership wasn't honest so he only charged me {$250.00}. After getting my XXXX back I called Chrysler and explained to them everything that happened. They escalated my complaint and said they would have someone review it. However, it was to no avail. They said I would still have to pay for the XXXX I was sold. I then told Chrysler that I could not afford to pay for a new XXXX in addition to my XXXX plus full coverage for both vehicles so I would have to voluntarily surrender it. They sent someone to pick it up. They told me it would be sold at auction and I would responsible for the balance. Later I received a letter that the vehicle was sold and I was responsible for the balance, I tried to pay what I could but it wasn't enough and the account was closed/written off and sold. I have received a letter from current creditor XXXX XXXX XXXX XXXX stating that the original creditor was Santander ( I have no knowledge of Santander ) and the account name is Chrysler Capital saying that I owe them {$7900.00}. I can not pay this, it has already put a huge dent in my credit and I do not have the money to pay this debt. Can you help me???
|
| 03/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/2011 we got a car from XXXX of XXXX and went under the impression we were getting a car for our personal, household, and family use under credit via a consumer credit transaction. However after reading consumer laws that is not the case. We are calling out the fraud that Santander Consumer USA and XXXX of XXXX committed when we went in for a consumer credit transaction. we were not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys books. I XXXX XXXX XXXX and XXXX XXXX are the natural person ( s ), living man/woman and original creditors was not given full disclosure on the consumer credit transaction. SANTANDER CONSUMER USA is not the original creditor and that is false and misleading per the FDCPA. SANTANDER CONSUMER USA did not disclose their initial relationship with the dealership that would bring a natural person into commerce. SANTANDER CONSUMER USA did not disclose that upon the consumers providing their social security numbers ( credit card ) per the Truth in Lending Act and subject to 18USC 8, by the cardholder ( XXXX XXXX ; XXXX XXXX XXXX that the consumers who are the ORIGINAL CREDITORS in the consumer credit transaction, credit would be used by the dealership and the financial institution to obtain a Loan from the federal reserve bank per ( 12 USC 1431 ) in the consumers name which is identity theft, and returned as a promissory note. Nothing of value was provided in consideration by SANTANDER CONSUMER USA. Also per the Truth in Lending Act the consumer was only to pay the finance charge in a consumer credit transaction. However much more was paid. I am requesting validation of debt per 15 USC 1692g. In addition SANTANDER CONSUMER USA is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Lastly, There are other questions below that I would like answered point for point on a sworn affidavit. The first question is based on Federal Reserve Banking publications, by whom was the " loan '' funded I.e, who put an up ( asset ) to fund the loan and where did the funds ( I.e, cash, money, check ) come from? Second, provide full bookkeeping entries for account. And based on banking principles when the " note '' was signed and deposited to " create the funds '' an asset and liability was created to " balance the books, does that constitute as an exchange and settlement for the goods received, I.e, XXXX XXXX vehicle? Please also note That the giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
Also we are exercising our consumer rights to rescind the transaction per the Truth in Lending Act and want all funds returned to the original creditor ( I.e the consumers ; account holder )
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened an auto loan account with Santander Consumer USA in XX/XX/XXXX for a term of 60 months which was due to mature in XX/XX/XXXX. During the term of my loan I routinely made payments in excess of the {$180.00} payment amount. The excess monies paid on my loan were never applied to the principal balance as requested but were deducted from the following months payment enabling Santander to continue to accrue daily interest on the loan amount. This continued for the duration of the loan, based on this pattern of behavior I did not make payments for the months of XXXX and XX/XX/XXXX as I was eight months ahead on my scheduled payments. I paid the remaining loan balance of {$440.00} in XX/XX/XXXX and paid off the vehicle in full. I now have the title to the vehicle in hand.
Santander reported to the credit reporting agencies that I was 90 days past due on my loan payments destroying my credit score and causing me irreparable harm. I had one creditor close my credit card account completely and another reduce my credit limit from {$900.00} to {$100.00}.
I contacted Santander repeatedly to no avail and in fact more than one supervisor with Santander confirmed that they in fact DO NOT apply any extra payments to principal balances but routinely deduct from the following months payment. Yet defended that they were correct to report me with late payments. This practice has allowed Santander to fraudulently continue to collect interest from it 's customers who have paid ahead on their accounts. I disputed the incorrect reporting with the credit reporting agencies and the company continued it 's stance with the credit reporting agencies that I was late on my payments despite the fact that I paid off my loan 8 months prior to the maturity date.
Santander CAN NOT have it both ways. Either they apply any extra money in car payments to the principal OR they apply it towards the next months payment. In my case they have not only charged me additional interest by NOT applying my additional payments to the principal but have ALSO ruined my creditworthiness by reporting my payments were late when the loan was paid off early. Santander is known for it 's high risk loan practices to people with low or no credit history. I further submit that by reporting erroneously to the credit agencies Santander deliberately affects the creditworthiness of consumers negatively thereby creating repeat business for themselves which is reprehensible and highly unethical. I initially trusted Santander to be a reputable company but now I question everything about my loan with them and I wonder if daily interest is even legally allowable for car loans. My frustrations were heightened by trying to speak to people who had little to no knowledge or understanding of finance and had a very difficult time speaking the English language. Contacting the corporate office was impossible as well they just continued to direct me back to customer service who could not help me. I was told a month ago that they had " escalated '' my issue and that someone would call me back, to date I have not received any contact from anyone.
I recently XXXX my only daughter and I have been financially struggling while trying to cover XXXX expenses and to buy her a XXXX due to a delay in the life insurance payout. The reduction and closing of my various credit accounts ( that were in perfect standing ) has caused me an extreme amount of undue stress and suffering on top of my deep XXXX from this XXXX and it is inexcusable. Please help they have ruinied me!
|
| 07/18/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
|
| 11/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
In XX/XX/XXXX I inquired about purchasing a vehicle from XXXX in XXXX, TX. I was on a desperate situation in need of a way of transportation, and now knowing the consequences of my request, I ended up accepting a loan negotiated by XXXX with Santander Consumer USA, for a 3 year-old vehicle with a tag price of {$12000.00}.
According to the loan contract, the amount financed was {$16000.00}, with a finance charge of {$12000.00}, almost the same value of the vehicle on a loan term of 72 months ( 6 years ) at a rate that surpasses the maximum lawful interest rate for usury laws ( 20.61 % vs. maximum lawful of 18 % in Texas ) for bad credit scores.
When purchasing the vehicle I was just desperate and the seller was aware of it, so I feel I was abused in the midst of my desperation. I just trusted XXXX I would be able to afford the payments, hoping for things to change and get better in the future.
I am a small business owner, so I am self-employed, and my income varies from season to season. At time of purchasing the vehicle, my payments were set to be paid on the XXXX of each month, but back then I was living at a relative 's house, so I did not have to pay rent. Given this circumstances, I decided to move my payment due date to the XXXX of the month, so this was the first bill I could take care of.
A year later, my relatives moved back to the house I was living in, so I had to find a place to live. Now my rent became due on the XXXX and this date was no longer convenient considering my income flow. I requested Santander at that time to switch my payment back to the XXXX, but they said they only change the due date once during the life of the loan. This started to become the main issue, as I started to be late on my payments, causing me fees and higher interest, and obviously, extra income for the bank.
During a season of very slow business, I got into a situation where I could not make my payments for 2 months, so my vehicle got repossessed in XX/XX/XXXX, and I was able to get it out of repossession the same day the vehicle was towed by Santander. Back then, the very first time I had to face something horrible like that, I was told by the agent assisting that they would lower my repossession fees and not charge me for the storage fee. Recently, I have been told by another agent, after paying again for my second repossession {$2000.00} to release the vehicle, that those charges are indeed part of my balance and still due. My vehicle has just been released of this second repossession that happened after an incident that caused a cosmetic repair which I am still paying for, because my insurance would not cover it, causing me to be again delayed on payments, while realizing the terrible lockup in which I found myself.
Up until this day, almost 4 years after making this terrible and uninformed decision, I still owe Santander over $ 13K on a vehicle which value is a third of the amount owed. It is beyond proportion the amounts of money I am liable for, considering the much over cost this decision has caused me.
I just need for you to provide some guidance and assess the situation : I accept my responsibility in having agreed to such a bad deal, but I just want to be released from a loan that I evidently can not afford, and one that is causing my credit to get even worse that before I purchased the vehicle. I was willing to voluntarily surrender the vehicle, but I am told that after that, I am still liable for the outrageous 20.61 % finance and charges.
Please help me out of this!
|
| 03/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I financed a XXXX XXXX XXXX from XXXX through XXXXr XXXX XXXX in XXXX of XXXX with {$3600.00} down and a rate of 26 %. A salesman named XXXX XXXX from XXXX informed me that nothing was wrong with the vehicle when I test drove it. He was not honest with me as months later I later discovered that the vehicle instrument cluster was defective.
The vehicle was transferred down to Miami and a salesman named XXXX XXXX collected my down payment and again assured me that the vehicle had no problems or issues. The XXXX report he provided me did not show the instrument cluster repair. I decided to purchase the car.
In XXXX of XXXX, I was a victim of financial fraud of {$1000.00} by a lady named XXXX XXXX from PA XXXX case XXXX, XXXX PA XXXX and couldn't afford to make payment then. I informed Santander of this. I made XXXX more payment in late XXXX and in XXXX, Santander gave me a XXXX month extension due to financial hardship and a loss of a family member. In XXXX, I also cancelled the XXXX warranty of {$2800.00} and was refunded this amount by XXXX back to Santander. Since then, I have not made any payments because I discovered that the vehicle instrument cluster was replaced 5 years ago. I complained about this to both XXXX and Santander and neither business tried to resolve the issue. I was also struggling to get permanent employment and I was concerned about the high interest rate of 26 %. I asked for Santander to lower the rate and my request was denied. Without an explanation of the 26 % rate, Santander has forced me to accept that the rate is reasonable for my credit and income level.
In addition : - Santander never justified the reason for my 26 % rate, the highest in the country - Santander never applied ANY portion of any of my payments ( {$4500.00} total ) towards interest or principal.
- Santander varied the final payout balance numerous times from {$17000.00} to {$19000.00} to {$16000.00} to {$18000.00} in only a 7 month period.
- Santander never showed on my account page how much interest is being accrued daily, weekly, or monthly and how much has been paid.
- Neither Santander nor XXXX offered to replace my car with its defective instrument cluster for a different vehicle.
- Numerous complaints filed against XXXX by me regarding the defective instrument cluster were ignored by the BBB.
- I posted a complaint on XXXX against XXXX regarding the replaced instrument cluster and the complaint was removed by XXXX in XXXX.
Santander promised me that they'll give me until Friday, XX/XX/XXXX to make a payment and they will not repo the vehicle. I told them that I will make payment that day because that's when I'll receive my first paycheck from my new job. Santander agreed and gave me the extension.
On Saturday, XX/XX/XXXX, my vehicle was picked up from a parking lot while I was siting inside a XXXX. Santander completely disregarded our prior agreement and repossessed the vehicle, leaving me stranded in XXXX, Fl, more than XXXX miles from my home without a way for me to get back to work. After calling the police on XX/XX/XXXX who notified me that the vehicle was indeed a repo, I was stuck at the XXXX after hours sitting at a table outside with my wallet and other personal property inside the car. I did not know anyone in the area and I had to walk to a nearby XXXX to spend the night there. I called Santander again on Monday, XXXX XXXX requesting to return the vehicle to me due to the fact they violated our agreement and the refused, instead demanding I cough up {$2700.00}.
|
| 04/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I co-signed for an auto loan XX/XX/XXXX for a family friend. XX/XX/XXXX I placed my home on the market for sale. My credit score was well above the requirement to qualify to purchase another house. XX/XX/XXXX I was told by my home loan financing company that I was no longer approved due to a considerable drop in my credit scores. The drop was due to a late payment made by the cars primary owner. I was completely mystified by this because I never received a call or any communication from Santander to make me aware of payments not being made. I was not notified by mail, email, fax or phone. They did not give me an opportunity to either make the payment or allow me a chance contact XXXX to arrange for the payment to be made. Santander immediately hit my credit with a derogatory 30-day late. After speaking with my home loan officer, I contacted Santander XX/XX/XXXX. Customer service gave me the recent payment history & informed me of a missed payment arrangement XXXX entered on XX/XX/XXXX. The arranged payment date was to be XX/XX/XXXX. Payment was not made on that day. I was still not notified, not only the late payment but the missed promise to pay date as well. I then asked to speak to the manager of their credit reporting department. I was advised to call XXXX to reach XXXX. I called & left voice messages for him on XX/XX/XXXX, both AM and PM ; and another message was left on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received a call back. I am asking that the derogatory reporting be removed from my credit reports immediately. As mentioned before, I am in the process of purchasing a home for my XXXX year old daughter and I. My previous home sold and closed on XX/XX/XXXX. We currently have no home and living with family. I believe that as a consumer, I should have received all notifications ( Verbal and written ) that the primary buyer receives. Because Santander failed to notify me, my chances of owning a home and providing shelter for my child have been destroyed. XXXX forwarded me an email on XX/XX/XXXX she had received from Santander dated XX/XX/XXXX indicating they did not have a valid number to reach her on. Even still, I was not notified by Santander to let me know they could not contact her. I believe I should have received written or verbal communication from them letting me know they had been unsuccessful in contacting her ( even though they had spoken to her on XXXX XXXX to set up the payment arrangement ) regarding her missed payments. I can not understand the point of being a cosigner if I can not effectively hold the primary borrower accountable for timely payments. I did not cosign for her simply so she could obtain the loan, I cosigned for her because she needs an opportunity to rebuild and strengthen her credit. By cosigning, I would have been able to help ensure Santander received timely and full payments. This was taken away from me when they failed to notify of late and missed payments. Especially in the month that was so critical for me, XXXX. I would have surely made the payment for her because I could not take a chance of having my financing approval rescinded due to a late payment posting to my credit profile. I am asking CFPB please help me in having this derogatory posting removed from all three of my credit reports as soon as possible. I need to be able to provide a stable home for my daughter. As a single mother, I am the only source of stability she has. I can not properly provide for her with a well below average credit rating. Thank you.
|
| 07/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2018 Santander repossessed my vehicle for non-payment. I had been making my payments to XXXX XXXX XXXX XXXX since XX/XX/2018 who was my previous finance company. I had no previous communication, relationship, etc. with Santander other than a denial letter I had received from them dated XX/XX/2018. After several dizzying phone calls I located Santander and told them I that I had financing through XXXX XXXX and had been making my payments. They reacted as though I were crazy. They requested documentation of my payments to XXXX XXXX and provided me a fax number and stated that if I could provide proof that I had been making payments to another finance company that a mistake must have been made at the dealership and this was beyond by control. They also stated they would refer my account to their " higher-ups '' to ensure that my credit was fixed so I wouldn't have repossession and missed payments. They stated they would also see what they could to " reset '' my loan to begin with zero days late and zero days past due. I was referred to the Office of Consumer Practices and stuck with a man named XXXX XXXX who changed promises like coffee cups. When he would request documents I would provide them, then he would request something else. He kept promising that he would get my vehicle back to me, fix my credit report, adjust my loan to be due in XX/XX/XXXX due to the length of time the investigation was taking ... .but none of this happened other than getting my vehicle back.
He told me in the middle of XX/XX/XXXX that he was waiting for approval from his supervisors to have my loan due XX/XX/XXXX and to set the 4 payments I had made to XXXX XXXX onto the back of the loan. I had filed a complaint with the FTC due to the issues with them repossessing my vehicle, the dealerships grievous errors, XXXX XXXX accepting payments on an account that existed one day and then didn't the next and empty promises from my current finance company.
The immediate solution in XXXX XXXX 's mind was for me to retrieve my vehicle. I was tricked into signing a document which moved three ( 3 ) payments to the back of my loan ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and was told that they were only authorized to move that amount in their department and were still waiting for approval from their " higher-ups ''. [ They still have not addressed the damage that was done while it was in the auction 's care or the loss of my and my son 's personal possessions! ] After I retrieved my vehicle, the entire story changed and XXXX XXXX accused me of being confused. I requested that he pull the phone calls and he refused. I told him that he lied and tricked me into signing that document so that I could get my vehicle back and he told me that he did nothing of the sort. Again, I requested that he pull the phone calls and listen to them as he explicitly stated that he was waiting for approval for my loan due date to be moved to XX/XX/XXXX. My credit still shows as this account being in a closed " repossessed '' status. I have repeatedly requested XXXX XXXX 's supervisor and he stated that there is no one else to speak with other than him. I fear that I am being bullied and taken advantage of and I am not being treated fairly in an already unfair situation. I need some help. I lost my job due to my vehicle being taken. I have been accused of many things during the past two months and XXXX XXXX should not be doing this job. Now I have received a letter today, stating that they want to repossess my vehicle again!
|
| 07/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a XXXX XXXX a little over 2 years ago. I had a problem with the car about 5 months ago where the car lost power and was making a noise and it ended up going to the XXXX dealership to look into issue and the local dealership reported to corporate and it ended up being an issue with the motor that was a problem with a lot of the XXXX XXXX, but not yet a recall. XXXX corporate agreed to put new motor in it, but it was actually a refurbished motor. It had a 10,000 mile warranty on it. And after a few days I returned to the local XXXX dealership, XXXX XXXX XXXX in XXXX XXXX, FL to report that the rpm 's was dropping and going up & down, they checked it out and said it was nothing, that it was ok. I reported back to them several times over the next few weeks or so that it was still doing it and questioned some other things it was doing as well, they threw it off and kept saying it was nothing. My 10,000 mile warranty has now ended. I was traveling at about 45-50 mph last week, and my car completely stalled on me in the middle of the road, it would do absolutely nothing and would n't crank back up. I had received a notice in the mail about a recall on my car from Department of Savety Motor Vehicles that it would stall at a high rate of speed and could cause a serious accident to take it to the nearest dealership for the recall to be fixed. I also looked online and entered my VIN number and confirmed it was an open recall on the type of motor they just put in, my previous motor was a short block and this new one was a long block, so it was in fact a new recall on the new motor put in. I took it to the local XXXX dealership again to have them fix the recall, they checked it out and said nothing was wrong with it, said they have a special tool that XXXX designed to stick in the motor to see if motor is bad, also tells them if it will have future problems even if motor is good now. So they declined to fix the recall on my vehicle. Advised me to drive it until something happens, so I asked them, so you are saying you want me to drive this vehicle until something happens and risk getting into this serious accident, and I was basically told yes. I advised them that I will be contacting the Department of Safety Motor Vehicles who sent this notice out and I would be putting in other complaints as well, them they said why would I do that, and so on. I tried to go get another vehicle today and was approved but this car had too much left over to add onto new car loan, and the dealership did n't want to be bothered with it knowing what was going on with it, and said that it 's not my credit, it 's the car, I was approved to get a brand new car with {$0.00} down, but they said I need to get this car off my credit. So I ca n't do anything. I ca n't get the vehicle fixed and it has me where I ca n't get a new vehicle, this is too much going on with recalls with XXXX 's and now them not wanting to fix them. I just want another car, I have so much money stuck into this car, I 've never been late on a payment. I need for my finance company, Santander, to agree to remove this vehicle from credit, finance me another vehicle which they are the ones the dealership just tried to get new loan with, or something, I would like to get some of my money back, if possible, but I definitely need them to work something out, I ca n't drive a car that has a safety recall on it. I also need something filed against XXXX not wanting to fix recalls in their vehicles, especially when it 's a open recall.
|
| 09/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I went to purchase a XXXX XXXX XXXX at XXXX XXXX in XXXX on XX/XX/2020. We did every step to obtain the car and everything was signed interest and bank was approved on the same day. a few days later I get a phone call from the XXXX Manager. He left a voice mail in my phone saying that they had to pull my credit again because my credit was locked and could not finalize the transaction. That to me was very strange so I did call him back when I was leaving work. I left him a message asking him one question. How was it possible that I signed documents with a bank which it was XXXX who finance the car and got an interest at 4.9 % if my credit was never pull? He did not call me back after hearing my message and the General Manager called me back and told me they made a mistake, but they will need for me to reopen my credit again so they can shop around to get me approve. So I signed a fraudulent contract. I did talk to some people and I was told that is something called XXXX and Switch. Many dealers have the habit to do things like this. My stress level on that week went up and I could not work. So I called the sales manager or the person that helped me with the buying process his name is XXXX XXXX XXXX, he told me that I locked my credit to quick so they have to get funds from the bank. So I agree to open my credit again, because I did open my credit on the XXXX and locked the credit next day just to get finance. Anyway I open my credit back again after 4 or 5 days of having the new car. I even told him that I will open the credit, but I will not pay more money. He told me ok, so when I open my credit back again they did what the XXXX told me he was going to do, they were shopping around with my credit calling many banks. The next day XXXX XXXX called me and told me that I was approved but he needed {$5.00} K more for down payment. I told him that I was not going to do that, to just give me my old car back that I traded with them and my deposit. He told me ok, I drove on the XXXX of XXXX to return the new car back to them and get my old car back from them. Because I did not want any issues with them or been accused of stealing a car. When I went to get my old car back they stole the floor mats and the vehicle manual that was in the glove compartment. I made XXXX of my new situation that someone stole the Mats and he told me that he was going to order some new ones for me. Today I check my personalize tag and is under the new car. I told XXXX to transfer my tag back to my old car and he did not. So now I have another issue and is that my tag is under the new car and not under my old car that I have now. Anyway I have a fraudulent contract signed between the dealer and me that has no validation. After leaving with the new car I returned the new car a week later because they change the non existing contract that I signed with them. I have copies of the contract that I can sent to this office if is needed. After calling XXXX XXXX about my tags he curse me out on the phone because I gave them a bad survey or review. I signed a fake contract that I was giving, I get my mats stolen and now my tag is under the new car and not my old car. XXXX first the finance contract is what I still do not understand. How can a dealership makes you sign a contract that later does not have any validation? Again I was told that this is called XXXX and Switch. I did not walk out of this deal, they push me out of the deal because they are asking me for more money after leaving with the car.
|
| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
Life happened, I communicated to Santander, letting them be aware of what was going on, I lost my employment with the school system back in XXXX, back was still able to pay my car note, but it wasn't until late XXXX to early XXXX when things took a turn for me, which I was just working to pay my rent and utilities. Santander repossess my car back on XX/XX/XXXX. I got some information for them about they have sold my car, I only have a few months to go, before it was completely paid off, like {$1600.00} or more. After I was informed that my car was sold, there was no need for me to even try to come up with any money, my car was sold.
I got notices for a while, then it stop, knowing that they put me down at the credit bureau. So I received a call and I should have ignored it for the sole purpose, it was unknown, I received a couple of them maybe twice a day, but would not answer them, that XXXX day that I did was in XXXX of this year???? So I noticed that there was a message on my phone, I listen to it, and this lady told me that it was to my benefit to give her a call back ASAP, for it was dealing with a law suite , she did not go into details of the matter, but to return her call, so I did. The person that left the message did not answer the callback, I spoke with someone by the name of XXXX XXXX, and she came across as loud and asked me if this was XXXX XXXX that she was speaking with, I acknowledge her. She then went through this spill of why she was calling and that Santander had this arbitrary company that work for them to contact me.
She went on that I needed to paid the balance and if I didn't that I could go to jail, I told her that I have had a hardship because of my employment status and that I could not pay, but as I proceeded to explain, she stops me in mid-conversation to tell me that she may help me but to wait on the phone, while she calls Santander about what happened to me for me to not paid my car note and after it was sold, I found it funny, that she came back on after XXXX seconds to tell me that Santander will accept {$550.00}, but that I need to put a deposit down that same day and I told her that I could not do it, but maybe the following week, she agreed, saying that she will work with me, because life does happen and that that was misfortunate. I also was trying to let her know that I received a letter in regards to Santander wrong doing with their customers that they were giving too high of a percentage in interests, but she over talk me to say that's okay, we will just deal with what's at hand now. So I put a partial down payment of {$150.00}, and that the rest of the XXXX partial of {$230.00} for XXXX and XX/XX/XXXX, which she did get for XXXX the XXXX, I thought about it {$230.00} later and I said that something didn't feel right, so I tried looking up their name and found nothing by that in GA, however, I did find this one in VA, but they spell their name full out. Not like this one that I sent money to already, XXXX XXXX Collect. I also called the XXXX XXXX that I paid for and ( XXXX ) from XXXX helped me out because I could not find this collection, XXXX, suspect that it was a scam, I informed my bank about it and she suspects that it too was a supposable scam too, so she advised me to go and get another bank card, so that they would not get any money out and on her end, she stopped it from going through, like who would reduce the payment to only {$550.00} to settle a debt? Their numbers are XXXX, XXXX, and XXXX ext. XXXX?
|
| 10/20/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
To Chrysler Capital RE : Return of lease car at end of lease Your attached letter dated XXXX/XXXX/2016 requesting an additional {$400.00} payment for exterior damage is a fee that I refuse to pay for the following reasons.
I met with your representative at my home on XXXX XXXX, 2016. He spent almost a half hour inspecting every inch of the vehicle to determine if there was damage or wear and tear that was my responsibility. That included, inside the engine compartment and trunk, under the car, the interior and all exterior panels. At the conclusion of the inspection, he said the car looked great and everything was fine. He printed out a report that confirmed I did not owe any fees or extra charges and I said to him that " I appreciated having a copy of the report to be able to prove that I did not owe any money for damages or excess wear and tear. ( report copy enclosed ) I turned the car into the dealership within one hour after your inspector completed his inspection. The car has not been in my possession since that time and yet in a letter dated 25 days after the car was out of my control, you are claiming it had {$400.00} in exterior damage. It is unfathomable to me, that you would not have had your inspector inform me of any issue for which I may have been liable when he was standing in my driveway and speaking directly with me about the car 's condition. Further, you have no way of proving to my satisfaction, that the damage you are referring to did not occur after the car was out of my possession.
Had your inspector told me at the time of the inspection that I owed {$400.00}, I would have had several options to pursue. By not informing me of the problem at the time of the inspection, you denied me the opportunity to affirm or contest the determination, seek a second opinion, negotiate a repair with my dealership as part of the new car deal that was part of this transaction, or arrange to have the repair work completed at my cost at a garage I trust.
In your {$400.00} demand letter, you also did not recognize the fact that I returned the car five months early, ( and without complaint prepaid the five remaining monthly lease payments ) affording you the opportunity to resell a car that was more valuable than it would have been had I kept it until the end of the lease term. Why was that value not recognized and used to offset the {$400.00}?
I also want you to know, the dealership that leased me the car I turned in, also leased me a new vehicle to replace this one. They insisted on arranging my new lease with XXXX XXXX because they said Chrysler Financial was playing games with customers and billing them for alleged damages after vehicles were turned in and out of the customer 's and the dealership 's control.
In addition, it is stunning to me that your XXXX XXXX, letter claims that my liability for repairs is open ended. I quote from your letter : " Please be advised that there might be a subsequent bill that will include any future charges that might become due at a later date.
For this reason, and the experience I am having that matches perfectly with the dealership described scenario, I am submitting a complaint to the U.S. Consumer Financial Protection Bureau about a process that appears to be a scam and not a legitimate damage claim.
Once again, I am not able to understand why you would not employ a process at the point of inspection that would inform your customers when Chrysler Capital feels there is cause warranting additional payment.
|
| 03/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a vehicle which was financed by Santander in approximately XX/XX/XXXX and my car was repossessed in XX/XX/XXXX. With that said, I have been trying to get this account off my credit because at worse, this account should have been taken off of my credit report in XX/XX/XXXX and still remains.
On my report, the first delinquency shows as XX/XX/XXXX which has been pushed back from the actual date of delinquency in the earlier part XX/XX/XXXX at the latest. The high credit on this account is a little over {$16000.00} and apparently, I have paid from mid XX/XX/XXXX to mid XX/XX/XXXX a monthly payment of {$440.00} per month which would account for more than {$26000.00}, which would be over {$10000.00} of amount owed to satisfy this debt. However, I have k no idea where they applied the payments as this debt would have been satisfied per the credit reporting. Fast forward, when I try to have account deleted from my credit report as it should have already been, I am told by Santander that they are willing to accept the delinquent amount of {$5900.00}. How do I owe {$5900.00}? Although I have been delinquent, how do I owe {$5900.00}? doing the math, the vehicle should have been paid for in full, and after it was repossessed, it was sold. if it was sold for said amt.
why was n't that amount deducted from balance so called owed?
I have called several times and told different amounts of what the car was sold for, one account, the car was sold for {$5000.00}, another account, it was sold for {$4500.00}, another time I was told it was sold for {$3500.00} to {$5000.00}. Which is it? I again ask for a statement of all transactions done with Santander and transaction of the vehicle being sold, what I received was a blurred copy and my signature. I called again and have n't received anything since. I have been questioning Santander on all of this and get nothing. The blurred copy of the history of payments is the best I received. Lastly, after all of this, I received a XXXX when I received it, I called XXXX credit bureau and the representative called Santander, he addressed himself and advised that I was on the line and wanted to know why they sent the XXXX and why is this account still on my credit report. The representative from Santander advised that I could make a payment right now to satisfy the debt. I advised that I should no longer owe this debt due to the amount of months I 've paid on this account, the fact that they sold the vehicle in question AND, that I filed the XXXX on our taxes last year when I had no intention to but no one from Santander would speak to me when I questioned the form and continued to put me on eternal hold led to file the form has me now, paying the IRS. I did call again after we filed our taxes and that 's when I was able to speak to someone. When I explained that I now have to pay the IRS due to the XXXX filed, I was again, told they could take my payment of {$5900.00} today.
I explained again, it is not ok to pay a debt that should have been resolved by length of pay, IRS, then paying you today? the representative stated, " we wo n't see the IRS money you send them, you need to pay us now. '' I stated, " at this point, I 've paid 3 fold and this needs to be taken off of my credit. This debt is old, the date has gotten pushed back to keep it on my credit report.
And the information between all XXXX bureaus is inconsistent. This needs to be taken off all XXXX credit reports as it should have been over a yr. ago at worse.
|
| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have a lease for a XXXX XXXX XXXX executed XX/XX/XXXX. Upon receiving the XX/XX/XXXX notification of the finalization/fulfillment of my OLD XXXX XXXX reorganization ( from XXXX filing ) Chrysler capital unilaterally canceled my agreement with them, which I don't agree to and didn't authorize!
Please don't be confused... For the record I DID NOT INITIATE ANY CANCELLATION. RATHER THIS IS A MISTAKE BY CHRYSLER CAPITAL in response to a normal common and routine communication notifying parties from the XXXX filing that the court reopened my XXXX XXXX case to enter the DISCHARGE now that the terms of my plan were fulfilled.
I have money in my account to make the payment and have NEVER MISSED ANY PAYMENT WITH CHRYSLER CAPITAL ON ANY LEASE.
XXXX is the XX/XX/XXXX email from Chrysler Capital which is also attached as a PDF********* Chrysler Capital XXXX XXXX XXXX XXXX XXXX TX XXXX This confirms that on XX/XX/XXXX you XXXX this Autopay electronic bill payment pertaining to the plan described below to Chrysler Capital XXXX
Autopay Plan ID : XXXX Account Number with Chrysler Capital : XXXX Bank Account or Card # : XXXX Plan Information : Frequency : Monthly Amount Method : Amount Due Payment Amount : Amount Due Convenience Fee : {$0.00} Total : Amount Due Start Date : XX/XX/XXXX Payment Day : Monthly starting on XX/XX/XXXX End Method : Until further notice To add an Autopay plan in the future, please revisit the Chrysler Capital site and select Autopay on the main menu. You may also contact XXXX.
Retain this information for your records.
. ************** THIS SITUATION HAS TAKEN ME TIME AWAY FROM WORK TO PLACE MULTIPLE PHONE CALLS AND COMMUNICATIONS AND I WANT COMPENSATED AT MY NORMAL HOURLY RATE OF {$250.00} PER HOUR FOR THEIR MISTAKE.
TO DATE I HAVE SPOKEN WITH : XXXX employee # XXXX on XX/XX/XXXX XXXX in the executive offices employee # XXXX XXXX employee # XXXX who dropped the call XXXX employee # XXXX who dropped the call and on XX/XX/XXXX XXXX employee # XXXX who dumped me in voicemail.
I have also left multiple voicemails asking my payment plan be put back in place so I don't get behind.
I want the monthly payment put back in place IMMEDIATELY and I want compensated at a rate of {$250.00} per hour for 2.5 hours ( to date ) and any out-of-pocket costs in attempting to resolve their mistake. I don't want to have to jump through any hoops to re-establish this since this action is clearly their mistake and this was so much as confirmed by XXXX in the executive offices employee # XXXX that they cancel all payments *upon bankruptcy*, which again this is NOT a new case.
Finally to make things worse for me, Chrysler Capital has apparently closed my account so I can not even make any manual payments! When I attempt to sign in I receive the following message, which is also attached as a PDF Your account has been XXXX I have screenshotted AND time and date-stamped this message. Other than following the terms of my restructuring I have perfect XXXX credit and have NEVER missed a payment with anyone, not the least of which would be Chrysler Capital XXXX
What am I to do? I am very worried and just don't know what to do. I want my PERFECT personal credit record kept clean and harmless from their mistake and their inability to correct the problem. I am and always have been ready to make the payment and the money is and has been in my account. Due to ineptitude and apparently poor educated workers Chrysler Capital has defaulted on our agreement.
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I hoping you can help me. The account in on XXXX reporting open and that it should be close or written off .I am being reported delinquent.
In XXXX I had a XXXX XXXX XXXX. It started having problems, shutting off midstream while driving. I took it to the XXXX dealer to find it what was wrong and was told that it would cost me more than it was worth to fix and I should get another vehicle. This took place on a Friday. A salesman convinced me to test drive a XXXX XXXX XXXX that had all the bells and whistles. I filled out the paper work and was told that I would hear from the bank during the week. That next week I got a phone call telling me I was approved for the car but I had to come to the dealer right away because the bank rep is only on the premises on that day andwould be leaving by XXXX XXXX. He also told me I could drive home that day with the new car. I went to the dealership and immediately after work and was ushered into a vechicle that looked just like the one I had test drove the week before except some of the bells and whistles were missing and it was an older modelXXXX! I was convince to speak to the finance manager and work out a deal because I was not approved for the XXXX but I could get the XXXX. I was asked to leave my XXXX in the service area and go speak to the finance manager. I expressed my discontent about the salesperson telling me I was approved for the vechicle that I test drove to get there to find out that was not the case. The finance manager told me my credit could get me the XXXX not the XXXX .I told him that I had not test driven the car and I didn't know if I would like this one. He assured me if I didn't like it after test driving it that I was not obligated to purchasing it. He convinced me to fill out the paper work to save time.
I had given a check the first time as a deposit on the XXXX.
Once I filled out the paper work I went to the salesman and he said we would test drive the XXXX and for me to get in the car and he would meet me at the bottom of the ramp.
It was getting late around XXXXXXXX.After waiting 15 min for the sales person I saw the General manager and asked him to find out what was taking the sales person so long. He responded he was on his way home and he didn't know. I waited about 1/2 asking someone in side to located him. I drove back up to the service delta and it was closed with my XXXX inside. I was furious so now the dealership is closing and no sales man around. This dealer is about XXXX miles from my home.
I had no choice but to drive the car off the lot and I had to pick up my children.
I return the car the next day very upset and was told my car was taken to auction!!! I called a lawyer. The lawyer set up an appt a week later because this all happened a week before XXXX .The General manage and the Finance manager and the sales person.
all lied and said that was the car I originally put the deposit on and now I was having buyers remorse.
I felt very intimidated because they all ganged up on me. They would not give me back my car so I left with no vechicle. I didn't have any money to retain the attorney because I need to buy a car now.
The bank Santander the finance company says I owe them for the XXXX XXXX which I never had and it's ruining my credit. This was XXXXyears ago and they just out on my credit report that I am 180 days late!!
I really need your help to unveil these people who scam woman.
Thank you for your attention I have attached a statement from the attorney.
|
| 11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Santander Consumer Usa XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise.
I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX University, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals!
In GENUINE SINCERITY I CLOSE,
|
| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
In XXXX, XXXX XXXX in XXXX, Texas told me I was approved to co-sign for a friend a $ XXXX car. I am a XXXX XXXX XXXX veteran with XXXX XXXX XXXX XXXX XXXX so after driving 40 minutes to the dealership, I was in a state of distress and anxiety- simply from driving that far. After waiting a long time, the dealership asked me to initial something, showing the price of the car was $ XXXX. I was shocked at the price difference, which caused an even more XXXX and XXXX. I was shaking after this, and clearly not in my right mind as the dealership denied ever telling me it was $ XXXX, which I know they did- I never would have agreed to that. I get into the finance managers office, and was given papers to sign. I noticed my name was listed first. I said, " I thought I was the co-signer ''. The finance advisor assured me it did not matter whose name was first. I believed him. I reiterate : I was not in the right state of mind to make any of these decisions, nor was I able to clearly ascertain what was really going on. Days after signing, I began receiving documents from Santander in the mail. I've never co-signed for anyone, but I know co-signers do not receive initial bills and account information. I called the bank and, through deductive reasoning, realized Santander only used my information for the car loan - the other person was never asked to submit one single piece of documentation. Why? Santander told me, It doesnt matter whose name is listed first or second. The car is in both of your names. What?? I'm confused. This is not my car! What does it all mean? First, it means the dealership hid/ignored objective facts, providing false information about who was buying the car, their address, and misrepresenting who would ultimately have possession of the vehicle. Second, it means Santander refused to verify any of the information they were being given, which resulted in an unqualified/high-risk person having possession of a car they should not have. Last, it means, if the other persons information was not even considered, and only my information was used, I should have been given the option to remain the ONLY name on the car/loan as this person and I are not married or anything, so common sense would tell you that if it were possible to avoid being on a loan together, I should have been given that option. Instead, I was lied to and told we had to co-sign together. This last fact is extremely significant because this person has since disappeared and I can not even report the car stolen because they listed us together. This could have been avoided if the dealership and Santander were honest and above-board regarding the details of the transaction. Santander keeps sending everything to my address- even documents with the other persons name on it. We do NOT live together. I told the finance officer this the day I signed ; he just kept saying it did not matter. When the friend I allegedly co-signed for realized it was basically MY loan and that the bank had none of his information, other than his name, he disappeared. I have no idea where he is. I even paid the first car note b/c I felt obligated, but I will not continue paying for a car so these thugs can profit off my innocence and goodwill. I have a $ XXXX car loan with XXXX XXXX ; I filed bankruptcy 3 years ago ; I should have never even qualified for a $ XXXX car loan - especially when Im signing with someone who is not required to submit any information. I was clearly taken advantage of. Please help me.
|
| 09/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
OnXX/XX/XXXX the account with Santander Consumer USA Holdings was added to my credit report. Originally I agreed to be the Co-Signer for the XXXX XXXX XXXX Vin:XXXX. At that time I was not present. The documents were mailed to me and I signed all documents as a Co-Signer and my mother XXXX XXXX signature was documented as the owner. Santander Consumer USA Holdings made me the sole owner of the car without my permission. There's no way I would have taken a loan out for a car when I had my own car loan out for my XXXX XXXX, which I'm now the owner of. I was advised that I was the owner of the car in XX/XX/XXXX when I began receiving phone calls about a late car payment.
XX/XX/XXXX Santander Consumer USA Holdings settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims.
The states argued that the Santander division violated consumer protection laws by allowing subprime customers to borrow money for car purchases, even though these customers were at a high risk of defaulting on the loans. The loans were made between XX/XX/XXXX and XX/XX/XXXX.
They also accused the lender ofturning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior.
In a statement, Santander Consumer USA Holdings described the allegations asa legacy underwriting issue.The settlement wasanother key milestone in addressing issues related to that time period, it added, and would not affect its operations or ability to serve customers.
The company said : Over the last several years, we have strengthened our risk management across the board improving our policies and procedures to identify and prevent dealer misconduct, and tightening standards to ensure affordability.
Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts Santander will also implement steps to monitor dealers who engage in income inflation, expense inflation, power booking, and Santander will enact additional documentation requirements for those dealers. Further, whereas Santander previously allowed these problematic dealers to waive documentation requirements on income and expenses, Santander no longer will allow such exceptions. If Santander has to use a default mortgage or rent payment value, the amount input must reasonably reflect the payment value for the geographic location. Finally, Santander will maintain policies and procedures for deferments, forbearances, modifications and other collection matters that all employees must follow.
The states joining in the settlement led by Illinois Attorney General XXXX are the attorneys general of California, Maryland, New Jersey, Oregon and Washington, who comprise the executive committee ; as well as the attorneys general of Arizona, Arkansas, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, and Wyoming.
The charge-offs on my credit reports are due to the negligence and malpractice of Santander and I request that it be removed from all credit bureaus. Attached you will find supporting documents.
Regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 10/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have paid in full contract + over charged. I have agreed to pay XXXX XXXX more payment ending loan as of XX/XX/XXXX never disagree with that term. The dealership said my loan would not start til XX/XX/XXXX. Causing 4 more payment to the XXXX XXXX XXXX + in XXXX I had a fur-low from the government which granted 3 more months on the backside too. that turn into 4 given a total of 8 more payment ' half was no my ownership problem but I'm demand to pay it. never disagree with that term because I would like to keep my car. Now their want 20 + more payments talk about consumer fraud and taken advances plus never applying money to the loan accurately and gaining more interest rate to never be apply correctly taken again advantage of a consumer.Then never being told the turth about nothing for this loan. Its ended and I want the title after all money has been paid in full. I have paid more than the loan as of today and money has not been applied correctly and they have more than the loan requested.
I also have filed a police report with XXXX Police area about the matter. they said to call CFPB and the XXXX.
Then today conversation : Santander CEO and Attorney : I never disagree to pay the 8 car payment on the back of the loan even though it was not told me the consumer at the begain correctly but XXXX XXXX in XX/XX/XXXX on a recorded line said my payment would go to loan in full after contracted ended. Again that it will go directly to the principle for the last 8 months end of contract.
Escalations team, XXXX said different 2-3 more year plus more maybe longer to a life time? Then too Mr XXXX who know how to " Amortization is the process of spreading out a loan into a series of fixed payments over time. You'll be paying off the loan 's interest and principal in different amounts each month, although your total payment remains equal each period. '' price said, " Would go on about 20 + more months. " more interest added. Plus the account should be adjusted from what my XXXX said XXXX would do. Action please follow though in writing.
After 8 month more he said to follow complains ... .continue on. I told him I dont wish that actions.
Now Mr XXXX XXXX said he dose not mine to all the pay all of the attorney fees ( mine included ) on a recorded line with Santander because my 8 months that was caused from the Begin of the loan and 4 months though the life of the loans. Adding 8 more months. XXXX & XXXX again that the interest would stop and payment of 8 more months would be all after the contracted end.
Contract seem now at a Breached but under all ethical means I will pay XXXX to santander for 8 months this in writing. XXXX agreed to this in XX/XX/XXXX and said now as above. Mr XXXX said Different and I nor XXXX signed anything different. Words are not signatures and what was told was not agreed to nor was told me honestly or ethical mean by anyone at Satnader all nothing on one page.
This problem was said to be closed by XXXX XXXX said, this is not closed on end. please again have your attorney call me and I look forward to seeing where the resolve is and holding santander to 8 more month as agreed to.
I do not agree to be over charged nor to lied to as you all just went to court over the last few year. He said to keep turning end matter.
Sure I will.
This is in writing with no interest moving forward and 8 more payment. Please release title after the 8th Month. Please never over change me as you have already done.
XXXX & XXXX XXXX
|
| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I obtained a car loan with Santander in XXXX. My overall problems with Santander did not begin until after I submitted a lump payment of {$13000.00} in XXXX XXXX. Since my monthly payment is {$350.00}, I paid my loan forward for XXXX years which I needed and wanted to do since I was/am unemployed and did not know when I would obtain adequate employment to make monthly payments. I received documentation from Santander stating that I paid down my loan to less than {$1600.00}. I did not make any subsequent payments after XXXX because I knew that I paid forward until late XXXX or even early XXXX. I received a statement from Santander in XXXX XXXX saying that I was late on my XXXX XXXX payment. I knew that this was impossible since I had paid XXXX months of payments in a lump sum in XXXX. I called Santander and listened to the voice prompt that assured me that I had paid {$13000.00} in XXXX because I was thinking that there was a mishap since I received a statement that I was late with a payment. I spoke to a representative who told me that I had made a payment of {$12000.00} in XXXX ; he placed me on hold when I disputed this amount and when I informed him that Santander 's system said that I made a payment of {$13000.00}. When he came back on the phone he backtracked and was explaining that I owed money for various amounts and that is what took my payment 'down ' to {$120000.00}. Again he backtracked when I told him that this was not what he said. I then asked him how I owed money if I made a lump payment of {$13000.00} which pays me forward through the end of XXXX or early XXXX. He then began to tell me that I owed 'simple interest ' on the loan ; I explained that simple interest on a {$1600.00} balance could not be the {$700.00} interest payment that they say that I owed. This would mean that I accrued {$700.00} in interest on a {$1600.00} from XXXX XXXX until XXXX XXXX. Since I did not feel that he provided an adequate explanation for this amount, I requested that he send me a written explanation detailing the reasons why I am late with my payment though I made a lump payment of {$13000.00} in XXXX. I never received that letter but I continued to receive telephone calls from Santander representatives who could not explain the reason that I owed money but who would simply state that I owed 'simple interest. ' I would request something in writing during each conversation about monies owed but I never would receive anything in writing. Instead I would receive a telephone call demanding payment. Yesterday I informed the Santander representative who called me that I wanted XXXX things to be done : 1 ) written explanation of why they stated that I owe money at this time 2 ) cease-and-desist from calling me. I told her that I did not want them to call me anymore because I am not getting the help that I need and that they were not following through with providing written documentation that I am requesting during the telephone conversation. She promised me XXXX things : 1 ) an emailed billing explanation TODAY which was yesterday 2 ) no more telephone calls. I waited again for her to provide email documentation regarding any monies owed but I never have received anything. I need your help determining why Santander says that I owe money, that I am late with a payment, how simple interest on a {$1600.00} loan balance could amount to {$700.00} in XXXX months and why they can will/can not provide this documentation in writing.
|
| 09/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
To whom it may concern, On XX/XX/XXXX, I went into the dealership to purchase a vehicle as the vehicle I had previously purchased that was being financed through XXXX was having mechanical issues. With having bad and over extended credit I was told that they had a bank that would have no issues approving me. This was a TRAP in it self when they knew I had a negative residual income after letting me know what the payments would be. From my understanding this loan was also powerbooked as it was a corporate used vehicle that already had miles on it and was misrepresented as a " new '' vehicle. Within minutes my husband ( that had no income coming in ) and I were approved with an excruciating payment. However, we had no other choice. During the coarse of the loan I had called Santander asking to defer payments due to not being able to afford the payments ( There are voice recordings for this ) and it was at the beginning of the loan. Shortly after having the vehicle it cause so much financial burden I was forced to claim Bankruptcy. Santander did not show up to the bankruptcy hearing which resulted in no re affirmation. I did at one point continue to pay the loan after my bankruptcy. However, as stated this became such a financial burden I could not anymore. When calling Santander to see if the vehicle was out for repossession they had stated they no longer were handling my account and it was sold to XXXX XXXX XXXX. When I contacted this company I requested the Title for the vehicle as Santander no longer owned the debt and I was having mechanical issues with the vehicle. The original representative I spoke with advised me that they would be " passing '' on the vehicle and all I needed to do was send in a copy of the diagnostic report from the mechanic that had the vehicle. This information was sent to XXXX. When contacting XXXX group back to get the title I was informed by the representative ( on a recorded line ) that Santander should have never sold them the debt because of the mechanical issues and the bankruptcy on file and the file would be going back to them. When contacting Santander on SEVERAL occasions they had no idea what I was talking about and stated they were not handling the account. I then again requested for the title and was denied. I also asked if the vehicle was out for repossession on several occasions and was told no. On XX/XX/XXXX I had a man come to my door asking me for the keys to the XXXX and was repossessing the vehicle for Santander. I was a bit surprised after I had called on several occasions and was told it was not out for repo AND how could they do this during a PANADEMIC! When I walked out side I seen the vehicle had already been hitched from the rear. As soon as the repo contractor pulled off I received several warnings from XXXX in my email as the contractor was towing the vehicle improperly. When reviewing the damage to the car from the repossession it would have been impossible to pay to retrieve the vehicle and pay for repairs. I feel Santander violated SEVERAL of my consumer rights over the years and I am demanding ALL of the {$8800.00} payments I made or for the vehicle back with a clear title. If this demand if not fulfilled I will be pursuing this matter through litigation. Furthermore, a copy of this complaint and demand has been sent to the Michigan Attorney Generals office.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Creditor : Santander Acct # : XXXX Vin # XXXX
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX THIS ITEM HAS SURPASSED THE 84-MONTH TIMELINE EFFECTIVE IMMEDIATELY, AND THEREFORE MUST BE REMOVED PERMANENTLY. PLEASE ADHERE TO FEDERAL GUIDELINES AND REMOVE PERMANENTLY.
On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I entered into a loan contract for a new vehicle purchase with Santander Consumer USA based on false information the car dealership 's finance and sales teams told me ( XXXX XXXX XXXX ). I was told that I had a XXXX XXXX FICO score and that Santander Consumer USA was the only lender who approved my loan. This information was purposefully falsified so that I would be forced to accept an extremely high interest rate from Santander. The finance manager refused to give me copies of my signed documents, including my bill of sale. He said he was required to send everything to the lender. I had to threaten to file a lawsuit to get a copy of my paperwork form the manager. It took months to get my documents from the dealership.The bill of sale showed I was charged {$390.00} for a wheel lock and {$35000.00} for the vehicle instead of the {$33000.00} that was advertised. They stole my {$2900.00} down payment by manipulating the numbers. I later learned other more reputable lenders had approved me, like XXXX XXXX, and these other lenders showed my credit ( FICO ) score as XXXX from Transunion on XX/XX/XXXX, the same day Santander ran my credit. Santander charged me an interest rate of over 14 %, but lower it to 13.85 % when I vehemently complained. I was told my first payment was due in 45 days, which is how my monthly payments were being applied to interest only on a simple interest loan. To date, not one cent has been applied to the principle of the loan. Santander doesn't only play on the public 's ignorance, the company intentionally misinforms consumers who rely on the company to deal honestly and ethically and provide factual information to loan holders. Santander is unscrupulous in its business dealings, especially car loans. My vehicle was repossessed and Santander failed to provide me with details and legal documentation of the sell of my XXXX XXXX XXXX XXXX. I gave back the vehicle at XXXX on the odometer. However, it was at nearly XXXX when it was sold. I was not given advance notice or an option to buy the vehicle. I believe the vehicle sold for much more than the {$22000.00} Santander claims. I want the paperwork. I want documents with the state seal from the state in which the vehicle was sold. I want Santander to be held accountability for its misdeeds, fraudulent financial activities regarding consumer loans, especially how they ignored my many requests for documentation PRIOR to the repossession. Santander representatives in the " Office of the President '' ( which is essentially a call center ) lied for months about sending the requested documents via fax, email and direct mail. When I finally received the documents via e-mail, I could not open the secured link until I signed my signature, authorizing Santander to use my signature on other documents. I refused to do so. I wrote a lengthy letter and faxed it directly to Santander 's designated party to no avail. I really regret dealing with these crooks. I currently have the Santander loan on my credit report and Santander keeps re-aging the inaccurate item. I want it removed and I want a refund of my payments and {$16.00} fees to make a payment. I can't get approved for a vehicle now due to this single ordeal. I have been told by my financial institution and several dealerships that I could have any car I want if Santander wasn't on my report. I truly want them stopped. I want justice for myself and others. Please help me stop these thieves.
|
| 11/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I am writing this under the provisions of the Consumer Protection Financial Bureau. I am writing this letter to serve as a formal complaint and to request relief from my Santander Consumer account. This letter also serves as this auto lender is being challenged as to recent legal proceedings where Santander Consumer was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. I have been a consumer for Santander Consumer for the past four years where there have been troubling patterns in high levels of debt, deceptive practices, record delinquency and abusive implementations. Santander Consumer has been engaging in predatory practices and cutting back on safeguards that were implemented to protect consumers.
I am being victimized, targeted and taken advantage of considering I was a subprime consumer at the time. I did not meet the credit requirements and income requirements to be able to get approved for any auto loan, however, I was approved. The incentive structure between Santander Consumer and the dealer XXXX XXXX XXXX XXXX XXXX in indirect financing resulted in financial hardship in my life, an outstanding auto loan debt and a predicament nobody should be put in. Santander Consumer intentionally approved me for this loan with high interest and deceptive add-on fees because of the arrangements that were made with XXXX XXXX XXXX.
The following acts occurred : 1. I currently have a 19.6 % interest of the vehicle which makes it impossible to pay down the loan. Over the past four years I have paid {$22000.00}. I financed the vehicle for {$21000.00} and have a current balance of {$14000.00}.
2. It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. It is my belief XXXX XXXX XXXX inflated my income on the loan application which resulted being approved for a loan I can not afford. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come.
3. Santander failed to disclose that the loan obtained had an interest rate that is above the legal limit of interest where I reside.
4. I have defaulted on my loan multiple times due to the continuous amount of fees being added onto the loan.
5. I have been harassed over debt collection and payment options. Santander Consumer would call me multiple times throughout the day demanding for a payment.
6. The loan terms have changed after the initial contract.
I believe these acts are declared unlawful in the Truth in Lending Act and the Consumer Financial Protection Act which declares unfair methods of competition and deceptive practices in the conduct of any trade or commerce unlawful. I have suffered a loss of money and credit due to this loan.
Based on the multistage investigation regarding Santander Consumers violation of consumer protection laws and exposing subprime borrows to situations as stated above, the letter serves as my request for relief. Despite these concerns, Santander Consumer has no taken no action and no care to fix the situation. I have informed Santander Consumer multiple times to please look into my account because of my eligibility for the settlement, however, they showed no care to assist me.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I leased a car from Chrysler Capital in XXXX of XXXX, with my lease expiring on XX/XX/XXXX. I made every payment on time and ensured I was enrolled in auto pay to make sure I made my payments. Chrysler Capital is claiming I missed two payments, while I was unaware I was being taken off auto pay. The reason I did not bring the car in was due to the COVID-19 pandemic. I live in California, and this is right when the first stay at home order was enacted. I was one of the millions of other people that lost their job in this time. Not only did I lose my job, but had to use any and all resources to get my and my familys life in order. With this, I was under the impression from multiple advertisements and other news outlets that Chrysler would extend peoples leases and address it once things went back to normal. With this, I thought my auto pay and lease was extended and had the peace of mind that a large company like Chrysler would take care of their customers.
I am unable to retrieve documentation or past statements for my Chrysler Capital account, other than my payoff statement. Im unsure that I was contacted at all due to the email on account was previous work email, I left the job XX/XX/XXXX. I understand that I could have changed that email address, but it did not cross my account as my account was on auto pay, and was unaware this would happen. The only billing statement I was aware of and received was in XX/XX/XXXX when I noticed my credit was affected. My father was a cosigner on the account and used his home address and landline as the primary phone number. That phone number hasnt been active for years and I have also not lived there for years. I was also unaware of any missed payments, and once I realized there was one, I paid over {$21000.00} to pay the car in full. I was under the impression that Chrysler Capital was going to remedy the missed payments on my credit, and was promised multiple times on the phone that my credit history would be corrected. I asked on multiple calls with Chrysler Capital if the calls were recorded, and they answered yes, so there should be record of this. After months, nothing showed and was then told by Chrysler Capital they do not do courtesy credit adjustments. I have disputed these missed payments with the three credit bureaus on multiple occasions. One, which I have attached, was on XX/XX/XXXX. I submitted two online disputes with the three credit bureaus on XX/XX/XXXX and XX/XX/XXXX.
I have never missed a payment on any tradeline or account in my life. This has decimated my credit. I recently purchased a home on XX/XX/XXXX. Due to my credit profile, I was unable to qualify for preferred interest rates from multiple lenders. This will result in unnecessary and unfair payments of thousands of dollars over the life of the loan. Not only has Chrysler Capital hurt me financially, they have hurt me emotionally causing pain and suffering.
I am at the point where my family has secured an attorney and are in the process of preparing a class action lawsuit against Chrysler Capital. Not only are we doing this for ourselves, but the thousands of people Chrysler Capital has surely and unfairly misled in to thinking they would be taken care of. This ordeal has left me and thousands of other people in complete and utter shock as to how Chrysler Capital treats their customers. I will use the full force the legal system will allow me, and not let this go unnoticed.
|
| 04/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Chrysler Capital reported negatively on my credit report due to a missed payment on XX/XX/2020. I was not notified of this missed payment before it hit my credit score. I work as a XXXX XXXX XXXX XXXX and currently there is a pandemic going on with XXXX XXXX XXXX being hit the hardest. I was not notified that I had missed a payment and once I was notified through my credit score I called Chrysler Capital on XX/XX/2020 and made a payment of {$1000.00} to bring my account current. This payment included any past due amount and my current payment of {$330.00}. I am not even sure why I had to pay so much. If I was month behind with my current payment the total would be {$660.00}. It shows my last payment on my credit score as XXXX XXXX. I asked them what can I do to get this removed from my credit score as it not only hurt mine but my wife 's credit score as well. I have never missed a payment in the five years I have been a customer. They instructed me that due to the current pandemic Chrysler Capital is not making any special accommodations for anyone affected. I explained to them that I am on the frontline of this pandemic and go to work often most times working a 24 hour shift. I have a family and there has been complete lifestyle change with schools being closed and all routines have been halted. With so much going on, one missed payment happened. They then instructed me to write a letter to have this removed off of my score. I sent a letter out the same day by priority mail so I had tracking on the letter. In addition to the letter I had to include a copy of my credit score which showed my prompt payments.
Two days later I get another notification of them negatively reporting me again. I called Chrysler Capital once again on XX/XX/2020 and I asked for a supervisor and even a manager. They repeatedly told me over and over to write a letter which I had already done and that I should call XXXX and dispute it with them since Chrysler Capital was planning on doing nothing and no special accommodations would be made. These calls are recorded and can be pulled to hear word for word what the representative told me. I had even expressed that I would take this concern up with the XXXX XXXX XXXX if nothing was done. This got me absolutely nowhere. I did call XXXX shortly after to submit a complaint to have this removed off of my score.
I let a few days go by to wait and see if they received my letter. I called Chrysler Capital on XX/XX/2020 which is when I was told that my request to have this removed was denied. Once again this is me having to call to get an answer. I was never notified by email, phone or letter about this denial. I asked several times for a supervisor and no one was able to get one on the phone. They repeatedly told me once again no special accommodations were to be made. They said I could write another letter to try to get the reversal on the decision. At this point I'm extremely frustrated. I work as an essential worker and have a family and I pay all of bills on time including Chrysler Capital. I have never been late before this time and I still have no idea why the charges are an extra {$430.00}. I need this resolved and the right thing to be done and to have this removed off of my credit score. I reported it to XXXX and now I'm reporting it here. This is an extreme inconvenience to me as I am refinancing my home and this is hindering all abilities to move forward.
|
| 01/06/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This complaint is against XXXX XXXX AKA Santander consumer Usa. I opened an account with this company on XX/XX/XXXX for a three year lease on a XXXX XXXX XXXX. In XX/XX/XXXX I traded in the lease for a new lease with XXXX ( XXXX XXXX XXXX ) location : XXXX XXXX XXXX XXXX ( Florida ). With 5 payments remaining on the XXXX, XXXX XXXX XXXX XXXX paid those remaining payments plus XXXX required disposition fee of {$390.00}. Total amount paid to XXXX XXXX {$3500.00} on XX/XX/XXXX. Myself, my husband as well as XXXX XXXX XXXX XXXX contacted XXXX multiple times to let them know the payment is made, this is a dealer lease buy out and the location of the vehicle. XXXX acknowledges they received payment however failed to properly apply it to my account and the account continues to stay in past due/delinquent status. Their customer service representatives never have any idea of what is going on with the account why it is saying past due or what steps should be taken. My husband and I take a next step and contact XXXX office of the president which I believe is nothing more than the customer service center of XXXX XXXX, Who promise to assist me to clear everything up and apply the funds to my account and that there would be absolutely no negative credit reporting as it was an error on their part and on the part of their accounting department. The issue however was not cleared up and on XX/XX/XXXX my account status still stated past due/delinquent although my account balance was {$0.00}. XXXX further went on to report this false negative information on my credit report as past due-early lease termination when In fact they acknowledge via phone that it is a dealer lease buy out, I have no past due payments and my account balance is {$0.00}. I contacted them once I saw this negative credit reporting and again they promised to remove the information off my credit report but now instead of the accounting department they blame their reporting department. When I asked to speak to this reporting department they informed me that this department has no telephones, emails only I then asked for the email, they refused to give it to me. This company has very faulty business practices, they lie and they steal from their consumers to make more profit. There are many consumers with the same or similar complaints against this company from what I have read. They need to be investigated for their practices. Their customer service representatives are improperly trained and have absolutely no knowledge of the companies policies, they provide inaccurate and deceitful information. The resolution I would like is for XXXX to remove all the negative information off of my credit report because it is false and it violates my rights as a consumer to fair credit reporting. They said they would update the information on my credit report but I no longer have any trust in them nor do they give me any reason to believe they will actually do what they promise, because once again even almost 40 days after receiving the payment in full when I check my account status on their website is still states past due/delinquent please help me resolve this issue. If needed I can also provide a copy of the check XXXX received from XXXX XXXX XXXX XXXX and a letter from XXXX XXXX dated XX/XX/XXXX called a lease fulfillment letter in which they acknowledge that all the payments in regards to my account are paid in full. Thank you for your time.
|
| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Loan contract for my car ended XX/XX/XXXX. For 16 months which is 1 year and 4 months. I paid {$480.00} every month, which equals XXXX. I will send the money cashier check from the XXXX XXXX XXXX XXXX signature requested overnight through XXXX. I have tried numerous times including with a paid lawyer how to settle this balance. Santander offered to lawyer I can modify the contract to 7yr with 6 % interest rate at payments for {$480.00} to pay off the XXXX. In XX/XX/XXXX my balance was XXXX. When my contract ended XX/XX/XXXX it was XXXX. We are in XX/XX/XXXX its at XXXX. I have called Santanders up until XX/XX/XXXX. I was told it was not in repo status. If my contract ended how did I go from 24 % to 6 % with no contract? It's just a balance at this point. I have been paying the regular payment for 1 year and 4 months after the contract. Because Santander way makes no sense for me to lock myself into 6 % with a payment plan taking another XXXX plus XXXX with no contract Also reporting XXXX late on all 3 credit history every month. Im still paying monthly payments. The balance of XXXX is not going down. Santander is getting ready to write off at 120days and repo. Why would I need to do a contract with 6 % when they should have just set up a monthly payment. XXXX. Why is the balance XXXX XXXX. Where is my 1yr four months payment? Santander reported XXXX to all 3 credit bureau in bad standing then good standing bad standing. Santander would not let me set up a payment plan without 6 % interest or nor change payment. Santander want to keep it at {$480.00}. How can you do that with no contract? Santander reported to all credit companies my last payment was XX/XX/XXXX. How when you received the 1 year and four months of payments passed the contract ended. Where did the XXXX go? Why are you still charging interest on a contract that ended XX/XX/XXXX? If Im responsible for the charge-off and Santanders can put a lien on the title, why did they put a lien on the title for {$11000.00} when I was paying them for a whole year and four months? When did Santander charge-off this account? When I did my disputes to all 3credit reports I had contacted Santander a week prior and the account was not in charge-off nor in repo status. When I spoke to the executive office representative kept saying it was an interest day loan. I said how is this an interest per day loan with no contract. The contract ended a year ago XX/XX/XXXX. If SANTANDER sold my account to a creditor the amount for the charge-off is incorrect. For 6years and 8day I have requested numerous times for my account to be audited for the XXXX purchase of the car to XX/XX/XXXX. I sent numerous letters to the legal dept asking to audit my account. I asked for numerous supervisors and was told by several representatives that they were going to email the executive office. I have been locked out of my online account and all my calls are going straight to the executive office instead of the regular customer service. I called XX/XX/XXXX after a dispute was place to all 3 credit bureaus. My calls are going to the lost department. I even requested XX/XX/XXXX with my cousin on the line to fly to the corporate office to sit down to speak to someone face to face. I was told XX/XX/XXXX that there was no one that I could speak to face to face. Last payment was XXXX. What Santander reported for this charge off is incorrect.
|
| 11/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2020 I do not believe that a PAID CHARGE OFF rating on this account is fair, nor reasonable. First of all, it was a secured loan. There were periods when I was constantly late while I worked through serious medical problems and could not work. I was always in touch with the creditor and the vehicle was never repossessed. The legal timeline for the removal of this account is quickly approaching. Until that time, I believe that the proper reading on all pertinent credit reports should be simply PAID, with all previous payment history deleted.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX
|
| 04/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am asking that CFPB acts as a liaison in this matter. I am in a great distress financially, mentally & emotionally with my contract between Santander Consumer USA and myself. When I purchased my car back in XXXX of XXXX my credit score was in the XXXX 's ( due to a XXXX ). Currently my credit score is above XXXX. I purchased this car with the intentions of re building my credit worthiness. Consequently this decision to re build my credit with Santander backfired. I am upside down on my car loan. I owe more than what is worth. Per Santander my account balance is {$11000.00} but the pay off amount is {$13000.00} because of late payments and fees. Per the contract all of my payments have been applied towards interest first for almost XXXX years now. The contract states I will end up paying {$27000.00}. My vehicle is a XXXX XXXX XXXX XXXX with over XXXX miles. It is currently valued at {$2500.00} for a trade in. As of XXXX of XXXX I have been trying to re finance my car loan for a lower interest rate with other banks to no avail. Santander 's interest rate is XXXX. I tried to re finance my car with Santander but they refused to work with me although they offer loans to consumers with poor credit & good credit but does n't offer refinance options ( Santander advertises that they strive to work with their customers ). So far this advertisement is false, inaccurate and misleading. Recently XXXX XXXX declined my car loan application not because of my credit but because of the worth of the car. I am asking for a high loan and the car is not worth it ( attached an email correspondence from XXXX XXXX ). The only company that can help if WILLING is my own finance company Santander. Since in possession of my car I have spent over {$6000.00} in car repairs out my own pockets and {$7500.00} has been paid through my insurance company. In total repairs of my car throughout the past XXXX years has been {$13000.00} ( the car was sold at {$13000.00} before finance charges ). Total money invested to date including car payments and repairs is {$26000.00} out of pocket not including the work XXXX XXXX from XXXX, CA performed on my vehicle due to a RECALL. I still have a remaining amount of {$13000.00} owed to Santander. If I were to pay off the car today a total of at least {$40000.00} will be invested on this vehicle which is farce. This is an injustice to any hard working citizen like me. I have taken all steps necessary to prevent litigation and filing a complaint with the XXXX against Santander who offered me a high interest rate for having poor credit back in XXXX and causing me to have emotional & financial distress. Back in XXXX I paid over {$600.00} to fix the XXXX. On XXXX XXXX, XXXX I paid for XXXX ( receipt attached ) .The following still needs to be repaired on my car : XXXX need to be replaced ; XXXX need to be replaced. Although there is a contract between myself & Santander I am aware that the contract can be disputed through litigation. My next course of action depends on Santander 's response. In addition Santander has been adding more distress to my situation by reporting my late payments to my credit report and lowering my score preventing me from continuing to rebuild my credit worthiness. Late & deferred payments are due to out of pocket car repairs which has prevented me from being on time. Santander is far from working with their customers.
|
| 05/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I sold a vehicle, that was financed by Santander Consumer USA, on XX/XX/2020. At the time of the sale of the vehicle, the XX/XX/2020 payment was due. Santander Consumer USA received the payoff for the vehicle on XX/XX/2020. The payoff amount included the payment that would have been made for XX/XX/2020. On XX/XX/2020, Santander Consumer USA reported a 30-day delinquency to the three major credit bureaus : XXXX, XXXX and XXXX.
After many phone calls and submitting a dispute to the credit dispute center for Santander Consumer USA, I was able to talk to XXXX on XX/XX/2020. During the phone call, XXXX offered to review my account to track a refund from the GAP coverage on the vehicle and to review payment history in an attempt to find why the delinquency was reported. After reviewing the account, XXXX informed me of what I knew, there were no delinquent payments in the 25 months that Santander Consumer USA serviced the loan. XXXX went on to inform me that the company reports from month beginning to month end, which I was already aware of. A 30-day delinquency is reported if the account is not satisfied with a payment during a given month, not from due date to due date. XXXX then went on to admit to and to apologize " for a mistake that Santander made '' and promised to escalate my complaint.
I did not receive a call from the Executive Office at Santander, as promised, so I called back to the company on XX/XX/2020. The CSR, who answered my call, escalated my call right away after hearing my concerns. XXXX, in the Executive Office at Santander, addressed my concerns and reviewed my account. After reviewing my account, XXXX confirmed what XXXX ( on XX/XX/2020 ) told me : my account had never been delinquent and that credit reporting at Santander is based on month beginning to month end, and that my account did not qualify for a 30-day delinquency. XXXX assigned a case manager, XXXX XXXX, to my complaint.
XXXX XXXX contacted me via phone on XX/XX/2020. Mr. XXXX informed me that he had tracked the " missing '' refund and I informed him that I received the refund on XX/XX/2020 in the form of a debit card. I asked Mr. XXXX about the credit report and he stated that " the credit bureaus would not allow us [ Santander ] to report as we would have had your loan not been paid off in XXXX. We had to report based on due date to due date, and because you were just over 30 days late, we reported a 30-day delinquency. '' I informed Mr. XXXX that in addition to being advised contrary to what he stated at the time I sold the vehicle AND having been advised contrary to what he stated by two Santander Consumer USA staff, what he stated was not true. Mr. XXXX then went on to ask me to have the dealership, who purchased the vehicle that I sold, to take the blame and submit a letter to him by XX/XX/2020 stating that I was ill-advised by one of their personnel. Mr. XXXX promised that he would then correct the delinquency for XX/XX/2020 reported by Santander Consumer USA.
I have consulted with a consumer attorney to clarify what was the correct way for Santander Consumer USA to report on my account, and I have been advised that the credit reporting period is indeed from month beginning to month end, regardless of when the vehicle is paid off. This rule does not change because of a payoff and Santander Consumer USA should not have reported a 30-day delinquency.
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed {$38000.00} with Santander Consumer USA. I have paid Santander Consumer USA a total of {$39000.00} through XX/XX/XXXX. Please see the attached payment history from Santander.
I believe Santander is engaging in Tax Fraud and XXXX credit is assisting them in getting away with it.
Even though I have proof of all payments I made to Santander and even a payment history report from Santander they refuse to acknowledge these payments with the Credit Bureaus. I have disputed this with XXXX Credit 3 times but they refuse to correct the information because Santander continues to reply to my disputes stating these payments were never received. I am not alone here, a close friend who also obtained a loan from Santander is going through the exact same thing trying to get the credit bureaus to acknowledge payments that she has paid to Santander which they continue to dispute as well.
My credit report with XXXX first stated my Balance on XX/XX/XXXX was {$38000.00} and charged off. My Santander payment report stated only {$22000.00} was charged off. That's quite a big difference. You would think they would just correct it after 3 separate attempts to dispute it with XXXX but Santander still continues to lie and the best I could get finally get them to admit to was that they charged off {$26000.00} after numerous attempts with XXXX to get them to correct it. Why not just tell the truth especially when there is a paper trail disputing otherwise. Imagine the thousands of people they are doing this to and the tax fraud this could add up to. XXXX is nothing more than an enabler to assist Santander in tax fraud.
Santander profited greatly by approving my high-cost loan. Because of their abusive business practices I was doomed from the start. Their predatory loan practices cost me my job, and destroyed my credit. To collect every month on their abusive high-cost loan they harassed me on my job sometimes calling three to four times a day. Not only distracting but embarrassing.
They even Reported my car to the credit bureaus as a charge off and never informed me so I could never refinance it with any other lender. In spite of this they still continued to harass me and collect monthly payments and never reported these payments to any of the credit bureaus.
Santander was ordered to provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. They still continue to lie and submit false information to credit bureaus and abuse consumers without as of yet paying one cent to consumers.
Santander was also required to waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander. I dont think they have waived any deficiency balances and have only lied and provided false info to credit bureaus that innocent consumers owe larger amounts that they actually do so they could take write offs for this fraudulent amount. Santander Destroyed my credit, cost me my job, collected nearly 40 grand from me and up until I am still fighting with them to acknowledge payments I made with the credit bureaus.
Santander Bank is no stranger to tax fraud and was linked to a major tax evasion scheme in XXXX in XXXX and XXXX.
|
| 08/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
My mother purchased a XXXX XXXX XXXX from a dealership XX/XX/XXXX. In XX/XX/XXXX, my mom had a XXXX. While we are optimistic about her health outcomes, it is unlikely she will drive again ; certainly not in the next 12 months. I invoked POA authority over my mom 's affairs and while helping my mom with her finances post-XXXX, the car loan became a problem. This loan is at 14.5 % interest and of her $ XXXX/month car payment, only {$180.00} goes to principle. So $ XXXX/mon is interest payments! All things considered, I believe these terms to be predatory. My mom may have thought she could afford this while she was working and able to drivXXXX, but now she is on SSI & XXXX. Car insurance is another $ XXXX/mon. That's almost $ XXXX/month that we could channel into directly caring for her in her time of need.
I started the process of selling the car in XXXX while on FMLA to help my mom. The dealership offered {$15000.00} for the car. We are canceling the extending warranty and gap coverage, which could be an additional {$3000.00} toward paying off the loan. On a loan balance of over {$23000.00}, there is about {$4000.00} my mom doesn't have to hand over immediately, but we wish to make a payment arrangement of monthly installments. I've called the lending institution 6 times to make arrangements, but they refuse to negotiate fairly and release the title to a buyer unless the entire loan is paid in full. The bank 's proposal is voluntary surrender where my mom pays for the car to be auctioned off. They have no guarantee what the car will go for at auction and my mom still doesn't have $ 4000+ to hand over for the title to be released.
I believe that XXXX XXXX is refusing to negotiate in good faith and is engaging in unfair, abusive, and deceptive practices. I emailed the bank POA paperwork on XX/XX/XXXX to begin the process. I've talked to 6 agents and no one can explain to me why they will release the title in an auction from voluntary surrender, but not if we sell the car it back to the dealership. The title wouldn't even technically trade hands until a 3rd party buyer purchases it, as far as I understand car titling since it is a XXXX dealership.
After my 4th conversation with them on XX/XX/XXXX, they violated the TCPA by calling me XXXX at XXXX XXXX after I specifically instructed them to not call before XXXX XXXX mountain time. An " Office of the Executive '' representative called and told me my only option was a voluntary surrender unless we could pay the loan off in full. Considering the timing and the nature of the call, I feel that this was illegal harassment and have filed a complaint with the FCC.
Feeling defeated, I called them a 10th time on XX/XX/XXXX to voluntarily surrender the vehicle. I'm back home in XXXX now, my mom & the car are in Wisconsin. I was told I had to talk to a different department and someone would call me back that day. No one called, so I called again XX/XX/XXXX. The agent on the phone said he couldn't find any POA paperwork and it would take another 2-3 business days before I could surrender the vehicle.
In summary, they deceptively issued a predatory loan to my mother, treated me unfairly, and deceptively when I attempted to negotiate in good faith, conveniently lost legal documents, and engaged in abusive harassment by calling me outside of hours I specified and which are legally mandated.
|
| 05/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
On XXXX XXXX, XXXX, I went to XXXX in XXXX, XXXX, to turn in a current lease with XXXX XXXX for a new XXXX lease through Chrysler Capital. Once I selected the vehicle that I wanted, I was quoted at {$47000.00} for the value of the vehicle, which I thought was fair. The sales representative submitted all of my information with the Finance team and after four hours of waiting I was told that Chrysler Capital wanted to charge me {$39000.00} on a 36 month lease, or {$1100.00} per month. I was appalled and could not understand why they were trying to charge me almost XXXX % the value of the vehicle on a lease. This car would have been my third lease in the past six years and I have never been charged more than half the value of the vehicle in a lease. I have also never been late on a car payment in any of the XXXX vehicles that I have both purchased and leased in the past 11 years. They kept trying to pressure me to put money down on the vehicle to lessen the payments, but the final asking price of {$39000.00} would have remained the same. I explained that I could show other sources of income if money were the issue. The Finance officer told me that Chrysler Capital was not concerned with how much money I made.
My credit score is XXXX and my gross salary is {$92000.00} per year. I researched the national average for credit scores in the United States and it is XXXX. My mortgage is {$1700.00}, which my fiance assists with paying it. We are currently customers with Chrysler Capital after purchasing a XXXX used XXXX vehicle just three months prior. So I was unclear on why they were giving me an unfair price considering I am a returning customer. We purchased the vehicle for close to {$30000.00} and our monthly payments are roughly $ XXXX per month through Chrysler Capital XXXX I explained to the dealership that I had in the past week dropped {$13000.00} cash to pay off all of my credit cards and I could pull up accounts to show the XXXX balance because that was not being factored into my credit score at the time. The Finance officer was not interested and continued to tell me that Chrysler Capital was not willing to come down on the {$1100.00} per month for the lease. I was there to turn in a XXXX Ford Fusion that had a {$33000.00} value at the time of leasing and currently only has XXXX miles on it, well below the allowed XXXX miles per year. My monthly payment for this lease is {$420.00} per month. After doing the math on the Ford Fusion in comparison with the new lease at XXXX and pulling up estimates online, Chrysler Capital should have charged me no more than {$600.00} per month for a 36 month lease at XXXX miles per year on a {$47000.00} car.
I was at the dealership alone and can not help but think that maybe my sex and race played a factor in being given an unfair and very high loan amount. I am an XXXX woman and a military veteran. In the past, I have been given discounts at dealerships when leasing vehicles on account of being a military veteran and XXXX at the time of purchase while showing pay stubs of {$42000.00} gross income. Today those past, good car buying experiences were overshadowed by unfair lending practices exhibited by Chrysler Capital. It was embarrassing and I am unsure of how to turn in my current vehicle to obtain a new lease when the lease is up on this vehicle without experiencing unfair lending practices.
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a paper dispute to XXXX, XXXX, and XXXX via certified mail about the account on my reports, XXXX XXXX on XX/XX/XXXX. I've disputed many times online between XXXX and XXXX with the bureaus and the company. I have requested for the contract I signed to be sent to my home via US mail so that I may verify this account. Dispute results always state the information has been verified with the bureau by the company. I still have not received any documents which I've requested. The account is showing on my credit reports as current. It shows " Paid '' account status on the XXXX and XXXX reports and " closed '' on the XXXX report, but all reports show that payment status is current. How can a closed/paid account status be current when there have been no payments? I have no knowledge of this account and I have not verified the account.
Santander/Chrysler Cap is on my XXXX and XXXX credit reports. The previous amounts owed and initial contact amounts are unverified. Santander has a class action lawsuit filed for predatory and deceptive practices with customers. I have never signed any contracts with Santander. I have disputed the accuracy of the account and the amount owed between XXXX and XXXX online and via US mail with bureaus and the company. Nothing has ever been sent to my home to verify this debt. This debt was included in a XXXX XXXX bankruptcy file on XX/XX/XXXX and discharged on XX/XX/XXXX. All other accounts included and this bankruptcy have been removed from my credit reports but this account remains with inaccurate dates and amounts owed and re-reporting. I still have not received any documents which I've requested. I have not verified the account.
The XXXX XXXX XXXX is reporting to my XXXX report as a derogatory '' collection/charge off, '' My XXXX report as a derogatory " account closed due to transfer. Debtincluded in or is charged through Bankruptcy XXXX XXXX, XXXX. Sold to XXXX XXXX XXXX '', and my XXXX report as Open and " current ''. I have been disputing this account online and via email from XXXX to XXXX with the bureaus and the company. Account statements change, The account changes from open to closed, then closed to open. How can an account that has been discharged in a XXXX XXXX bankruptcy be open and current or have any other description outside of " discharged in XXXX XXXX bankruptcy ''?
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that I be disclosed all the documents that have been recorded and retained in the bureaus/company 's files at the time of my request concerning the accounts that are reporting in my credit reports. If there isn't any documentation in the files to verify the accuracy of the disputed accounts, they should be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these bureaus are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In two years of disputes, the bureaus and companies have been unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed above within 30 days of all my dispute letters/attempts. Therefore, these bureaus must remove these accounts from my credit reports.
|
| 07/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Recent balance {$15000.00} as of XX/XX/XXXX Due to medical costs and care of my XXXX son and myself ( also XXXX ), I Voluntary Surrendered this vehicle, XXXX XXXX XXXX XXXX XXXX, to the lender XX/XX/XXXX. Over the 4 years I had the vehicle, I paid {$3500.00} down a little over {$19000.00} in payments to Santander, also, Santander claims they sold it ( illegally, without proper notice ) at auction for {$3500.00}. Santander financed the vehicle for {$18000.00}. With these calculations, {$22000.00} was paid and they are demanding me to pay XXXX XXXX more, way over the interest percentage of 21 % that Indiana Law allows. I conducted an online chat in which the Santander Customer Rep insisted the interest rate on the vehicle was 27 %, kept the transcript for proof. Just to note, Santander Consumer USA has thousands of complaints and have been sued and ordered to pay millions for predatory lending, charging excessive interest, illegal repossessions, and unfair debt collection practices. Ended with judgments against Santander. Breach of Contract and Violations rendering deficiency of debt invalid. Santander breached the RISC and violated the CLEC by failing to provide sufficient notice before selling my vehicle. Santander failed to formally notify me in writing ( Certified Mail ) of the auctioning of the surrendered XXXX XXXX XXXX XXXX XXXX in XXXX so that I could be present and participated, also have knowledge of the selling price and condition of the vehicle or if private auction, be informed of the date and time. I do not have any information pertaining to the auction price, time and date, nor was I contacted or given documents on the breakdown of the charges on this account in which has risen over {$4000.00} of unknown charges after the vehicle was auctioned off. I am unable to retrieve any statements after numerous attempts requesting them online and verbally. I have included Chat transcripts of conversations I had with them, also screenshots of written notification asking the not to call my cell phone, yet they continued to call ( another violation ). Violation of State Code Indiana Code 26-1-9.1 et. seq. After I disputed the entry on my credit report on XX/XX/XXXX, on XX/XX/XXXXSantander maliciously added more charges to my account after the original Charge Off in XX/XX/XXXX, account went from closed to opened, and updated the day of removal of the debt from the account 2 years later than original removal, XX/XX/XXXX changed to XX/XX/XXXX. I have repeatedly asked for the documents from the auction and for the charges and they refuse to give them to me and removed access to the documents online. I was told by the Santander supervisor, the only paperwork pertaining to the auction they send is Intent to sell, they do not notify customers about the auction of vehicle. Was also told the auction was for dealers only and I did NOT have to be notified. I have tried to resolve this issue with this company, yet they insist on not being reasonable due to the " overseas '' " out of country origin of this company. I need them to understand that when you conduct business in the United States, you have to follow the laws of the United States. I have asked them to solve this problem before it escalates any further, they refused to comply. I am here to fight for my rights, I asked them just to be fair and they laughed in my face.
|
| 01/30/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I contacted Chrysler Financial / Santander to obtain a POA letter to register my XXXX XXXX XXXX XXXX in the new state in which I'm residing. I had to move as I was a victim of XXXX XXXX and my old partner can not know where I am primarily for safety concerns. The representative requested my new address and information. I was hesitant in providing it for fear that it would not be safe guarded. I was told he had to have it. I asked that he put notes or something on the account to indicate this information is not be shared to anyone and should not be repeated or given out over the phone. He said it would be against their policy as their policy states that they would need to ask the caller to verify the info and not provide the information.
I did not receive the requested information in the time that I had requested it and called back. The representative i spoke with confirmed the request was submitted. I even told him that I told the other guy I didn't want the information to be given out and to make sure that they did not send the letter to my old address as it would contain my new address. The representative then GAVE OUT OVER THE PHONE MY NEW ADDRESS! If i was not the one that was calling or if it was my ex partner, of whom I'm hiding and escaping from could have gotten it! I spoke with a supervisor who stated that the rep was in error and should not have given the information out over the phone.
I reached out via XXXX to express my frustration and was contacted by someone in the Executive Office of Santander / Chrysler Financial. She was awful. After I explained the situation, she barely had any empathy and actually defended the representatives actions in giving out the information in stating that once a person has been verified ( either Year of Birth or Last 4 and the Year/Make/Model of the card ) they're free to release whatever information they have on the account as long as they can see it. I confirmed if this included Personal Identifiable Information ( PII ) and she stated YES. Every company I have dealt with, have stated that they need the information verified and would not give out unless it was verified by the caller first Meaning - the caller gives the address - then they say yes or no. Not that they just freely give out any information. I asked her several times on the policy and she said if they could see it, including bank account numbers, social security numbers, email addresses, personal addresses, etc. That I verified that BASIC information that someone from the street could get - they would give out any of my PII!!!!!!!!!!!!!!!!!!
I asked her to read my social security number. She said she could see it. I asked her to give it to me. She hesitated -- knowing she was wrong. She talked and backed herself in to a corner. She was so determined to defend that associate 's action versus accepting responsibility on something - that she didn't know what to do at that point. So she did nothing.
I asked to have my concerns escalated.
I now have to take additional steps to find NEW housing since my information, which should have had appropriate steps taken to protect, is at risk. My safety has now been compromised by this company and plus now, I have to obtain a new vehicle with a company that values privacy and takes steps and enforces policies to protect their consumers identity and safety.
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX an shady Loan company Chrysler Capital aka Santander Consumer USA coordinated with a shady car dealership in XXXX, Tx and allowed the sale of a car to a person, even after I contacted them to not allowed any transactions in my name.I made it very clear that I do not live in XXXX, Texas, which The shady loan company knew, because of the phone calls and letters they sent to my XXXX, Texas XXXX trying to solicit the XXXX have been the victim of multiple company security breaches since XXXX, and again in XXXX, with letters from the companies to prove it.I have sent XXXX XXXX XXXX XXXX XXXX Santander Consumer USA several forms and documents to prove my claim of fraud.They were to send me forms for fraud and did not send them at all.After which I received a letter from them stating that since the documents I sent didn't prove anything, the claim is valid, even though I never had the chance to send them any forms or documents, until I later contacted Santander Consumer USA directly to try and get to the root of this issue.I was told not to contact local court judge, and ignore any court documents, because they were just formalities in the process, since my claim is to be investigated.To my surprise The judge has ordered a decision in the companies favor, for me to pay {$8600.00} and court costs of {$130.00}, for something that has nothing to do with me at all.It is my fault for not contacting the judge, even though I was told not to worry about anything by representaives.Santander USA has been recently sued by several State attorney general offices for this same type of shady loan practices, involving shady dealerships and getting loans approved for persons that don't qualify for them, or are most likely to default on them.According to online article they are to pay people back for all of the costs, that people are having to endure, as a result of their shady tactics.There are several complaints against this company on the XXXX website with complaints very similar to my own.I should not be going through any of this garbage.I have been a XXXX man since XXXX, with severe neuropathy issues, along with anxiety issues, and all of this has caused my conditions to become complicated at times.There is no way that I would ever be qualify for a {$24000.00} auto loan.I was even asked by Santander representative if I ever lived at a certain XXXX, Texas address, and have a son that is a junior, to which I stated to him no, I have been in XXXX, Texas since XXXX, and no son of mine has such a name.The representative has my XXXX phone number on file, and has been sending me letters here in XXXX, XXXX, yet can't assess the facts of where I have been living.Just plain ridiculous and insulting to my intelligence.They should have never allowed any of this happen, and now they are trying to make people such as myself into something we're not, in order to help pay for their crimes.I have reported this to Texas Attorney General 's office recently, and the XXXX XXXX XXXX back in XXXX, in which a letter was sent to the dealership about the whole issue threatening to fine, among other things, them if they didn't stop with their shady tactics.I have to find out 4 years later that someone was allowed to purchase the car anyway without my consent.This is unacceptable, and these type of businesses should be closed permanently.
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ongoing issue w/ previous CFPB complaints. Chrysler won't answer the actual question/issue, but instead goes back to their talk track.
Chrysler Capital is out and out lying and I can prove it in a variety of ways. In their response they claim no records of anything, but also won't answer any questions and have NEVER called me back despite multiple attempts. How do you even explain that let alone allow it to happen as the CFPB or even as Chyrsler Cap. Multiple messages to XXXX XXXX ( 2x ) along with other reps saying they would put in a ticket to " research my technology questions and someone will get back to me. '' Furthermore, all anyone needs to do is listen to the call I had with the rep XXXX XXXX XXXX from the executive office in which she said many ridiculous things, but chief amongst them was telling me I should have known I wasn't enrolled successfully in auto-pay because I didn't get a confirmation email. Obviously ridiculous because you don't know to expect something if they don't say it ( which it doesn't in the online portal ), however here is the absolute indisputable fact. According to Chrysler Capital 's own response to the previous complaints in this chain they note I have now enrolled in auto-pay. Well. I didn't get a confirmation email ... have them produce one. Have them show in ANY manner something they are saying is actual accurate. Have them produce said email - have them show the code, have them show the sent tracking, receipt, click through, etc ... ... ... ... ... ... ..ANYTHING other than them just saying over and over again they aren't at fault. Pretty easy to say you aren't at fault when you don't answer any questions. So, again, XXXX stated multiple times I was at fault because I didn't get the confirmation email stating I was auto-enrolled as if that was the deal breaker. She said if I could produce that email this would all go away ... fast forward to now and one of two things is factual : 1. XXXX/others/CCap are absolute liars and are perpetuating a fraud or a faulty system. My own banker at XXXX XXXX said she is well aware of Chrysler Capital " issues. '' 2. XXXX/CCap is truthful and this is proof their system DOES NOT operate how they think or say it does which means my " story '' checks out yet again and it is not something I did, but rather their system got wrong.
Listen to the call, it's about an hour - only one time I spoke to XXXX in the executive office from ph # XXXX ... I listen to calls all day and am in finance, this is a call the CFPB should listen to. She clearly states I should have this confirmation if I successfully enrolled. Now, Chrysler is saying I successfully enrolled themselves even, yet this one elusive email that would prove my statement doesn't exist still. Very convenient.
No statement or regurgitation of their random facts around this issue can take from the point. They can not prove or even somewhat justify their handling of this issue and previously said I would have to " subpoena '' what I am asking for ... odd path to go down if you are truly looking to " help '' figure something out. Also, they can not produce any of the mail they state I got, have my email, etc. - just a very convenient story all around on their part.
Simply state - they are absolutely caught dead to rights now and only one of the two options above are logical.
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX, I financed a car through Chrysler capital, I paid about 60 % cash and the rest financed.
During XXXX, i made more payments than required, because i wanted to close the loan faster.
In XXXX i spoke with the representative of the Chrysler Capital and agree that the extra payments I did during XXXX to be counted for XXXX, for XXXX and XXXX.
In XXXX I received a payment due notification.I called them and asked again to calculate the payments i did during XXXX for XXXX.
On the same time, i saw that my bank XXXX XXXX, had submit the payments for XXXX and XXXX.
I asked them to cancel and stop auto pay payments, because i had done them from a different account.
In XX/XX/XXXX i received a notification of a credit decrease.
The Auto Loan, reported twice delinquent accounts for non payments causing me a score decrease of about 60point.
I called them in XXXX and I explained them that I was sick and infected by the covid-19. I told them that i had made the payments before and need to recalculate the payments i had done in the past. On the same time I requested to postpone the payments from XXXX to XXXX because I was Sick and wasn't able to work.
They promised that they will do it if i make 2 payments for XXXX and XXXX.
I did that.
On XXXX I got again Notifications for past due account.
I called and asked again to fix this problem. They promised that they will do it again.
If I make the payments for XXXX and XXXX. I made again 2 payments in order not to cause again a problem and report a non payment. I paid 2 rates on XXXX again and the XXXX rate. They promised again that they will postpone the payments, but again they didn't. Every time I call, they blame somebody else, but the one who is paying and suffering from their mistakes is only me.
On XXXX they sent me again a past due notification.
I called again and asked for clarifications.
Again the same story, they say sorry that is a Mistake on the system and the system doesn't allow them to make changes if i don't bring the account current. I payed again in order not to suffer again from their mistakes.
I ask them to notify the credit reporting agencies for their mistakes and fix the credit score they damaged.They promised. Next day I get a Call that requires more info.
I ask them to send me all their questions per e-mail or mail in order to have a proof and to respond them electronically.They denied that as well.
Next day someone calls me, who refused again to send me an email.
He provided me only a fax number to send him the documents which prove that i have done much more payments that i had too.
From XX/XX/XXXX to XX/XX/XXXX i had to do 13 payments. In their webpage ( Chrysler capital ) there are all the payments listed with dates and amount.
There are 21 payments done until now.
In top of that they have charged me also late payment fees.
All this i guess is because they try to keep their customers bounded in order not to be able to refinance the car by another credit institute.
Because of the credit score decrease, i got declined for different inquiries for 3 months, including a new apartment lease and a car refinancing institute.
I have tried to fix this problem with the credit report companies XXXX, XXXX and XXXX, providing them all the statements that i have not a missed payments but they denied to fix the report.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I write to request your bureaus assistance in correcting anomalies in Santander USAs reporting of my auto loan credit account which was recently closed.
On XX/XX/XXXX, I sought and was approved for refinancing through XXXX XXXX for my auto loan with Santander USA which i had opened since XXXX. Through several telephone conversations between that date and XX/XX/XXXX, i corresponded this fact to several different Santander USA customer service agents and informed them, that they should be receiving communication from XXXX XXXX in short order with payment to close my account with them. While Santanders agents acknowledged that they did see the payoff request from XXXX on file, they did point out that until they actually receive payment, i was ultimately responsible for the outstanding balance until paid in full. I contacted XXXX XXXX and encouraged them to expedite payment to Santander since i did not want my credit to be negatively impacted. The sales manager a XXXX of XXXX, XXXX XXXX, indicated that payment was submitted to Santander USA on XX/XX/XXXX and even provided a direct telephone number and requested that i forward same to Santander USA, so that they may contact him to expedite proceedings. All this was provided to Santander. On XX/XX/XXXX, Santander USA reported my account as being 60 days late, resulting in a 35 point drop in my credit score and tarnishing my perfect 100 % payment history.
I called Santander, but was told they no longer had a credit reporting or resolution department and the regular customer service agents provided no recourse. I then contacted XXXX and XXXX and filed a dispute on the basis that my new auto loan with XXXX XXXX had been reflecting on my credit report since XX/XX/XXXX with a total that included the amount that was still outstanding to Santander USA, which was also still being reflected on my report as being outstanding at the same time. My question then and still now is ; why would a financial institution report me as being late, when at no point did the payoff amount had to go through me to pay to the previous vendor? This was simply a business to business transaction that should not have affected me, the customer unless one party refused to pay the other.
When the results of the disputes arrived, I realized that not only had Santander USA refused to reverse the recent late reported payment, but they also resubmitted a late payment submission from XXXX of XXXX that i had disputed through the CFPB and which you had rectified.
This has led to my on time payment history with Santander USA now being reflected as 85 %, down from 100 %. According to XXXX, even though this account is now closed, given that this has been the credit account that i have held the longest this far, it will remain an integral part of my credit worthiness going forward for the next foreseeable 7 years.
To think that i took all the precautions and did all i could in both these situations to be a responsible consumer, it just isnt sitting well with me that this is the end result. I ask that your bureau reach out to the individual credit reporting bureaus and Santander USA, to have them review the details of Santander USAs reporting of my account and effect any possible positive changes, so that my future credit worthiness isnt negatively impacted.
Sincere Regards, XXXX XXXX.
|
| 02/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In the process of refinancing my loan I ended up canceling my Gap insurance. The check was sent directly to Chrysler Capital so when I got the check to pay the loan off it was more than what was due. When I logged into my account it didn't show the full payment that I made s ( XXXX ) and that I overpaid {$890.00}, it only said I paid {$40000.00} so I called to see what was going on XX/XX/XXXX after mailing my payment XX/XX/XXXX. The woman I spoke to said that they would not issue my refund for 30 days to ensure that the check was clear. I expressed my issue with that, because it doesn't take 30 days for a check to clear. She said that she would send it to the accounting department to see if I could get it sooner. I then got a call back from someone in the Executive Department on XX/XX/XXXX reiterating what the first lady said and that this was a new rule that had just come down the pipe line. I repeated that it was not acceptable and I would need my money refunded sooner or are they planning to pay me interest on the money they are holding of mine, since when I owed them money they charged me daily. She told me they would not. I requested a copy of the policy that stated this was the rule because it was not in the terms and conditions of the loan I signed nor was I given any notice of the change and she told me that they weren't obligated to do so. At that point I requested to speak to someone above her. She stated that she would escalate my complaint. On XX/XX/XXXX the same lady called me back and said that they were able to release it on XX/XX/XXXX ( somewhere close to that I can't remember the exact date ). I advised that this was not acceptable to me because it does not take that long for a check to clear and that I needed to speak to a higher authority and she told me she would escalate it. Later on that same afternoon ( XX/XX/XXXX ) I got a call from someone else in the executive department that basically said the same thing as everyone else and that they would not release my money until XX/XX/XXXX and explained why. I explained that while I understand the check needs to clear it doesn't take that long for a check to clear and it seemed like a simple solution to just call the bank the check was drawn on to verify the check has cleared and release my money and that their business practice is extremely deceptive. I again asked for a copy of the policy and was told that either way the policy doesn't state when they have to release my money. I then asked who was above him for me to speak with. He informed me that, that would be the legal department and they only speak with attorneys so if I didn't have an attorney all that would happen is that it would get routed back to the executive office which is who I have already been dealing with. When I pointed out yet another deceptive business practice, when plenty of people represent themselves, he just repeated that my attorney could contact the legal department by fax or mail only.
This is unacceptable to me. I did not agree to my money be held unnecessarily, it is nowhere in the terms and conditions or any other correspondence I've received from Chrysler Capital. Then the only recourse is to get an attorney is not ok and I'm not about to sit by and let them hold my money for free, while I'm being charged everyday by my new finance company for it.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I bought a car from a dealer with my then-husband ( XXXX XXXX ) back in XX/XX/XXXX. The vehicle was a XXXX XXXX XXXX. The purchase price was approximately {$19000.00}.
We paid {$3000.00} down payment, but were also sold a warranty. The APR was told to us to be 11 %. The finance company that held the loan sold to us was Santander. We made payments on that vehicle for many years. Once a payment was misapplied to someone else 's account. That problem was rectified, but the company never corrected our credit reports to reflect the proper payment.
As time wore on, my husband left the family when I was XXXX XXXX XXXX XXXX XXXX - and eventually we divorced. He left the vehicle with me and I assumed payments on my own. I needed the vehicle as it was large and we had XXXX children with XXXX XXXX XXXX XXXX XXXX.
Things went from bad to worse and I struggled to make the payments. Several times Santander allowed me to skip a month 's payment. My husband filed bankruptcy as he ceased paying the mortgage on our marital home per support settlement around XX/XX/XXXX. He filed Chapter XXXX. He put the vehicle into the bankruptcy because we did not want to have any accounts open with both of us on them anymore, years after our divorce.
He did not follow through with the terms of the bankruptcy and allowed his case to be dismissed. Not once but twice. After I learned of the second dismissal, I called Santander to resume payments. They had not received notice of the dismissal and told me there was " no account on which to pay. '' Many months go by. Thankfully, I had the foresight last spring XX/XX/XXXX to buy another vehicle for the children and myself.
Santander finally realized the bankruptcy had been dismissed sometime around XX/XX/XXXX. They called and demanded {$7000.00} of me to keep the vehicle and keep the account in good standing. I tried to fulfill their wishes by taking out a loan. I was well qualified for a loan. However, the year of the vehicle was too old to borrow against. The vehicle 's value was nowhere close to {$7000.00}. I believe at the time XXXX XXXX XXXX gave me a value of approx. {$2500.00}.
So, I attempted to sell the car to another buyer for the {$7000.00} hoping it was worth that on a private sale. I put money into the cleaning, maintenance, and upgrade of a few things for sale. Santander forbid me to do so and said the " deal '' was for me only.
Eventually they came and repossessed the vehicle. I had no other options to rectify the account. They told me they would sell the vehicle at auction and let me know of my obligation on the balance due. The vehicle sold for nearly nothing at auction. We owe close to the purchase price paid in XX/XX/XXXX! Something is very wrong with their accounting practices, interest compounding, SOMETHING. I have the entire history of payments with Santander. The starting balance owed was {$19000.00}.
The ending balance after 7 YEARS of payments is {$15000.00}. Please help us get out from under this account and this debt. I have applied as a XXXX XXXX working with the XXXX XXXX XXXX or the XXXX XXXX - and credit ratings are a definite factor! Also, my ex-husband has since been in a lot of legal trouble and has not been paying child support, so the chances of him contributing half to the amount due and owing is slim to none.
Thank you, XXXX XXXX
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
Around XX/XX/XXXX ... I recently reviewed my credit report and noticed XXXX items that were on my credit report. I reached out to the credit reporting agencies by phone in XX/XX/XXXX and certified mail shortly thereafter I started this process in the year XXXX only to receive reports with what appeared to be updated information. I then begin to do my due diligence to call XXXX XXXX a collection agency asking where did they get my information from the agent was very hostile and demanded money. I stated I have no idea who you are and I do not own a vehicle or purchased a vehicle with your agency I asked the agent was this a joke and the agent hung up. I then contacted an attorney only to inquire information the attorney said he could handle this with no problem but try to dispute first. I sent a letter of reinvestigation. I requested a credit report every Monday until this date the collection went away but now I called them back and started asking more questions. I was advised to contact Santander USA about the agency reporting the error in information this was no longer a concern for them. I was baffled and said well I will. I spoke to a gentleman early XX/XX/XXXX and he went round and round with me only to say send a request in writing. I asked him do you have a file or account for me I gave the account number from the report and my social he still stated please submit a written request as we do not see a file for you in our data base. This was during COVID 19 of XXXX and I did not get any information over the phone or by mail. I sent a certified letter on XX/XX/XXXX I yet have not heard from them another letter certified in XX/XX/XXXX four months later.
I am literally going nuts bonkers arguing daily when I asked kindly for information and a letter of proof this burden is causing me a great deal of stress. I also saw a bankruptcy that is reporting I called the bankruptcy court fifteenth times and finally spoke to a Manger name XXXX who stated the bankruptcy court does not give out information to third parties agencies and Please come in person to request any information or contact the attorney I filed with I said lady there is NO ATTORNEY.
I went down to the bankruptcy court on XX/XX/XXXX in person Deputy XXXX who stated you must go on pacers website or go in the big room to file a complaint or search out data base so I did and then I was directed back to the deputy where he gave me a letter of proof that CRA must report 100percent accurate and reveal the process and method to the consumer .... I followed all the process and contacted a attorney and went to a bankruptcy attorney to understand what is the procedure of process. I received valid information now the burden is on the federal agency to conduct, reinvestigate, and govern the CRA accordingly by the FCRA and stop this monopoly game. I reached out to CFPB in XX/XX/XXXX XXXX but the mail did not reached me til late XX/XX/XXXX, I made a call to explain the mail due to COVID the delay I have waited over 60 days to hear a comply from Santander USA XXXX this needs a speedy comply ASAP. The CRA are in business for profit and the agents are in a third world country with very disturbing language hard to understand so I am depending on a English spoken agent to resolve my concerns. The date is XX/XX/XXXX please assist with matter XXXX XXXX
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Letter of Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX TX XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933.
I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing the Credit Reporting Agency XXXX, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft.
There is no Statute of Limitation on fraud. My findings show Fraudulent Activity.
These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit.
I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately.
I was never notified, I never granted permission, I never authorized for my private information to be furnished by the agencies or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights.
I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged.
Congress states the agencies ASSUMED their roles in evaluating consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place to prevent unfair and deceptive methods of practice and Protects me, the Consumer, Natural Person, Individual.
Present to me Proof of any written documents with me giving such authority to furnish my Personal Private information in any instance, Signed and Notarized by your Senior Executive.
I dispute the following Inquiries : XXXX Inquiries XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX CHRYSLER CAPITAL/ SANTANDER ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Remove and Delete from my Consumer Credit Report Immediately
|
| 02/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
In XX/XX/XXXX, I signed an auto loan with Santander Consumer on a XXXX XXXX at a cost of {$19000.00}. I have filed a complaint about Santander before with CFPB but this is a recent matter that was not dealt with previously. My complaint involves the settlement Santander made on a class action with 34 Attorney Generals including Florida which is where I am located and where my loan originated.
The settlement of the class action describes who is eligible to be included in the class. First, I live in one of the included states. Second, my loan originated in XXXX which is within the years covered. Lastly, at the time I applied for the loan, I was in a desperate financial condition as evidenced by : 1. I had been turned down everywhere for a car loan.
2. My wife and I had a small baking business and our regular monthly income consisted only of Social Security with {$1600.00} for me and {$850.00} for my wife.
3. At the time we applied, I was XXXX year sold and my wife was XXXX.
4. I don't recall what I submitted as our monthly income from our business but it wasn't much since we were going month to month. The business closed in XXXX.
5. At that time I was several months past due on my mortgage and in danger of foreclosure.
6 We had another car loan that was 90 days past due and was reposesed shorlty after we got this car.
7. My bureau score at that time was around XXXX and probably lower. I don't know what my wife ' score was but she had no other credit and still doesn't have anything but this.
So I don't know what score Santander gave us but I couldn't imagine it being very good. As I recall, I applied for a smaller amount and was shocked when they said we were approved for {$18000.00}. When I went to pick up the car at XXXX, they said we had to pay the sale tax up front which we didn't have so Santander agreed to raise the approval amount to cover it. So we got the car with XXXX down.
We struggled to make the payments in the first 8 months but we made them by putting off other things. Then a collecter from Santander called and asked if we were having trouble with the payments and offered us an extension for three months. At the time, we thought they were just being helpful but now we realize that they were just delaying the inevitable and piling on extra charge in the process. Without the extension, we would have defaulted and had a reposession. We have had the loan for 7 years now and they have given us 11 extensions. One time they suggested that we pay only 1/2 payments for a year and we took the deal and at the end of that year, our balance had gone up with nothing applied to principle. We have been paying for 7 years on a 6 year loan and we still owe {$12000.00} with three more years to go. During the past 7 years, we had two hurricanes and I developed XXXX XXXX which required XXXX. I am having another major XXXX XXXX next week. We have been 90 days past due 4 times and 60 days 10 times. They ordered reposession 3 times but never went through with it.
I qualify for the settlement but Santander hasn't answered my emails, the XXXX of the settlemt said we should talk to Santander and so did the Florida AG. We have been making the payments recently from the stimulus money but that's coming to an end so we need help. We have technically been in default a dozen or more times.
|
| 03/02/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX/XXXX/XXXX I entered a Lease agreement with Chrysler Capital on a XXXX XXXX XXXX. I leased this vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. After I signed the lease I was asked to come back three more times to sign XXXX more leases. Each time I was told that there was an error and it was not the proper lease agreement. The payment and term stayed the same but some numbers changed. I was told to make my first payment to XXXX XXXX and this payment was included in the money that I put down on the XXXX. In late XXXX I was asked to make the second payment XXXX XXXX XXXX at XXXX XXXX because my paperwork had still not been sorted out. I made the payment and they cashed the check. I then got a call from Chrysler Capital telling me that I was two months behind on my payment. I was very frustrated at that time. I told the representative from Chrysler that I was considering having an attorney look at paperwork because so many mistakes had been made. He asked me if I had an attorney, I said I had a divorce attorney. My divorce had been final only weeks before this. He asked his name of my divorce attorney and I told him. Unknown to me this put me on a list where I was n't to be contacted in ANY way for ANY reason. I had no idea. I was set on autopay and the last payment was taken out XXXX XXXX. The payment comes out of an investment account I do not keep a close eye on. In XXXX my car was repoed. I had no notice. Not a call, letter email-nothing. I was stunned but looked back at the account and realized payments were not being taken out. Chrysler said that they were not allowed to contact me because I threatened them with an attorney. I did not. I simply said I may have an attorney look over paperwork. I said this because I was concerned about fraud. I signed XXXX lease agreements and made XXXX payments that were never applied to my account even though the checks I wrote had been cashed. Also, Chrysler said that phone call in XXXX of XXXX was the last communication that was allowed and they absolutely were not allowed to make ANY further contact which is why I received No late notice or phone call. They say it would have been against company policy to contact me in any way. However, on XXXX XXXX I was sent a letter from Chrysler in regards to my insurance. I switched companies and they were worried it was canceled. I also received a call from Chrysler and I assured them I had only switched insurance companies and gave them all updated information and made sure my insurance company had Chrysler to be paid off in the event of an accident. Chrysler notified me when they were concerned with their own financial investment in the XXXX. They did not contact me when my own financial interest in the XXXX would be effected. They did not mind breaking what they say is " company policy '' when they had something to loose but gave no thought to my interest. This has ruined my credit and caused financial and emotional hardship. I have supporting documents but scanner is broken. I have at least XXXX lease agreements and I believe I have all XXXX. I have late payment statement from Chrysler. I have canceled checks proving I made the first XXXX payments and they cleared. I have letter from Chrysler Capital proving they contacted me regarding insurance. I have other supporting document
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I financed a vehicle through Crysler Capital and XXXX. When I financed the vehicle I went thru hard time and in my first location i could n't find car I need it was so so but the finance percentage was 12 % when my first vehicle was finances with 1.9 %!!!
So I changed my mind because vehicle did n't match my requirements, and I went to another place where I found what I need, my offered Percentage there was higher 18 %!!! I asked if I can pay off right away, they told me yes. That what happened.
Crysler Capital sent me Thank you for financing your bla bla and then I got a Title ( Clean Title ) No lien from XXXX in MD. Unfortunately I am not sharing any of my documents to prevent further fraud that I 'm currently involved in.
After that XXXX and XXXX left an white envelope with hand written on front XXXX XXXX Personal & Confidential. There was a collection letter on plain paper without letterhead. I put a title in mail ( certified ). They got it and disregard all further action as sole and only owner of the vehicle.
They started to call me annoying phone calls, them somenbody scratched my car rear bamper on parking lot, my breaks were crying, my electronics were crazy, its ice on the road when its warm, then oil change, scratch of rear right tire rim, nail in rear right tire, rear sensors were signaling when nobody is in the back, my XXXX made weird sound, loud sound ... i complaint to Regional Office that may be car has defect. They opened case for me but I never showed up for diagnostics because all stopped when I started to complaint everywhere!!!
One day I did n't find my car on the private parking lot, it was towed ... I called to Police they told that vehicle was reposessed and it is civil not criminal and they cant help me. The XXXX XXXX towed the vehicle too far XXXX hr by car to get there.
XXXX in XXXX.
I called to Crysler Capital asked them if they are okay that they prosessed payment and later lost it and nobody knows how it all happened?!
I contacted them with question if they have sick people?! No answerShow payment and that 's allI would stop if I would n't have title and thank you letter in my hands, please obtain those from MVA in MD.
During all that time i went thru harassment, assault, even termination of employment to hire me with compensation of XXXX annuAlly.
Right now Human Resourse coming to me from Crysler Capital or XXXX XXXX ...
They are trying to terminate my employment at the place where I work with different kind of complaints on me, or affecting my health with stressing me out, what I am not suppose to go thru because of XXXX and restriction of health issue.
Based on all what I got so far I would n't even consider employment with organizations who does n't have financial security and may loss your payment or somebody can steal money from XXXX places. it means that its security is weak, very weak ... I will not go to work in any financial organization with poor undeveloped security. i believe that REPUTATION of these XXXX financial organization as there PERFORMANCE is very LOW and will not seek employment based on my skills, knowledge and background for poor compensation.
What you would do if you were me?!
I must give up on my preferences and moved to XXXX Brand CAR. I have a picture on my phone, I wish you can see it.
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 03/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Santander Consumer USA , Inc. has been reporting that they " indirectly '' loaned me funds to purchase a car & reported to XX/XX/XXXX andXX/XX/XXXX. I filed a police report with XXXX Police Department and the Federal Trade Commission Identity Theft report and supplied the reports to the credit bureaus. All credit bureaus removed the Santander account from my report pursuant to Fair Credit Reporting Act 605b ( 15 United States Code 1681c-2 ) on or before XX/XX/2021. In XX/XX/2021, I sent Notice of Demand for Assurance of Performance and an Accounting to Santander demanding that they verify the debt with the production of a full accounting on the alleged auto loan. Santander NEVER responded to the Notice and Demand, and instead sent a XXXX contract, a payment history, and a cover letter expressly stating that they refuse to provide me with any information regarding the funding and/or origination of the alleged debt, and they also refuse to turn over any funds they've collected on this account. Their documents were sent back to them, " Refused For Cause : Non-Responsive '' along with a Certification of Non-Response since they blatantly refused to provide the requested information in my Notice and Demand. This also means that the XXXX XXXX XXXX prevents them from furnishing the requested accounting and adequate assurance at a later date. As a publicly traded company, Santander Consumer USA , Inc. is required by law to follow Generally Accepted Accounting Principles and provide me with the double-entry bookkeeping accounting that I requested to prove whether or not Santander did in fact loan me funds. Santander has not listed an " Original Creditor '' on any of my credit reports. Santander has failed to produce evidence of a loan, and therefore, they prove what I've been stating, that I do not and have not ever had a contract with Santander. I do not owe Santander any debt. Santander never loaned me any funds. I am not liable for the debt they allege. I believe, and my belief was certified by Santander not responding to my Notice and Demand, that their full ledger accounting for this account will show that they never issued a loan and took a promissory note with my information on it in as an asset on their books for which they have an outstanding liability owed to me. The accounting will also show that they have been unjustly enriched by this matter and owe me even more than the amount of the promissory note. On or around XX/XX/2021, Santander started harassing me again and reported this alleged debt to the credit agencies again. This fraudulent account has shown back up on all three of my credit report. All three credit reports, Santander reports completely different false information. On XX/XX/XXXX Santander claims this account has been charged off 64 times, the balance owed is {$19000.00}, which is different from the {$0.00} amount owed on the other two credit bureaus. On XX/XX/XXXX, Santander reports that I have 1 missed payment ( 32 on time payments out of 33 ) and the balance is {$0.00}. On XX/XX/XXXX, Santander reports a {$0.00} balance and a charge off with XXXX late payments.
Santander has and continues to violate the law. I have initiated the process to recover equitable damages legally for their blatant violations.
|
| 03/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
To Whom It May Concern : I had a phone call from Office of the President at XXXX XXXX on today, Thursday, XXXX, at approximately XXXX from phone number XXXX and they continued their deceptive, unethical business practices towards me, yet again.
I was told no more interest would be applied to the account. Yet, the information XXXX XXXX emailed me today ( in response to a notarized letter sent to them last week ) says {$2100.00} in interest + {$180.00} late fees + {$770.00} in miscellaneous fees have been added to this account through XX/XX/XXXX. They are now requesting a payoff of over {$14000.00}. I DONT HAVE THE XXXX XXXX XXXX vehicle anymore. They repossessed the car in XX/XX/XXXX and then sold it at auction XX/XX/XXXX for the amount of {$12000.00}.
I AM TIRED OF THIS COMPANY LOAN SHARKING ME! Every time I look around, they are adding more and more to this account. I tried my best to make small payments towards the balance while being sick. Its to the point my health comes first. I dont have the car. But I have my health issues with a XXXX XXXX in the XXXX XXXX. I must pay people to drive me out-of-town to deal with those issues.
I dont want this company calling me anymore. I can not agree to pay for something when a dishonest company is deceiving me.
Take a look at the information they mailed me. Notice every time since the beginning when I make a payment, the amount does not go down. Ive been saying this forever. A person makes 2 to 4 payments before you see the amount go down even once.
For example, take the payment made XX/XX/XXXX in amount of {$620.00}. I see 3 charges in XX/XX/XXXX on this account. Then XX/XX/XXXX, they still had not subtracted the payment from the account. It was showing {$27000.00} still in XX/XX/XXXX. Then a check was sent in amount of {$2400.00}. Chrysler Capital took {$1400.00} to apply towards principal and {$970.00} towards interest. But the account was only deducted {$27000.00} - {$1400.00} = {$26000.00} in XX/XX/XXXX. Then another check for {$1000.00} was mailed XX/XX/XXXX. They deducted {$26000.00} - {$1000.00} = {$25000.00}.
The problem is they both add interest to this account. Then they keep part of the money paid towards the balance hidden and consider it interest as they did with the {$970.00} on XX/XX/XXXX and my XX/XX/XXXX payment of {$620.00}. CAR PAYMENTS DO NOT SUPPOSED TO OPERATE THIS WAY.
How can they add interest to the balance and also hide interest to take the entire payment away where the balance never decreases? This scares me that a company is allowed to do deceptive business practices to consumers. I am sending this information to Consumer Financial Protection Bureau. I hope justice is served.
EVERY PAYMENT I EVER MADE SINCE THEY SOLD THE VEHICLE IN XX/XX/XXXX, HAS BEEN APPLIED TOWARDS SOME HIDDEN INTEREST. Yet, Office of the President at XXXX XXXX specifically told me no more interest would be added to this account EVER because it had been charged off. They charged the account off in XXXX at {$13000.00}. Since then, it continues to go UP even AFTER I send in payments. It has caused me undue stress, XXXX, and chest painson top of my other, ongoing health issues. At this point, I can not and will not make further payments to this company, XXXX XXXX.
|
| 08/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Santander Consumer USA As of yet, I have not heard back from you in over 60 days regarding my notice of dispute : You have not supplied the demanded proof of the alleged debt, therefore under the doctrine of estoppel by silence, XXXX v XXXX, XXXX XXXX XXXX, XXXX ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
You took my car involuntarily without any notice. Furthermore, You gave me a car that had a previous accident without notifying me as well which I've found out a week after when i took it to XXXX to fix some issues I've got with it. I have the papers in hands to justify. Below, you'll find the copy of what XXXX revealed about The Car.
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter : 1. What is your authorization of law for your collection of information?
2. What is your authorization of law for your collection of this alleged debt?
3. Please evidence your authorization to do business or operate in the State 4. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act.
Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking at least {$5000.00} in damages for the following : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely,
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XX/XX/2021 I contacted Chrysler Capital who was my lender for an auto lease. The contact was to initiate a request for payoff of my lease+purchase the vehicle ( residual plus fees ). I was told to call the customer service number and discuss the options, which i did. They told me there would be an early lease end fee if i purchased the vehicle then, suggested i wait until the end of the lease to avoid early termination fees. I waited until the 38th month of my 39 month lease ( which was on auto pay the entire length of the lease ), so XX/XX/2021 i speak with Chrysler Capital and get my payoff total and payoff date, they stated I needed to have the payment to them by XX/XX/XXXX or I would be subject to more interest. I spoke to them XXXX more times to obtain proper addresses and account number to have XXXX send final payment. XXXX sent payment and they received it on XX/XX/XXXX, Chrysler Capital sent me my lien release and bill of sale dated the XXXX of XXXX. A month later i get a notification my credit had significantly dropped due to a late payment being listed on an account. I investigated this issue and found Chrysler Capital had entered a late payment into my now closed account at the end of XXXX. I began calls with Chrysler Capital and XXXX disputes over the next 2 months and although many at Chrysler Capital have agreed it was incorrect and improper, they all continue to state its very hard to reverse with their collections dept. The executive Issue team at Chrysler Capital have now stated they can not correct it, so therefore XXXX continues to state the lender has confirmed the entry. Today i spoke with XXXX agent XXXX # XXXX, who also agreed its not accurate nor proper but can not have it corrected. I spoke with them multiple times in the month they stated my payment was late, never did they communicate i needed to make a manual payment, not did they sent any communication to my address ( which remained the same the entire autopayment lease period )... I verified with my bank and Chrysler Capital agreed that the auto payment was terminated by them at month 38 ( the month they state was late ), we had no end date for that month and therefore at a minimum they should have contacted me to inform me of this change. I would have just wrote a check then ( month 38 ) vs the 39th and final payment which I did. Now they have a late payment on the closed account, added after I had already paid the final 39th payment in full to purchase the vehicle. All my intent from XXXX to XXXX was around purchasing my vehicle at the lease end due to them stating I would have additional fees for early purchase ... a simple phone call or letter from them stating they were terminating the auto pay we had used for every previous months payment would have triggered me to send a check or whatever it was they wanted... the agreement was 39 month lease with last payment being made by check for the month or residual and fees... crazy that this is the only negative blemish on my credit report and it comes from them changing the payment method and not following up/communicating that change to me. Help me correct this on my credit report and get back to a true and honest representation of my lending and payment relationship with them.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
During XX/XX/XXXX I reached out to the finance company of my vehicle Santander Consumer USA on XX/XX/XXXX. At that time I was 22 days late on a my XXXX Payment and had just got notice that I would be laid off from my job due to the pandemic. I reached out to Santander to find out my payment options and to request an extension on my payments. At that time I was informed that I was granted an extension on 2 payments and that I would need to sign the documentation that was emailed to me and that no further payments would be required until XX/XX/XXXX. I signed the documents on XX/XX/XXXX and continued to make my payments. I later find out that I was reported late to the credit reporting bureau for a missed payment for the time period in which I was supposed to be covered for the payment extension. At no point in the conversation was did the representative express that I would need to make a payment to prevent the late payment from being reported to the credit reporting agency. This has in turn harmed me and prevented me from being able to obtain housing as I was in the process of purchasing a home. I have reached out to Santander Bank on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX. I spoke with XXXX and even though we have a contract stating that no payment is due during that time they have refused to remove the negative reporting to the credit reporting agencies. The practice of stating that you are granting a payment extension and then reporting it to the credit reporting agencies is deceitful. I have notified my lender of the error and requested that they remove the late reporting payment but have not received any resolve in this issue. The fact that they agreed to halt payments and enter into an agreement with me to extend my payments and there fore not require that any payment would be due until XX/XX/XXXX but still report a payment as being late for XXXX.
The CARES Acts credit reporting protections continue to apply to the time period covered by an accommodation after the accommodation ends. If payments were not required or the consumer met the accommodations payment requirements, a furnisher can not report a consumer who was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ends. Also, a furnisher can not advance a consumers delinquency that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
An inaccurate credit report can have a huge impact on consumers ability to make purchases, be hired and more, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. This case makes it clear that businesses must take the proper steps to make sure the information they provide to credit bureaus is accurate.
Santander entered into a contract with me the consumer to provide an extension and there by extend the date that payments would need to be made during my phone call to the company on XX/XX/XXXX. I signed into my Santander account on XX/XX/XXXX and it reflected that no payment was due until XX/XX/XXXX. All of the practices that Santander has under their extension program are misleading and harmful to their customers financial future.
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We bought a car from XXXX in XXXX, the vehicle is a XXXX XXXX XXXX. We have had numerous documented problems getting anyone to properly service the vehicle, INCLUDING XXXX. When we bought it we discovered it had a faulty transmission, after several trips to XXXX and several loaner vehicles later they finally shipped the vehicle to the closest XXXX dealership at the time in XXXX, Alabama so it could be serviced properly. Later on down the road we had service lights coming on for the airbag, took it to XXXX after they assured me they could service it and would provide a rental car. I dropped the car off and got a rental, the next day I get a call from them saying that they could NOT diagnose the light because of their limited equipment and that I had to pay for my rental car as a result. I convinced them I was n't about to do that and they let it go, but the light is STILL on to this day. Years later here we still have trouble having the car serviced, the local XXXX will not even look at the transmission and put the hood on wrong last time. We used the warranty at a local dealership to have major engine repairs and on top of taking two months to get back they caused an oil leak that nobody can seem to find the source of. Upon reviewing the documents in my XXXX packet I discovered a Dealer Agreement between them and XXXX ( Santander, USA ) where it states that a " repurchase '' will be enforced in the event of breach of contract. In the agreement it states that they will not finance a " vehicle that is no longer in production ''. We purchased the vehicle in XXXX and the last model of XXXX XXXX was the XXXX model. Now we had reported this to you guys before and they deflected saying that we had legal representation. Which is false and I can prove it because I have all conversations with Santander and XXXX recorded since I began persuing this matter. At no time was I EVER under any legal representation and this was KNOWN to both XXXX and Santander. Santander has since told me ( recorded of course ) that they are n't obligated to uphold that XXXX XXXX. When we first started talking to Santander they put a hold on all late fees with our account, when they told me they were n't going to enforce their own rules ( that were designed to prevent this situation ) they tacked all the late fees back on the account and reported it to the credit agency. Rather than retaining counsel we waited for TWO MONTHS before XXXX XXXX ( representative of Santander ) called back and told us they were n't going to do anything and tacked TWO MONTHS worth of late fees back on right away. I 'm at the end of my rope here, we have a car that is impossible to get serviced, XXXX ca n't work on it and they 're an hour and a half away, XXXX tells you to go to a particular dealership to have it serviced but it has been CLOSED for YEARS which is also XXXX hours away in XXXX. We have no other recourse, if you guys tell me there 's nothing you can do or if Santander lies to you to make you go away again I wo n't have any choice but to retain a lawyer that I ca n't afford and just hope for the best. This is my only car, I have XXXX kids and a job that relies heavily on my presence. You 're literally my last hope here, please look into this.
|
| 06/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a notice from Santander Consumer USA, stating that my auto loan account was recognized as paid in full on XX/XX/XXXX. On XX/XX/XXXX they repossessed my vehicle. They had a {$17000.00} lien placed on the vehicle and repossessed it. Even though they completely removed the auto loan from all the credit reporting agencies. I received no notifications of what they were doing until my wife was out and a man showed up to take the vehicle. No correspondence from Santander in a year. She tried to explain the situation and the comments that were made to her were very degrading. She was told " ya, everyone who gets repossessed has a letter '' and was told that if she didn't turn the vehicle over she would have the police called on her. Also told that a lien would be placed on her Drivers License. The man said " I sure would like to see this letter you claim to have. '' I have a paid in full letter, my vehicle was repossessed and my wife was treated like trash because of Santander Consumer USA. My XXXX year old Daughter got her Drivers License in that SUV. Went to Homecoming in that SUV. And the last trip she ever made, in this same SUV was to the hospital where she later died. She died in XXXX and the scuff marks from her boots were still on the roof. Santander took that away and the repossession agents didn't care when my wife tried to explain all of this. She was told " I don't want to hear it. You are just like every other repo. '' She tried to explain that she was not like every other repo, that she had the letter of proof but she was stereotyped. She was told that he was being very nice to her by not leaving her stranded beside the road. She was told that if she left anything in the car that she would have to pay a catalogue fee. My wife suffers from XXXX, XXXX, XXXX XXXX and XXXX. It is not a good situation for her and for her to be treated like trash and to be humiliated. When he first arrived he blocked her car, walked up and started shining a flash light and when asked what he was doing, he said " I'm here to get this car. '' She was told that they have been driving by the house and taking photos. She was aware of suspicious activity like this and it caused some trauma, we just had no idea why this was happening. Now we know! This whole situation has caused a lot of undue stress and trauma. Also per " Florida Statute 537.012Repossession, disposal of pledged property ; excess proceeds. ( 2 ) Prior to engaging a repossession agent, the lender shall afford the debtor an opportunity to make the titled personal property available to the lender at a place, date, and time reasonably convenient to the lender and the borrower. Prior to taking possession of titled personal property, the lender shall afford the borrower a reasonable opportunity to remove from the titled personal property any personal belongings without charge or additional cost to the borrower. After the lender takes possession of the titled personal property, the lender, at the lenders sole expense and risk, may authorize a third party to retain physical possession of the titled personal property. '' Why was this not followed if this were a legitimate repossession? Also, my wife 's Breach of Peace is a concern.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
This company XXXX Santander Consumer USA XXXX is reporting inaccurate information to my Credit Bureaus ( XXXX, XXXX, XXXX ). I have contacted the lender on several occasions asking them to stop reporting inaccurate information to those bureaus. They hardly ever want to speak to me to resolve these issue. The lender has the wrong address and is constantly reporting inaccurate information which is a violation under the rules of the Fair Credit Reporting Act. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I have tried to dispute this auto loan from my credit report several times but the lender is constantly reporting inaccurate information to my Credit Bureaus. Since the auto loan lender had inaccurate address information, this means that I never received any documentations in regards to an auto loan. This must be removed from my Credit Report for it is damaging my credit score.
XXXX Duties of users regarding address discrepancies.
Definition : For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. ( 1 ) Requirement to furnish consumer 's address to a consumer reporting agency. A user must develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C.
1681a ( p ) from whom it received the notice of address discrepancy when the user : ( i ) Can form a reasonable belief that the consumer report relates to the consumer about whom the user requested the report ; ( ii ) Establishes a continuing relationship with the consumer; and ( iii ) Regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of address discrepancy relating to the consumer was obtained.
( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; ( ii ) Reviewing its own records to verify the address of the consumer ; ( iii ) Verifying the address through third-party sources; or ( iv ) Using other reasonable means.
( 3 ) Timing. The policies and procedures developed in accordance with paragraph ( d ) ( 1 ) of this section must provide that the user will furnish the consumer 's address that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) as part of the information it regularly furnishes for the reporting period in which it establishes a relationship with the consumer.
The Auto loan lender has INACCURATE address information. Therefore under the guidelines of the Consumer Financial Protection Bureau this issue must be disputed.
|
| 02/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX. This was a used vehicle. I have always purchased XXXX XXXX XXXX for my vehicles if new or used just in case something happens. I paid on the loan without any defaults until about XXXX when there was a government shutdown that occurred and I was not able to make my payments for a short amount of time. I called Santander to request a payment extension and they stated they could not provide a payment extension to myself at the time but that they could offer me a deferment on my payment which would make my payment due at the end of the loan versus at the moment I was having financial difficulties. They ended up giving me a deferment on more than one occasion during the life of the loan. Well in XX/XX/XXXX/beginning of XXXX the XXXX XXXX XXXX was totaled. My insurance paid an amount of around XXXX, GAP paid an amount equaling about {$3900.00} and GAP refunded me what was due to me or what was not used which was about {$200.00}. Later on that year I started receiving correspondence from Santander stating that I owed XXXX and they reported to all credit bureaus that my account was charged off and in negative status. I immediately contacted them and asked them how I owed this amount of money. They stated that because I received a Temporary Reduction In Payment more than one time that GAP did not cover the amounts that were pushed to the back of the loan. I was never informed of this during the active times that I was requesting extensions. The XXXX that is owed is the exact amount of the interest and payments that GAP would not cover because they had been pushed back. Santander negligently allowed me to do extenstions and temporary reductions in payments without advising me that I would have to pay this out of pocket because GAP would not cover it due to the amount they would have paid being over the cars value. I was distraught as this XXXX debt has hurt my credit tremendously. I am not able to purchase a home, buy a new car, get store credit cards etc. My credit has maintained a low 500 's score due to this debt and it was in the negligence of Santander. Something made me start looking on the internet for unfair practices of Santander Consumer and I found the consent order from United States of America Bureau of Consumer Financial Protection File No 2018-BCFP-0008 in the Matter of Santander. This is my exact situation. I am an affected individual as I received my loan with Santander within XX/XX/XXXX and they charged off my loan with a balance due to GAP not picking up the deferred payments and interest santander failed to disclose to me in XXXX which the dates of the consent order are XX/XX/XXXX through XX/XX/XXXX. I want this account to be listed as positive and with a XXXX balance for the life of the loan from beginning to start on my credit and reported as positive for the total life of the loan. I want any monies due to me for having to pay on this account after the vehicle was totaled to be refunded to me. I would like to be awarded damages as well for all of the credit troubles and denials I have dealt with from XXXX until now. This is not fair to me as a consumer. Please see consent order attached.
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/XXXX myself and my mom XXXX XXXX XXXX co-signer purchased a brand new XXXX XXXX XXXX manual transmission. I purchased the XXXX XXXX at XXXX and the XXXX XXXX service contract at {$2400.00}. Annual percentage rate of 21.85 % which broke down into 75 payments of {$550.00}. The XXXX was way too expensive but I made it work for about 2 years. I was teaching at XXXX XXXX XXXX and went to XXXX XXXX XXXX in XXXX of XXXX and on my way home the manual transmission would not change gears, I could not stop, my clutch went straight to the floor when I turned the Jeep on. Sunday 's no XXXX dealerships were open in XXXX NC. I was scared to death because I had to get home, I was working my XXXX job that evening. I made it home safely thank XXXX. The vehicle was still under factory warranty of which I was still blamed for what happened and was asked to purchase a new clutch because mine had some grooves, due to the grinding which I had to grind the gears when the clutch goes to the floorboard. I asked several people including XXXX XXXX at XXXX, is this a defect? Does this happen often? I was told that what I experienced is something that doesn't occur until there are about XXXX, XXXX miles driven. The XXXX went in for service from XX/XX/XXXX to XX/XX/XXXX, I was still responsible for making payments while I didn't have my XXXX. I got my Jeep back and it did not feel safe at ALL. I called Chrysler Capital and asked to be release from my purchase contract, or to have the opportunity to turn it in and get a different vehicle. I was harassed with phone calls from XXXX salesmen to get the brand new XXXX XXXX which would increase my payments by over {$300.00} per month. I attempted to refinance my Jeep to help with lowering my monthly investment, no luck. I felt extremely unsafe since I had a daily driving commute 50 miles each way, and I really tried to catch up on my payments worked 2 jobs, tried to negotiate something with XXXX so I could keep it even if I felt not safe.
Jeep was repossessed XX/XX/XXXX, XXXX months after I lost both jobs due to XXXX. The vehicle was sold at a private sale on XX/XX/XXXX, {$10000.00} was deducted from the over {$23000.00} prior balance that has been reported on my credit reports. Well thats not the math that Chrysler Capital used. The initial purchase price was {$22000.00}?? So, 2 years of payments my balance goes up?? Now I just received a letter stating that Chrysler Capital sold my finance contract to XXXX XXXX XXXX on Thursday XX/XX/XXXX after I was given documentation that the Jeep was sold during a private sale for {$10000.00}?
I am continuously getting hard credit inquiries by Chrysler Capital, because I have been working really hard to bringing my credit score up, but can't get anywhere when I am dealing with almost monthly hard credit inquiries by Chrysler Capital.
Review the documents attached the back of the purchase contract clearly indicates that if XXXX XXXX is purchased that cost would go towards any deficiency. No, it wasn't. This should not even be legal, everything from the finance charge, terms, the defect and no offer to get me into something safer and cheaper after I lost both sources of income due to something out of my control.
|
| 08/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car payments are $ XXXX. My last 3 car payments were XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$370.00} and XX/XX/XXXX for {$270.00}. They were all above my {$260.00} requirement. I was making payments but I did miss some payments due to low income and hardships. I requested help many times but instead they called me every day multiple times a day attempting to get a payment. They claim my account was brought current and that they gave me an extension in XX/XX/XXXX but that was not reflected properly. Something doesnt add up. XXXX XXXX is my lender and my loan is for a XXXX XXXX XXXX. The XXXX was repossessed without my knowledge on Wednesday XX/XX/XXXX. 3 days ago. They are not giving me an option to get caught up to make the account current. They are requesting a full payoff. They repossessed the XXXX while I was out of town abs left me stranded at a grocery store while I was in the middle of completing an XXXX shopping order. I use my XXXX for XXXX deliveries. My XXXX was taken without my knowledge that they were tracking my location and I wasn't contacted or notified by either mail or phone that this was about to happen. I did get calls from them while I was at work and was unable to take their calls while I was working but I didn't receive a letter from them that this was going to happen. I was told by Chrysler Capital that they sent me ap letter for this clear back in XXXX of XXXX. But that was for a totally separate occasion. How can they count that as proper notice? That was nearly 1 year ago. When I asked how far behind I was they told me I was 108 days past due and that the XX/XX/XXXX payment didn't count because it went towards the past due amount and they also told me that all of my payments I was able to make went to interest only and not to pay down my balance. I originally put {$10.00} grand down on my vehicle and they act as if that doesn't even exist and doesn't matter. I do not know everything but I definitely feel like I've been blindsided. I was also told that my vehicle had been transferred to XXXX, Nebraska which is closer to where I live and when I arrived to pick up my personal property inside my XXXX including my bipap machine which is a medical necessity when I sleep at night. They told me that my XXXX was still down in XXXX, Nebraska and now i have to wait the entire weekend for them to get my vehicle up to the XXXX location for me to get my belongings. So they lied to me on the phone about the location of my XXXX abd they are withholding my medical equipment plus the rest of my belongings inside my vehicle. And I had an XXXX customers groceries in the back of my XXXX at the time of repo as well. They told me it would be Monday before they could have my vehicle brought to Omaha.i was also locked out of my Chrysler Capitol mobile account so that I could not view my transaction history or my account. When I asked the guy on the phone why I was locked out he said he didn't know why I was locked out and that it was very unusual. I asked for an entire payment history and I was told by a lady that she was going to email it to me. That didn't happen either. I'm locked out of my account so even if I did get a message I'm not able to log in and see it.
|
| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
XXXX XXXX XXXX FM XXXX XXXX, TX XXXX Re : Santander/Chrysler and XXXX XXXX Thank you for taking the time to review the complaint Attorney General on behalf of Santander/Chrysler Capital. XXXX of XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX.
During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with Mr. XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles.
Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation.
To see a voluntary repossession on my credit profile not once did XXXX questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior.
With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed.
Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For Mr. XXXX to mislead and deceive me to gain a sale is against the law.
Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer XXXX and acceptance companies and related finance companies that acquire XXXXs. Chrysler Capital/Santander, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status.
According to the OCCC, a creditor that has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle.
The lending practices of Chrysler Capital/Santander victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I signed a loan agreement offered by Santander Consumer USA thru XXXX in XXXX of XXXX. Even though my interest rate was astronomically high at 22 %, they were one of the only lenders willing to work with me. My car was a little over {$15000.00} 2010 XXXX XXXX, for 72 months. I figured I could work that, even with a high interest rate, as long as I made every payment and paid extra, I could pay them off in no time! Fast forward almost 2 years, I had to request an extension that one of the reps suggested I get because I had moved to a different state for my boyfriends job. I did not find work as quick as I had hoped, and had already emptied my savings paying Santander 2 months worth. That was the 1st of a handful of extensions I had to get later on due to my dad passing and me having to take off work, myself sick and taking off, kids sick, etc. Santander has called almost everyday since trying to get more money out of me after I have continued to make timely payments-even reporting me late 16x on my credit! They replied the car in XXXX of XXXX and I had to pay almost 4 months worth to Santander to get it back-even though I was 3 months behind ( according to them ). About a week ago, they were harassing me, yet again, telling me that I was 120 days past due and needed to get current in order to avoid another repo. I asked the girl how that can be when I have double and triple paid them, AND Im on my 6th year-as we speak. This was the same thing I asked a rep nearly a year ago in XXXX around the same time. Both reps said the exact SAME THING! LATE FEES! Late fees?! How can I still owe late fees when I caught up twice with my payments and late fees and youre still telling me Im behind??? So how much do I still owe? I ask. {$10000.00} is what she tells me!!!! WHATTTT?!?! As soon as I got off the phone with her, I went to my job and spent all morning going thru transactions with them. I paid this company nearly {$25000.00}!!! And they were still telling me I owe {$10000.00} on a {$15000.00} car! I immediately called my mom and gave her my login on their website. I asked her to look over the numbers to make sure I wasnt crazy. She calls me back and had noticed something that I didnt .... they had applied ALL of the money that I had been giving them for my car towards the interest for almost 2 FULL YEARS. Then, towards the end of the 2nd year, they finally put 2 months of my payments toward my car. Right after, they went right back to putting the money towards interest- to the point where we are now ... that I have only paid {$5000.00} towards my car and {$20000.00}!!! towards interest!!!! This can not possibly be legal! Not only that- it was never made clear that when they were giving me these extensions that I would be accruing interest on that! I checked over the contract and I DEFINITELY did not get told by them or the dealer that ALL of my payments to them would go to interest for nearly 2 years! I am frustrated and very depressed from having to watch my credit suffer, as a result of these bloodsuckers constantly reporting me late and threatening to take my vehicle-after getting SO much money out of me for a car that is barely worth {$1500.00} XXXX!!!!! Please help!!!
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
My complaint is that I was duped into signing for a car on XXXX XXXX of XXXX. My grandson gave my name and social security # to the dealership when I spoke to the dealership they told me everything is fine all I have to do is sign. Note I am retired since XXXX of XXXX, no one asked me for a job letter, bank statement or proof of income. I did not even know the cost of the car I know he gave them XXXX plus another XXXX. I left to live in XXXX the next day when the bank called me and asked me where I work in told the Rep I would call back I called the dealership and I told them that the bank is calling to verify my job information plus my salary I told them I am retired so I do n't know what to tell them. The dealership advise me not to answer the bank everything is fine. So how can you approve a loan without verifying these things. I did not even know that the payment was XXXX per month, I was only making XXXX per month for Social Security before XXXX & XXXX per month before tax I had a car payment for XXXX which I had with XXXX for which I was never late because I had a job at the time. I only found out about the dollar amount of the payment when my grandson was incarcerated now I am left with a loan that should not have approved by Santander note when they started calling me and I explain the situation and I said this loan should not have been approved you called me like a week later to verify my information I was retired not making that amount of money you put me in a car that I would not be able to pay for. Their answer is that it 's in their stipulations that they or not required to verify the amount of money you make. I spoke to a XXXX XXXX he is a Manager there. I was naive but I should n't have there was was shady looking characters there a host of XXXX that bring clients to them there was even a problem with the last XXXX that was paid. My grandson ask me to give them the check I gave it to them this person was a XXXX guy by the name if XXXX they were all denying that they got the money I had to call the bank and when the bank told them where this was cashed the dealership was denying that they did not use that bank. So call the bank with them on the phone and that was the end of that issue. If they had done the proper protocol and deny that loan I would be in Florida and I would not be caught up in this debacle. My issue is that Santander should not have approved the loan plus they should have verified my financial situation before doing that they called me to verify that after the fact. I was naive too. Where the dealership was not here I sign the contract they took me like 1 hour and a half drive from where the dealership was. Even though the payment was been paid by him they have my info and if you crunch numbers I would not be able to pay for that car. This payment even if I try it is taking away more than half of my salary. I went to do something and they told me due to the fact I have that car loan I would n't be able to. Santander is to be blame now they are telling me to sell the car and pay them like XXXX dollars. Santander is doing illegal stuff putting people in cars they ca n't afford it I am at my wits end this is such a rip off. Please help.
|
| 01/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Santander/XXXX and XXXX XXXX Thank you for taking the time to review the complaint Attorney General on behalf of Santander/Chrysler Capital.XX/XX/XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with XXXX XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. To see a voluntary repossession on my credit profile not once did Santander questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For XXXX XXXX to mislead and deceive me to gain a sale is against the law. Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer RICs and acceptance companies and related finance companies that acquire RICs. Chrysler Capital/Santander, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. According to the OCCC, a creditor has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle. The lending practices of Chrysler Capital/Santander victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX in XXXX of XXXX. At the time of the purchase I was told that a {$1000.00} down payment would be needed but was not told that on the phone when I was approved. I told the salesman I did not have {$1000.00} but he could take it out of my account within two weeks. I gave my debit card information before I left and assured him that it would be in my account. Two weeks passed and then the year XXXX passed still no removal of my money which I assumed had been taken out. No contact from the dealership regarding the matter a month after I purchased the car two months three months nothing. Then about several months ago I would say around XX/XX/XXXX I received TWO separate calls from the dealership informing me my down payment was never received. I called back TWICE and left messages to the finance manager no call backs ever. No certified letters sent to me no other phone calls until today XX/XX/XXXX from XXXX who I am assuming is the HEAD collector. She left me a voicemail stating that if I did not contact her immediately that she was going to Magistrate Court and file a warrant on me. I proceeded to call her back and attempted to explain to her that I have called several times as in TWICE no callbacks no nothing and she proceeded to get loud and state that I was going to be arrested and I got loud back and told her that she had no right contacting me with a threat to have me arrested for an issue on their part that they should have called me a month after I bought the vehicle, I never received any certified letters no callbacks after I left TWO messages back in XXXX. She proceeded to hang up in my face. I called the dealership back and asked to speak to the manager over the dealership at that time I told the receptionist what just transpired and she transferred me to a gentlemen by the name of XXXX I may be wrong about his name but he identified himself as the manager but I proceeded to explain to him what was going on and he basically stated to me if I have so much money why I had not paid my down payment and I explained to me that it is against the federal rules and regulation for XXXX to call me with a threat of arrest over something that the dealership DID not properly handle. He got smart with me and I told him I can give you {$500.00} today and he still kept being very rude and nasty and I explained that he needed to inform XXXX that she can not as a collector call and leave messages with the threat of arrest and also when I spoke to her she can not harass me and say she would get me arrested and a warrant taken out on me, He proceeded to take my information and told me well XXXX is the Cougar of the company meaning she's going to use whatever tactic to get a debt that is owed and hung up in my face as well. I am a medical consultant and I have done collections in the past and I know that it is not acceptable to call in a harassing or threatening manner regarding a debt. I also called XXXX XXXX to complain to inform them of the issue and I want to say that they are not part of my complaint but they did proceed to take a statement from me and gave me Case # XXXX regarding my complaint.
|
| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
As it states on the contract that was on XX/XX/XXXX the co-buyer ( Consumer ) is responsible for paying the entire debt. I tried to keep up with the payments on the XXXX XXXX XXXX so the payment would not get behind. I called CHRYSLER CAPITAL to get help with the payment and they gave me an extension for the payment, but it would still have to be paid in full for the past month. I sent CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I could not pay the amount for two months payments. On XX/XX/XXXX the buyer ( Consumer ) got a letter saying CHRYSLER CAPITAL was going to take the car if a payment is not made. I called to see if I could put down something and the representative said I had to pay the full amount. On XX/XX/XXXX a notice in the mail from the buyer got a notice of repossession and notice of our plan to sell property. During the pandemic a third party came to repossess the XXXX around XXXX eastern timed impounded the car. It stated that I can get the car back at any time before we sell it by paying CHRYSLER CAPITAL the total reinstatement amount {$2.00}, XXXX. I had to take out another loan ignorer to pay the total amount. During the The third party took the car again on XX/XX/XXXX and the total amount on it was {$1400.00}. I sent another CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I took a look at the contract and seen that it states that the buyer or co-buyer may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements on the front and back of this contract. As I am the original creditor as per 15 USC 1602g the car was already paid for as it states in the contract and is a violation of the Truth and Lending Act 15 USC 1601. The buyer of the car got turned down because of her credit application which is another violation 15 USC 1691 ( 3 ) scope of prohibition the applicant has good faith exercised any right. Before I was approved for the car they asked for a down payment which I put down {$1000.00}, which was another violation of 15 USC 1662 and 15 USC 1611 I was giving inaccurate information which was required to disclose. When I couldn't make payments I received threats in the mail of taking the property 18 USC 876 ( d ) The car was taken by a third party company 15 USC 1692f ( 6 ) ( a ). I sent a right to rescission 15 USC 1635 to CHRYSLER CAPITAL on the fraudulent violations that were made per Truth and Lending Act on XX/XX/XXXX via certified mail return receipt. In that letter I stated all the violations that were made in the contract and I demanded all money back that was paid on car from repossessions, monthly payments, and interest as per 15 USC 1692h. In the contract under Truth in Lending Disclosures in the finance charge section it states the dollar amount the credit will cost you {$12000.00}. All payments from when the car needed service was to be included in the finance charge as per 16 USC 1605 ( a ).
|
| 05/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I am a XXXX year old college XXXX, worked three jobs to pay for a reliable car to get to work and school. I was working late and dealing with the homeless people on the bus and public transportation late at night. My car was repossessed three times after losing two jobs due to my school schedule by Santander Consumer USA, loan company. After the third repossession in XX/XX/XXXX, Santander Consumer USA loan company stated that I could not reinstate the car payments to get my car back ( my family in the past had helped me to get the car back from repossession ). While picking up my car after the first repossession, another person was there at the same time as I was to pick up his car and he stated that Santander Consumer USA had repossessed his car twice in less than two months. Therefore, since Santander Consumer USA stated that after the third repossession, I could not get the car back, the car was scheduled for auction according to Santander Consumer USA. I received a letter from Santander Consumer USA with the amount that I must pay after Santander 's letter stated that the car had been sold and a balance of approx. more than {$19000.00} is due on the XXXX car after the car was sold and which I paid approx. {$21000.00} in XXXX. Santander also mailed a letter stating they would take a settlement of approx. {$5700.00}, if I contact them before XX/XX/XXXX. The letter state that the settlement had possible tax impacts for myself. I need to know what the true balance after the sale of car by obtaining a copy of the Bill of Sale for the car and where did the auction of the car take place information from Santander Consumer USA. After several calls and failed attempts to get information about the auction sell amount and the auction place of the car, I wrote a letter in XX/XX/XXXX and XX/XX/XXXX after not receiving a response to my requests for information about the sell of the car to Santander Consumer USA.
XXXX. XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX-XXXX as below The following information was requested in a letter from myself. dated XX/XX/XXXX and sent to your office VIA CERTIFIED MAIL. As of today, XX/XX/XXXX, I have not received a response back from your office to my requests as stated in the letter from XXXX XXXX. This is in violation of the Fair Credit laws.
Subject : Request for a Loan History, Request for a copy of the Sale of the Vehicle Documents and Request for Publicized Sale of the Vehicle Document This letter is a request for a loan history on the XXXX. XXXX XXXX ... .... ( Vehicle ) from XX/XX/XXXX through XX/XX/XXXX.
This letter is also a request for you to mail me a copy of the auction sale documents indicating the price the vehicle was sold for at auction on XX/XX/XXXX.
This letter is also, a request for you to provide to me a copy of the documents that advertised / publicized the vehicle for sale.
I look forward to your response in writing for the following requests within the next 15 days from XX/XX/XXXX : 1. Request for a loan history for the vehicle 2. Request for a copy of the auction sale document indicating the sale price of the auctioned vehicle 3. Request for a copy of the publicized sale of the vehicle document Regards
|
| 09/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
As it states on the contract that was on XX/XX/XXXX the co-buyer ( Consumer ) is responsible for paying the entire debt. I tried to keep up with the payments on the XXXX XXXX XXXX so the payment would not get behind. I called CHRYSLER CAPITAL to get help with the payment and they gave me an extension for the payment, but it would still have to be paid in full for the past month. I sent CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I could not pay the amount for two months payments. On XX/XX/XXXX the buyer ( XXXX ) got a letter saying CHRYSLER CAPITAL was going to take the car if a payment is not made. I called to see if I could put down something and the representative said I had to pay the full amount. On XX/XX/XXXX a notice in the mail from the buyer got a notice of repossession and notice of our plan to sell property. During the pandemic a third party came to repossess the XXXX around XXXX eastern timed impounded the car. It stated that I can get the car back at any time before we sell it by paying CHRYSLER CAPITAL the total reinstatement amount {$2.00}, XXXX. I had to take out another loan ignorer to pay the total amount. During the The third party took the car again on XX/XX/XXXX and the total amount on it was {$1400.00}. I sent another CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I took a look at the contract and seen that it states that the buyer or co-buyer may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements on the front and back of this contract. As I am the original creditor as per 15 USC 1602g the car was already paid for as it states in the contract and is a violation of the Truth and Lending Act 15 USC 1601. The buyer of the car got turned down because of her credit application which is another violation 15 USC 1691 ( 3 ) scope of prohibition the applicant has good faith exercised any right. Before I was approved for the car they asked for a down payment which I put down {$1000.00}, which was another violation of 15 USC 1662 and 15 USC 1611 I was giving inaccurate information which was required to disclose. When I couldn't make payments I received threats in the mail of taking the property 18 USC 876 ( d ) The car was taken by a third party company 15 USC 1692f ( 6 ) ( a ). I sent a right to rescission 15 USC 1635 to CHRYSLER CAPITAL on the fraudulent violations that were made per Truth and Lending Act on XX/XX/XXXX via certified mail return receipt. In that letter I stated all the violations that were made in the contract and I demanded all money back that was paid on car from repossessions, monthly payments, and interest as per 15 USC 1692h. In the contract under Truth in Lending Disclosures in the finance charge section it states the dollar amount the credit will cost you {$12000.00}. All payments from when the car needed service was to be included in the finance charge as per 16 USC 1605 ( a ).
|
| 05/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Hello, I returned my lease of a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The leasing company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX. My leasing company is stating I owe a {$390.00} return fee which I believe I already paid. I believe they have payments posted incorrectly or in an escrow account that they aren't applying correctly. I paid all my payments plus the return fee in XX/XX/XXXX. Their system is horrible & I can never speak to the same person & every person I speak to just tells me I owe the money. They want to go over what was posted when but they also don't post things correctly. They send me an itemized list but when I call they can't review the list with me because they said it was sent by someone else & I can't talk to that person & they can't see what was sent to me. Its a vicious cycle. The most recent statement online and the last one I received stated I only owed {$460.00} for taxes which I paid & the payment was posted on XX/XX/XXXX. When I call they say well that was posted to the return fee so you still owe the taxes.
I asked the leasing company for the following information : 1. My contracted amount for the whole term of the lease ( I have this amount but I want to make sure they have it noted correctly in their system ) 2. The total amount I paid from day one to today. ( At the signing of the lease I had to pay the first months payment ) 3. The total taxes paid to my town along with copies of the tax bills from the town. They only provided me with only 1 statement from their system ( not the town bill ) for tax year XXXX. I tried looking on the XXXX XXXX XXXX XXXX tax data base online but there are close to 500 vehicles under XXXX Auto lease so I couldn't tell which is mine.
4. The total and description of any other fees I owed or were charged.
5. A bill to accurately show what I owe because online doesn't show I owe anything.
I requested this information numerous times to check their postings to what I actually paid but they won't give the totals to me. Basic accounting-I would like to take the totals from # 1, plus 3 & 4, minus # 2 ( my pymts ). That will tell me what I owe or what I overpaid.
I have a bunch of files that they sent me that don't make any sense. I will send the attachments to you so you know what they are putting people through. The most ridiculous one is the itemized statement which has every dollar amount listed in the same column, there are no plus or minus sign anywhere. I added this column up and it was over {$100000.00}. It is ridiculous. The documents that I received from them via email came from XXXX I tried replying to the emails but the email doesn't accept emails.
Also when I log onto my account online, the 1st screen says I have a past due monthly payment ( {$200.00} ), When I view the most recent statement it says I have no monthly payments due but it states I owe {$460.00} with no details. I will attach print screens so you can see. Also, I can give you my username & password so you can see for yourself.
Please call or email me if you you would like for me to go into more detail & /or for my signon to Chrysler leasing system.
Thank you, XXXX XXXX
|
| 02/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is the only vehicle that I have, and as a result of medical issues we now have limited income. I started paying for the vehicle by making several payments a month. We were told by several phone operators that this was a great thing. In that time we received XXXX statement via mail everytime I inquired I was given a different reason why. Then I was told that that they only sent them via emails. This went on every month. Starting in XX/XX/XXXX for the next XXXX or XXXX months I paid XXXX payments. But doing that there were issues, like I would have to contact them and say put the payment on the next month. Because I didn't get regular statements. When we paid using the XXXX we would be changed {$7.00} because we didnt have a current statement. I told several people this including the XXXX office. XXXX XXXX I asked regularly how was the payment devided on my account. There would be months that I was so ahead that they would say oh you don't have to make a payment until a month XXXX or XXXX months. Never mentioning all of this interest. I believe in XX/XX/XXXX I made a payment and they said oh you are so far ahead you don't have to make a payment until XXXX or XXXX. When I paid it. I called to make sure that everything was okay. And their response was that I was late and it went to interest. I couldnt believe it. But I was told something different everytime I spoke with someone. Asking for someone to call me from the corporate office. Finally I did a survey and remaked about how the loan was being handled than i received a call from the XXXX office. She said that she would ask for an audit I did get a call back saying the audit was fine and this was an interest loan and that's what happens and how she had a car and it worked this way. So for XXXX months I have paid and not XXXX dollar has gone towards the principal. I spoke with someone today and she said that what she saw was that we were behind for XXXX. She said that looking at it she could tell that something wasn't right so she was asking for an audit. She also said as long as I pay the due amount and nothing over that I was right it would never get paid off. Isn't that the definition of a sub prime lending company? I also asked why what I owed is hundreds less than what is being reported. To the credit bureaus I've asked this several times. I owe according to them {$7.00} but on my credit it shows that I owe XXXX XXXX and something and that I'm not late. When I got this loan I was not told that this was how it was going to be. I've helped people who have been stuck in payday loans and this is exactly what it looks like. No company in this country should ever. But especially in the midst of a pandemic be allowed to prey on people. My illness almost took my life. It is XXXX that is made worst by stress. I was told today that the rep sent my file to be audited i asked if i would receive a call. She say no you have to call them on XXXX.
I have never seen this level of customer care. She also mentioned that there records were showing that I had not paid XXXX 's car note. Yet it is XX/XX/XXXX and I've never seen any kind of notice that states that. Please help us to resolve the situation..
|
| 05/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX XXXX , I purchased a XXXX XXXX XXXX VIN # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX , XXXX XXXX XXXX XXXX ( Exhibit A ). The financing department at XXXX told me the 72 month contract was accepted by Chrysler Captial, XXXX XXXX XXXX , XXXX , TX XXXX , Phone : XXXX . The payments would be {$790.00} per month due on the XXXX of every month beginning XXXX XXXX XXXX
On XXXX XXXX XXXX , I received a call from XXXX XXXX Assistant, XXXX ( Exhibit B ). He told me that the 72 month contract had not been accepted by Chrysler Capital. I must return to the dealership asap. I told him that I could visit the dealership Saturday at XXXX On XXXX XXXX XXXX , I arrived at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CO XXXX , XXXX XXXX XXXX XXXX at XXXX . XXXX XXXX , Finance Manager, told me that I would need to return the car or sign a 60 month contract because that is all Chrysler Capital would accept. I had already sold my other car and needed a vehicle to work. Upset, I had no choice but to sign the contract ( Exhibits C1, C2, C3, C4 ). The new contract is for 60 months with a payment of {$880.00} due on the XXXX of each month beginning XXXX XXXX XXXX ( Exhibit C3 ). The 72 month contract was taken by the dealership and shredded.
On XXXX XXXX XXXX , I received a statement from Chrysler Capital reading a payment of {$790.00} due on XXXX XXXX XXXX ( Exhibit D ). I telephoned Chrysler Capital to ask that the due date be changed as there is a discrepancy. The woman on the phone told me she did show two contracts : one for 72 months and one for 60 months. She said the issue would be looked into and the date for payment would be changed to the XXXX of every month beginning XXXX XXXX XXXX She told me to fax a copy of the 60 month contract ( Exhibit E ). I mailed the payment to comply with the XXXX payment date even though I would continue debating the issue.
On XXXX XXXX XXXX , I telephone Chrysler Capital ( Exhibit F ). I spoke with a gentleman who told me the payment still had not been received and that the contracts were both in his system. He agreed that the 60 month contract was the binding contract as it was signed subsequent to the 72 month contract. He further stated that my due was XXXX XXXX XXXX and he would have the matter corrected.
On XXXX XXXX XXXX I logged into Chrysler Capitals online portal to see if my payment posted. The payment did post. However, Chrysler Capital showed that my next payment is due on XXXX XXXX XXXX for {$780.00} ( Exhibit G ). This is incorrect as the correct shows the due date of the XXXX which means my second payment is due XXXX XXXX XXXX .
On XXXX XXXX XXXX , at XXXX , I called Chrysler Capital and spoke to XXXX , Office of the President. She was belligerent and condescending stating that I was wrong and trying to manipulate they system into allowing me a different payment date. At this point, I decided to contact the Consumer Financial Protection Bureau for assistance.
|
| 07/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
purchased a vehicle from XXXX XXXX XXXX XXXX, Mass location on XX/XX/XXXX. Shortly after I brought my vehicle to their XXXX, NH location to have my car inspected and it failed, I was told it needed a new oil gasket. I went back to the XXXX location where they fixed it and then back to XXXX, NH where I had it inspected. A few weeks after the check engine light came on, I brought it back to the XXXX location. I was told that it was a valve, but never told which specific valve however they did replace the valve. I was told the check engine light would come off after 5 miles or so. It did shut off the next day, only to turn back on the day after that. Once again I called the XXXX location and they had me bring it back in. I was told at that point it was the catalytic converter and that they just needed to get me another car. I set up an appt with my mother to go in and discuss getting a new car, only to be told that I would need to give them another XXXX XXXX down on a different car and that my payments would go from XXXX XXXX/a month to XXXX XXXX/a month. I stated I was not putting anything down nor was my payment changing because they gave me a car that was not even inspectable and is faulty. They had me sitting at this location for over 6hrs waiting for an answer I never got. I I had to eventually leave as I had to work in the morning and I needed to get my son. I did not hear from them for two days, they finally called me on the XX/XX/XXXX and set up a XXXX appt for the next day on the XX/XX/XXXX. I showed up with my mother and the gentleman I had the appt with ( XXXX ) was not there and suddenly no one knew who he was. We finally were told he had the day off and someone would get to us, two hrs later we were addressed by XXXX XXXX and he was to help us out. XXXX XXXX showed us a car that we were told would work out, took my information and again he was told the situation with my current vehicle he said it'd be about 10-15 minutes. Another two and a half hrs later we are approached by XXXX XXXX who was the XXXX person I have met so far. He pretty much told us the same thing that we needed money down and that " I needed to help him out, so he could help me out. '' He acted like he knew nothing about my situation and tried to blame the previous owner " XXXX XXXX '' when my mother and I reminded him we purchased the car at this location in XX/XX/XXXX of this year. { There is also DISCREPANCY with my original paperwork, the ODOMETER reading on all my paperwork including the title application shows a reading of just over 10,000 miles when my mileage is actually over 70,000 miles. } Needless to say they are refusing to help me and take responsibility for selling me a vehicle that should not have been sold. I have emailed the owner XXXX XXXX as well as the COO XXXX XXXX and have not gotten a response from either individual. I was told by the staff that it was because they were " Busy Men ''. I've also found out today that after 4 months my warranty was canceled and noone told me, I found out from the bank. I just need help and I am hoping you can point me in the right direction. Thank you for your time and I hope to hear from you soon.
|
| 11/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On Monday, XXXX XXXX, my XXXX XXXX XXXX XXXX was towed by XXXX XXXX from my place of work. This is the third time this has happened and I have NEVER gotten a phone call, email, or snail mail warning me of any late or missed charges. Thinking that this was my fault, my wife and I called XXXX XXXX as soon as possible to settle the charges. We paid {$2000.00} on one transaction ( confirmation # XXXX ) and {$970.00} on the second transaction ( confirmation # XXXX ). We completed these transactions with XXXX on Monday evening, who told us that she would email our information over immediately so that we could get the car the next day. We were promised email confirmations, and we received no such confirmations. We also spoke with XXXX XXXX, who sympathized with our situation and offered to pay for the tow payment on behalf of the company. He claimed he put this as a note on our account. The next day, I called at XXXX PST as instructed to learn where my car had been towed. I was told that the paperwork was never emailed over and that I would have to wait. I called later that day and was told it was at three possible tow yards and could take up to 48 hours to be released. How is it that the company that took the car does not know where the car is? Finally, I discovered where it was. Upset with the situation, my wife called XXXX XXXX again, explained the situation to the customer service rep, and got transferred to a manager, XXXX. XXXX told her that the payments had not been made and that my money was now theirs, fees included. She asked him multiple times if our account would be cleared after this fiasco and he danced around the subject and refused to give her a straight answer. Again, how is it that the company will not tell me when my account will be balanced? I do not want this to happen again. XXXX then continued to tell her that they call me every day telling me that I am late, but, looking through our phone records, there are no such calls. We have never been warned of late payments. Finally, when I got my car back an hour ago at a tow lot in XXXX XXXX, I noticed the " check engine '' light is on, the shift makes noise, and my center console is broken. None of this was off before the car was towed. Also, when I got to the tow yard, I had to pay to have my car released, which is not what XXXX XXXX promised us on Monday. When I called to inquire as to why they did not do as promised, I spoke with another supervisor who told me that XXXX does not have the clearance to waive fees like that and that we were responsible for all payments. We feel cheated and lied to. We are responsible people ; my wife is a XXXX and I am a XXXX XXXX XXXX XXXX XXXX. We have steady incomes and are able to make our payments. We are not asking for much. We just want the fees removed since this was obviously not our fault and we want a warning before such serious consequences happen. This has absolutely ruined our holiday and has put our lives on hold. ( Note : as of XXXX PST on Wednesday, XXXX XXXX, we have still not received ANY emails from XXXX XXXX nor any phone calls or any other communication with the company other than the phone calls we have made ).
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
What happened? Affidavit of fact from consumer XXXX XXXX XXXX XXXX Constructive notice public 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f.Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30- day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( e ) Notice provisions 15 U.S. Code 1692e.False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer was being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 HJR 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( XXXX ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but XX/XX/XXXX, XXXX Complaint Print XXXX XXXX XXXX XXXX XXXX
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander originally reported this account as a collection/charge-off which is fine. However this account was sold to XXXX XXXX XXXX XXXX according to their comments for XXXX. This means they cant report a duplicate account. If the account is sold then they should have removed it from their profile so I wont get dinged from them and XXXX XXXX. They never removed this account which I tried to illustrate to them. On top of that the account is reporting inaccurate and inconsistent information that violate my FCRA rights. I noticed SANTANDER XXXX had a discrepancy in the " high credit '', " date of last activity '', date of last payment '', date opened '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. XXXX and XXXX are showing my " high credit '' balance as {$10000.00}, however XXXX is showing it as {$8800.00}. If this is the same account, reported by the same creditor how are these numbers and dates different?
I also noticed XXXX XXXX XXXX XXXX had a discrepancy in the " account type '', " account number '', " date of last activity '', date of last payment '', date opened ', " company name '', " payment history '', " payment status '', " monthly terms '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX is reporting a " date of last payment '' of " nothing '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX and XXXX is reporting a " date of last payment '' of " nothing '' as well. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. Which means that for whatever reason this account was reaged. The company name for this account is inconsistent as it reflects as " XXXX XXXX XXXX '' for XXXX and XXXX but is registered as " XXXX '' for XXXX. Im not sure why these abbreviations are being used but it makes this confusing. The " payment status '' for XXXX and XXXX is showing as " collection/charge off yet XXXX is showing as " 120 days '' past due which is a violation if this is supposed to be a collection item. There are " monthly terms '' showing for XXXX which is also a violation because this account isnt reporting as a loan of any type. You have it showing as a ( 1 ) one month term. Finally if this is supposedly a collection account then there should be no " payment history '' showing at all. XXXX and XXXX are in violation as well. The account number is showing inconsistently as well. XXXX and XXXX are showing the " account number '' as XXXX yet XXXX is showing it as XXXX.
|
| 09/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
In XX/XX/XXXX, I submitted a complaint regarding my loan with Santander Bank. As of this date, Santander has not been willing to come to a fair and reasonable resolution.
In XX/XX/XXXX, I financed a XXXX XXXX XXXX with Santander USA. The cost of the vehicle was {$13000.00}. The finance charges for a 6 year loan amounted to {$12000.00}.
Total amount : {$27000.00}. During the time of purchase, a down payment of {$1100.00} was applied, reducing the balance to {$26000.00}. Over the life of the loan, I have submitted payments amounting to {$24000.00}. Given this Santander is reporting that I still owe {$7300.00} ( payoff amount ). Per Santander, this amount is the result of submitting late payments.
I have previously stated that the my finance contract is not clear. Nothing in the contract clearly states that submission of late payments will result in the increase of interest ; only late fees. Given my dilemma, I have researched what a simple interest loan is ... however, this is not clearly stated in my contract ; and is was not explained to me by the salesperson or finance person at the dealership. Knowing this, I would not have accepted the loan.
Financially, I am not doing that well at this time. I still owe money on my student loan, I have deductions taken out of my check to pay for other loans. This is not a good situation to be in at all. My wages are eaten up in bills.
I do not understand why this company would operate in this manner. It is understandable that all loans should be paid on time. However, given, the type of customers Santander approves loans for : bad credit - ( resulting in higher interest rates ). Why would extra interest be applied to a loan when one has shown a hardship in making payments?
In XX/XX/XXXX, my payments were current. Actually, in XX/XX/XXXX my next payment was not due until XX/XX/XXXX. Given this, I submitted two partial payments in XX/XX/XXXX or XX/XX/XXXX ; not sure. What I am sure of is, the full payment submitted in XX/XX/XXXX - no money was applied to the principle balance and the total payment amount was applied to interest??? I called Santander several times, and the matter was never resolved.
This is the type of unfair business practices that myself, and many other customers are experiencing. The internet has many complaints from customers expressing my concerns or similar concerns. Why?
This is not my first car loan. However, this is the first time that I experienced late payments resulting in late fees and additional interest.
If this is the practice of this corporation, an outline and clear breakdown of their practices should be stated in the contract. With the current reported balance, this contract will never get paid as additional interest is being applied to the loan when payments are late.
Please, I am asking that Santander works with me to payoff the remaining balance - {$26000.00} - {$24000.00}. Amount - {$1600.00}.
I read an article from XX/XX/XXXX that the CFPB was in talks of filing a class action suit against Santander. Whether this is accurate or not, legal action is a last result.
My request is that a fair and reasonable solution be the outcome.
|
| 08/10/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Please reference complaint # XXXX.
To Whom It May Concern, XXXX XXXX has failed to send the legal required accurate validation of this debt. They were notified that your actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
XXXX knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX intentional infliction of emotional distress and at the other diminishes of the quality of my life.
XXXX XXXX is fraudulently reporting this account with a balance of {$21000.00} and the past due balance as {$16000.00}. Please be advise my previous certified, notarized letter dated XX/XX/2018, requested your company to submit proof of accurate debt within 14 days from the receipt of the notice. XXXX not only failed to provide me with such proof of the debt but also failed to submit such documents to XXXX XXXX, XXXX, XXXX XXXX XXXX and The Consumer Financial Protection Bureau. Instead XXXX supplied proof to the CFPB, XXXX as well as I, confirming that the original agreement was for {$20000.00}, that XXXX received a total of {$14000.00} in payments from me in the form of check, XXXX and XXXX and that the car was sold at an auction in the amount of {$4000.00}. Which is proof that XXXX received a total of {$18000.00} for VIN # XXXX. That leaves a balance of {$2700.00}, which is the only amount that Im responsible for and willing to pay in order for this account to be resolved for both myself and XXXX XXXX ( co-signer ). As advised the original contract is considered NULL AND VOID.
I am now demanding the immediate and complete correction or removal of this account from my credit reports ( XXXX, XXXX, and XXXX XXXX ). Please note debt collectors are prohibited from giving false information. Under the Fair Credit Reporting Act, only accurate, timely, and verifiable information can appear on my credit report. For this reason, Ive advised and requested that the Credit Bureaus, XXXX and CFPB have the inaccurate collection account removed from my credit report.
Please understand that I am extremely concerned about the consequences of the actions XXXX XXXX is having on my life. Please be advised that, if this matter is not resolved by XXXX XXXX, I will take any and all necessary steps to protect my rights as well as form a class action lawsuit against XXXX XXXX. Per the CFPB I have grounds to do so as well as them investigating XXXX XXXX as this is only one of many claims against your company.
Thank you in advance for your attention to this matter.
|
| 12/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a XXXX Chrysler PT Cruiser from XXXX in XXXX XXXX California XXXX/XXXX/XXXX, I first was mislead to believe that I would be able to refinance my vehicle after 90 days so I would n't have to pay the high interest rate of 24.99 % which was the amount Santander Consumer USA was offering me. Once I could not refinance I attempted to pay my car off early to eliminate some interest fees, however, Santander would not allow me to pay toward the principle balance unless I could contact them on the day the payment was received for it to be applied as a principle payment ( I contacted them several times to ensure this was their standard procedure ) was told the same information. I also had to return my vehicle at least four times within the first few months of my purchase due to A/C not working, and after the repair shop at XXXX returned my vehicle to me the second time stating they replaced my A/C compressor, the vehicle has not been in good running condition nor safe to drive since then. I attempted to replace the vehicle and called the sales rep. that processed the sale of my vehicle, I was told to call XXXX XXXX Office and state my dissatisfaction, in which I did but it was to no avail, I had to have my vehicle transported to XXXX, Ohio in XXXX XXXX, at which time I had to pick my car up again from XXXX repair, this time my vehicle was in even worse condition ; my car was loud, making a clunking noise, vibrating from under the hood when in idle position or when XXXX was turned on, to the point that I could barely drive the vehicle, the front grill was hanging off and the hood was not replaced properly, which caused snow to blow through my vents during the winter. I attempted to have all these continual issues repaired but to date they are unresolved. I have continued to make my payments on time for 26 months at {$380.00}, I am no longer willing to do so, with a payoff balance as of XXXX/XXXX/XXXX, over {$11000.00}. I am willing to voluntarily surrender the vehicle to Santander, and would like to be compensated for having to deal with unfair sales and loan practices from XXXX and Santander. My vehicle form that was on the window at time of purchase stated that it had been Certified which covered my A/C, I would have never purchased vehicle that was in such poor condition nor did I expect to pay Santander charge extra fees of {$10.00} each time I made a installment payment with them over the phone, this addition was not in the loan agreement contract from Santander. I also had a extended warranty added to my contract for the agreement amount of {$1800.00} however, over a period of 72 months it would have costed me {$3700.00} since the additional amount added to my monthly note was {$51.00}. This means that my warranty would cost me more then the resale value of my car according to XXXX XXXX XXXX ( if the car was in fair condition ). This entire ordeal is totally unfair, time consuming and stressful. I have been incapable of keeping my doctor appointments and deal with my chronic pain issues and stress related issues due to not having reliable transportation. I hope that this matter can be resolved in a timely manner.
|
| 02/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This letter is being sent to you in response to notices sent to / from me from the Dept of Santander Consumer USA and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.
I have asked the Santander Consumer USA to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers including but not limited to : Validation of Purchase that shows I agreed to pay what they say I owe : Original Note / Signed Contract with my original signature Notice of Sale / Deficiency Notice Post Notice of Sale Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Santander Consumer USA that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Santander Consumer USA has not provided any of the requested information despite me sending 2 ( two dispute letters and a request for account validation NOT verification ) Since reaching out to Santander Consumer USA, action was taken which has been detrimental to all 3 of my credit reports and ( Santander Consumer USA closed the account and reported the file as a charge off without validating the account ), and I am consulting with my legal counsel for suit. The information provided by Santander Consumer USA includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.
The company Santander Consumer USA has failed to respond to this validation request and the information provided in the Original Note and signed contract must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } should be sent to me immediately.
I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
|
| 04/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX XXXX, XXXX I financed a XXXX XXXX XXXX thru Santander Consumer USA ( thru XXXX XXXX in XXXX XXXX, XXXX ) Due to my poor credit rating and desire to have that car, I agreed to the 24.99 % interest rate, the 72 months to spread the payment of ( {$13000.00} interest and {$14000.00} principle ) {$27000.00} over. XXXX XXXX the company I was working for went out of business. During the next 3 years my finances were touch and go, I was late on many occasions and 4 separate times I had to place two missed payments " on the back side of the loan, '' extending my loans maturity date, as far as I knew and understood, 8 month later than expressed on my contract. Maturity would have been XXXX XXXX, but due to the 8 payments on the back of the loan, my agreement should have been finished XXXX XXXX. I have not had any late payments since the last of XXXX I believe, getting my financial world back on track. The XX/XX/XXXX, I realized that my loan, which should have been just about finished, was showing over half my principle amount still due with additional interest. I have called many times since last summer to try and understand their mistake, because surely this MUST be their mistake. I continued payment thru last month, meaning I paid now 5 extra payments beyond my XXXX agreed to. The several representatives I have talked to over the years explained to me that the interest and penalties I incurred due to late fees and the penalties for putting those XXXX missed payments on the back side of the loan reflected in the " Amount Due '' section of my monthly statement, which, as of my XXXX XXXX statement reflects {$810.00}. I had asked the first representative I talked to the first time they gave me the ability to put two missed payments on the back, if I would incur additional interest, because if I do, take the car back. Her words to me were " it is illegal for us to charge interest on interest and that I would be charged the late fee and penalty. '' Lets now fast forward to XXXX XXXX, I have made XXXX payments of a minimum of {$380.00}, many times over the last year or two I paid {$400.00} trying to tick down that " amount due. '' Just going with my regular car payment XXXX times I have paid this company {$29000.00}. However they are insisting I still have a balance on my principle of {$6800.00} that is almost half of the original amount I borrowed, XXXX years, XXXX months and XXXX payments later. Now according to Santander, I will be paying this off for another 6-7 years when you factor in the interest. The representatives at Santander state they are within their right per my contract to do this and I can not for the life of me understand how they can. I was told straight out, I would be paying for an additional 8 months beyond my maturity date and assessed late fee and penalties, not never ending interest. Please, please help me get my well deserved, over paid for car title and end this nightmare with me, please. I do n't even care anymore about the extra money I paid them, I just want this to end, not go on for 6-7 more years. It ; s XXXX, plain and simple when someone is in the hardest times of the lives. Thank you.
|
| 12/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
As conditions stated for certified promissory note # XXXX, ( Accepted by Santander on day XXXX of XXXX XXXX. ) Santander in no longer legally entitled to or may collect for the listed collateral ( XXXX XXXX XXXX XXXX VIN NUMBER XXXX ) in accordance with FDIC laws on payment acceptance and honorary acts. Payment in the form of promissory note ( Legal tender ) was offered ( sent to Santander Usa ) on XXXX XXXX XXXX for ( {$25000.00} ) this amount would fullfil the payee 's contractual obligations, ending the contract and clearing said payee 's name of any debt that may be associated with listed account, and grant any and all collateral to payee. This payment was NOT SENT BACK ( ACCEPTED ). Payment from XXXX XXXX XXXX with co-owner XXXX XXXX will be deemed as accepted on the XXXX day of XXXX XXXX governed by conditional acceptance laws. Granting will be the above listed collateral and its integrities to the payee. Uniform Commercial Code U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS ( 2002 ) PART 6. DISCHARGE AND PAYMENT 3-603. TENDER OF PAYMENT.
3-603. TENDER OF PAYMENT.Since this issue I have had to obtain counsel ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contractual obligations.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Santander was asked to produce the following and have yet to comply.
Santander has been asked to provide the following supportive documents and have yet to provide any.
1.Present your payment regulations and guidelines. -Provided we have obtained a copy from your website that state and support the claimants cause. Show proof that accepted payments wo n't be honored and under what conditions will they not be honored under after acceptance.
2.Evidence that this customer 's ( promissory note # XXXX XXXX ( legal tender/payment ) was not accepted as payment. By your facility.- Review conditions of acceptance.
3. The conditions attached to the promissory note..that stated " if not returned within 30 days this instrument is deemed as accepted as full payment for the account number ( XXXX ) please explain how these conditions would not apply to your bank? Granted you are in a legal binding contract.
4. If the legal tender/ ( Promissory note # XXXX ) was sent back please provide evidence of to such action.
By law a consumer may request this information when disputing a payment with the creditor.
This company did not return my payment or deny it but they are refusing to honor it. Since this claim has been brought to their attention I 've been forced to obtain counsel due to no compliance on their end. A cease and desist order was issued to them, and they are still actively attempting to collect from me.
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
My fiance and I co-signed on a car loan through Chrysler Capital for a used XXXX XXXX XXXX for {$17000.00}. By the time we had signed for the car and saw our loan balance it was {$23000.00}. They did not tell us the APR percentage as we were first-time car buyers eager to own our first vehicle as a family with a son on the way. Within 6 months of having our loan ( $ XXXX monthly payment on a 6-year loan with a 29 % APR ), our car was repossessed. The tow yard they took our vehicle to refused to give us our personal property ( including urgent medications and continued to say it was not in the vehicle ) unless we paid {$150.00}. We ended up having to borrow money from relatives because losing the car and having a loan for {$10000.00} more than the car was worth was not something we could afford and would ruin our chances of having a vehicle for the next 6 years. We borrowed {$2300.00} in total to get our car released back to us. We have successfully paid every month since then, besides 2-3 late payments due to job loss from COVID-19. We were speaking with a relative about our car loan and APR and they were floored and said that is an illegal practice, so I looked into the consumer finance website. I was going to file this a month ago so we could get a FAIR payment on the value of the car at purchase, but unfortunately, I was getting onto the XXXX on the on-ramp and a coyote darted in front of me, I swerved to the left to avoid it and there was no guard rail so I ended up flying over a hill and the car crashed back onto the floor in an embankment full of trees which I avoided, but all of the airbags went off, thus totalling the car. It is now worth less than {$4000.00}. I contacted my insurance agency ( XXXX ) and they took a month to complete my claim and tell me that it would not be covered to get my car out of the tow yard. I then contacted relatives and was able to secure a personal loan for the value of the vehicle and the tow yard fees. I then called Chrysler Capital and offered them that amount in return for closing my loan out so they would not lose money on getting my vehicle from the tow company, on top of letting them know if they do not accept the offer we will BOTH have to file for bankruptcy because we can not pay {$16000.00} on a car that they took back and sold, on top of paying the exorbitant interest rate they charged us. They refused, got the car from the tow yard and are set to sell our vehicle XX/XX/XXXX for less than {$4000.00} and we will still owe {$15000.00} for a car we do not have. This is my last step before my fiance and I both file for bankruptcy. Any help would be SO greatly appreciated because we were truly being used for our low credit so they could make money on top of the millions they profit, while we are left bankrupt, without a car and a XXXX-month-old to care for with no transportation. We also just received an offer in the mail to refinance through an entirely different company for {$340.00} a month, cutting {$160.00} from our bill. Every time we called to refinance they said they would not due to the repossession that happened due to Chrysler price gouging us.
|
| 06/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On or about the month of XXXX of XXXX I reached out to Santander in reference to a payment the company misplaced and failed to notify me when they supplied the negative credit information to all three major credit bureaus. The company refused to give me feedback in reference the payment. I was hung on by multiple representatives when I requested to speak with management. I continued to make my regular monthly payments, however I requested a due date change. Although, via phone calls throughout the years I was told I could not change my due date due to delinquent account. Once in XX/XX/XXXX when I requested a due date change I was not delinquent and still was denied. In XX/XX/XXXX my brother passed away. I immediately contacted Santander and notified them as I entered a financial hardship and request to pay a portion of my loan due to the unforeseen circumstances. I was informed by a representative that it was ok but instead get an extension. When I reviewed my credit final I had two late payments reporting, which I knew nothing about. I was told I qualified for an extension for the two reported late months. Santander engaged in deceptive servicing practice and actively misled me about my rights, and risks of the partial payment and loan extension risk. Santander was aware of their actions would cause harm to me, but went ahead and did it anyway. Santander went on to continue to give reporting agencies inaccurate information about me from XX/XX/XXXX to today XX/XX/XXXX along with the previous months. I've disputed with All three major credit bureaus who directed me to SANTANDER in reference to the inacurate information. I disputed with Santander on multiple occasions. Santander failed to follow guidelines for handling disputes. I never received any call backs in reference to my disputes. Santander did not note my disputed debt nor did the company correct any of the wrong information. Through my most recent dispute to XXXX, Santander submitted incorrect information even though it had been reported. I disputed my account with XXXX on XX/XX/XXXX and Santander updated the account as open with a balance of {$13000.00}. Santander knew I paid my loan in full as my pay-off letter states XX/XX/XXXX via check certified mail. Ultimately the company failed to conduct an internal investigation of my disputes within 30 days on multiple occasions nor provided a reasonable procedure to submit a written dispute. Santander failed to exercise proper care or take action that a reasonable person would not regard to my credit information. Santander also exposed me to unnecessarily high levels of risk through high loan to value ratios, significant backend fees, and high payment to income to income ratios. Santander also violated my consumer protection by exposing me to high levels of risk and knowingling placed me into an auto loan with a high probably of default. After contacting Santander for the last time in the month of XXXX to go over my account. I was told by a representative to call my attorney general. I then asked about the fees on my account and the high interest rate I was told contact my attorney general.
|
| 10/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I obtained a loan through XXXX to purchase a vehicle. Approximately one year into the loan my account was transferred to Santander Consumer. Once Santander obtained my loan, they modified how my payments were being allocated and as a result my loan has been extended and my pay off amount never seems to change despite my payments. I asked for Santander to send me a breakdown of how my payments were being allocated. They refused. They began harassing me at work despite the fact I asked them to never call my job. I reported the harassment to the XXXX and that prompted Santander to stop sending me any statements at all. Each time I called they transferred me to the bankruptcy department, the office of the president, the charge off department, to XXXX, every where but to someone who could help me. I was told that they can only communicate with my attorney to which I told them numerous times I did not have. They keep repossessing my vehicle as a means to pad my account with charges since I have been questioning how I could possibly owe half of the loan six years into owning the vehicle and paying on it. Each time I call I get different information all amounting to nothing. They have ruined the credit I have been trying to rebuild. Santander is not operating with good business practice by no means. I now too many people having the same issue with how Santander applies payments. They have now repossessed my vehicle for the fourth time in a year. I am seeking some relief and plan on suing them in court. Santander claims that I asked for a cease and desist which I NEVER did at any point. I asked them to obey the law and not cal l my place of employment. Words can not express the level of frustration, embarrassment, and harassment that this company has put me through with their unscrupulous business practices. It is as though this bank is operating under it 's own guidelines without much respect for anything legal. This bank is failing, and they plan on staying afloat by manipulating the poor those of us trying to rebuild such as myself. Who is policing this bank? Is the government going to allow the same thing that happened at XXXX XXXX to go on indefinitely at Santander. At one point when I asked the representative to stop calling my job she kept asking me to give her the number that I do n't wish to be contacted. I refused to repeat that number because they digitally record the phone conversations then manipulate the recording to make it sound as though I am giving the phone number as a contact point. When I said to her, these are the only two numbers at which I can be contacted, then gave her my home and cell numbers, she called me dense for not wanting to repeat the number where I did not want them calling. These are the underhanded tactics they employ at Santander. They also do business with other unscrupulous businesses. The second time the took my vehicle, the repo company damaged and stole my XXXX from my vehicle. Santander has stuck me with the bill of repairing my vehicle. I hope someone here can assist me or at least point me in the direction of where I can get some relief from these thieves.
|
| 11/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
After reconciling this loan for a second time, I found that Chrysler Capital has been miscommunicating with me since XXXX regarding my loan which caused issues with my payments that should not result in my having to pay the late fees and be punished by reporting late payments on my credit reports as it is not my fault they have failed to communicate with me. If they do not communicate with me properly through all communication channels then how am I supposed to know there is any discrepancies with my books vs. theirs. After this last reconciliation of my account, I found the following issues : 1. My email address was changed back in XXXX from XXXX to XXXX. I notified Chrysler Capital AND the old email has a auto rely that states it is no longer monitored and to please use/change to the new one. They were email statements only to the old email address. I have not received proper communication as a statement or letter regarding the loan to a correct email address OR to my physical address. I had nothing to reconcile against monthly which resulted in me making double payments on a couple different occasions then skipping the next month thinking that I was paying twice to pay ahead. This was found to be wrong while MYSELF reconciled the account in XX/XX/XXXX to find this was incorrect.
2. I changed my cell phone number to XXXX back in XXXX and notified Chrysler Capital on multiple occasions. When reconciling this account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my main phone number was " invalid ''. They never updated my phone number. This resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX.
3. My work number has not changed either. When reconciling the account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my work phone number was " invalid ''. This is false information as my work number is still an active number. This also resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX. They could have reached me at work at any given time.
4. This is a joint account and they have the joint account holders information. Once again if there was any discrepancies on the account they could have contacted them to get this resolved instead of waiting for me to " CATCH '' the issues.
How am I supposed to know their is a discrepancy if I am I'm not notified correctly to reconcile when on my accounting books I showed something different then them? This is poor communication and miscommunication by Chrysler Capital that I should not be punished for. If I would have known about the discrepancies sooner that I would have resolved them before XX/XX/XXXX.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My wife and I took out an car lease with Chrysler Capital in XX/XX/XXXX. The car lease was over 36 months at a monthly cost of approx {$450.00}.
We signed up for Autopay and the first 35 payments were all paid in full and on time using this process. We received a number of calls from Chrysler Capital in the final month, informing us that we had excellent credit and because of our excellent payment history they offered a number of incentives to enter into a new lease. We decided not to do this as we did not want another vehicle from Chrysler.
Ahead of the 36th and final payment ( which was due on XX/XX/XXXX ), and for reasons unknown to us, the Autopay was cancelled.
As there was equity in the vehicle, we decided that we would sell the vehicle to a dealer and keep the remaining equity for ourselves. We requested a settlement figure from Chrysler Capital - this was provided to us on XX/XX/XXXX and expressed that the settlement figure ( of approximately {$20000.00} ) " was good through XX/XX/XXXX ''. The settlement figure included the final monthly payment of {$450.00}.
Between XX/XX/XXXX and XX/XX/XXXX, we attempted to sell the vehicle to two different Chrysler dealers, but after some time were then advised that it was not possible to sell the vehicle to a dealer in the final month of the lease.
As a result, we had to purchase the vehicle ourselves and we requested another settlement figure from Chrysler by phone on XX/XX/XXXX. I attempted to pay the amount due over the phone by card ( including the final monthly payment ). I was advised by the customer service agent that it was not possible to make the payment by phone and I would need to mail them a check.
I expressed concern to the agent that this would result in me becoming delinquent with my payment - both the XX/XX/XXXX deadline from the settlement figure and with the final payment becoming 30 days past due on XX/XX/XXXX. The agent told me that I had no reason for concern and that as long as the check was mailed in the coming days then there would be no problems.
Nonetheless I sent the check for approx. {$20000.00} that afternoon ( XX/XX/XXXX ) by overnight service from XXXX.
We received the title documents from Chrysler Capital a couple of weeks afterwards and confirmation that the account was closed and satisfied in full and we thought nothing more of the incident.
We are now applying for a mortgage and discovered in XX/XX/XXXX that our credit score has fallen by approx. XXXX points each as a result of Chrysler Capital declaring that we were 30 days late on the final payment of the lease ( and reporting it to all 3 bureau ). According to records from our online account, Chrysler Capital applied our check to the account on XX/XX/XXXX, some 6 days after it would have been received at their offices.
We have contacted Chrysler Capital through their dispute resolution process and they stated that they had found no reason to change their reporting. They did not confirm they had listened to the call recording from XX/XX/XXXX.
We have otherwise a perfect credit record and have always made all of our payments in full and on time.
|
| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, SD to purchase a newer vehicle. I fell in love with the XXXX XXXX XXXX I test drove and now am the owner of that car and have been since that day. I was guaranteed financing by XXXX XXXX the sales person I had but when I got there they had issues finding financing for me due to my bad credit history. Ultimately I was still able to get the car as they said Santander Consumer USA would finance my car. Weeks later I was getting harassed by the finance guy I had ( can not remember his name ) by telling me I lied about my income which I did not in any way ( I was just starting a new job in XXXX at an XXXX XXXX XXXX authorized XXXX XXXX and was offered and accepted the job for $ XXXXhr plus XXXX XXXX commission. Saturday night, a day and a half before I was going to start, my manager calls me at XXXX to let me know my pay was not going to be $ XXXX/hr and it was going to be $ XXXX/hr and XXXX XXXX commission. I was trapped by that awful company and had no other choices as I turned down the other employment offers when I had taken this one at XXXX/XXXX and XXXX XXXX commission and had my new car to pay. ) I informed the finance guy I was working with and sent proof of the severe pay decrease. A couple weeks later I had not received the check to pay the tax on my car at my local DMV when I bought the plates and my temporary dealer licence window paper expired and the dealership told me to still drive it even though it is illegal. The financing guy told me they were having a hard time getting santander to finalize the auto loan and it took a couple months. Santander Consumer USA and XXXX XXXX asked me to pretend that my coworker with the same job title and position I had pretend to be from the hr department to verify my employment as my store manager was off that day. I did not do that as it would have been fraud. A few days later I got a DENIAL letter from Santander Consumer USA for my auto loan and I called to inquire about it and was told by numerous employees they had no record of me being sent a DENIAL letter or any reason I would have received one. My interest rate is over 20 % and awful and I am a victim of these predatory lending practices. I was given a loan with payments I could not afford. Nearly {$420.00} minimum payment to cover the interest and very little principal. I was making $ XXXXmonth after taxes and I am a single mother and sole provider of XXXX children I have 100 % of the time with no shared custody or visitation. I was also called a piece of XXXX customer by XXXX XXXX the General manager of XXXX XXXX in the stores lobby in public at a table and asked what he could do to never get me to be a XXXX XXXX customer ever again. I was crying and bawling in the lobby at the table in public at XXXX XXXX in XXXX XXXX, South Dakota. I need your help please!!! I have defaulted on my santander consumer usa auto loan a few times including my very first payment. also, the finance guy I worked with at XXXX XXXX forced me to buy the service contract and said if I did not get it, I would not get any approved financing and that is not legal.
|
| 05/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Statements of Fact : 1. On or around XX/XX/XXXX, I did finance a XXXX XXXX through Santander, for which I paid regularly {$530.00} every month without failure. I paid always on time.
2. On or around XX/XX/XXXX I, informed Santander that I had lost my job and would likely voluntarily surrender the vehicle if I did not secure another job in a timely manner.
3. On or around XX/XX/XXXX, While still current on my car payments, I called Santander to plan a voluntarily surrender of the vehicle. I was never told I could only voluntarily surrender the vehicle in Texas.
4. On XX/XX/XXXX I spoke to several people at Santander and I followed up with email and other forms of electronic documentation when I was told to my dismay that I must drive the vehicle back to Texas for voluntary surrender.
5. Being that my airplane was scheduled to leave XXXX on XX/XX/XXXX for overseas travel, I informed XXXX and several other employees at Santander that it would be cruel and unusual punishment to force me to drive the XXXX XXXX back to Texas for voluntary surrender.
6. Records of all attempts I made to voluntarily surrender the vehicle are easily obtainable either from me or from Santander. I still have records of workers at Santander telling me I must drive the vehicle back to Texas as the only condition for voluntary surrender.
7. I provided address at XXXX A, XXXX XXXX, NY XXXX for Santander to send their agents or representatives to meet with me for a voluntary surrender of the vehicle.
8. Till XX/XX/XXXX I saw no one. All my requests were ignored. I was told Santander keeps records of phone conversations. I sincerely hope this can be made public so, all can see the frustration and humiliation I suffered.
9. I requested to know where I would leave or send the car keys. I was specifically told Santander does not need the car keys since Santander has already decided to repossess the car.
10. I voiced my disagreement both over the phone and in writing because I was current on my payments and yet Santander preferred to repossess the vehicle rather than accept my voluntary surrender.
11. I travelled overseas and for a period of over two months called my family continuously. I was shocked the car was packed for several weeks. No representative of Santander came to either voluntarily pick up the car nor remove the car for several weeks after I left the country. Being overseas I was handicapped. I could only wait till I returned to the USA.
12. I have kept records of my conversations with Santander including records of staff and their positions in Santander I spoke with. I was also informed by staff at Santander that records of my phone conversations will be preserved. All messages I exchanged with Santander in my account with Santander will confirm these facts. I encourage you to conduct your own investigation to see that I have provided only verifiable facts. Thank you.
Thank you for resolving this matter and making me whole. I have suffered terribly and unnecessarily. This cruel and unusual treatment needs to stop immediately.
Yours Sincerely, XXXX XXXX, XXXX XXXX XX/XX/XXXX Dispute by Mail
|
| 09/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Chrysler Capital/ Santander has been awful.
I bought a XXXX XXXX 3 years ago so it is under the Chrysler umbrella. This was a brand new car and I was swindled big time by the dealership and Chrysler Capital funding. This car I should have only paid maybe XXXX but I paid XXXX they took advantage of a single mom out of a divorce with zero child support and there with her XXXX kids trying to get a car with crappy credit from divorce which is now much better. The 19 % APR on this car means that after 3 years I still owe XXXX even though I have paid XXXX on this car already. At this point the car is now under water being worth maybe XXXX on a good day. Not only that but XXXX does not stand by their cars and I was sold a piece of crap. I have had to fix the head gasket, radiator and now the catalytic converter is bad and XXXX has a recall but my car is not on the recall yet and will have to wait until it is. All expensive fixes for a 3 year old car. XXXX has not been helpful and now the fumes from the XXXX XXXX because of the Catalytic Converter now affect my children and me. This car is unsafe and has been a nightmare financially since I could not refinance an underwater car so I am stuck with a car that can kill us. Also I have reached out to Chrysler Capital and have asked them multiple times to lower the APR and their service reps basically laugh at me and say they do not do anything to help even though they send out letters that they have programs to help. When I call in they just say what date are you making a payment. Also I have been locked out of my online account for months on Chrysler Capital and they still have not fixed after asking multiple times. Right now I am stuck with a bad catalytic converter on car waiting for recall and I have XXXX on this multiple times and they ignore and they should last longer in CA. Chrysler capital which has literally been zero help with the worst purchase and financing of a car not worth any money and making over XXXX on this car. Which is so corrupt and predatory. I am filing this complaint because I want this to be noted at how they are scamming people and trapping them with no way out.
They are also selling products that are not worth their weight or payment and overcharging and then not standing by the product. The only way out of this nightmare would be to give them back the car which I would gladly do but it would kill my credit which I have worked hard to get back up. Even though as of now with me paying them XXXX I have basically already paid for the car XXXX XXXX XXXX and brand new basic package should have only been XXXX XXXX XXXX XXXX and XXXX scammed me really was too. They ignored me after the sale too and the way the dealerships treat women is abhorrent. I am filing this claim so people know the truth about these companies and how bad XXXX is and how they scam trusting people and how low they really are. I am sending out same letter to multiple outlets and I hope social media will help in getting this out because these scams should be taken seriously and should be investigated by CFPB because I know I am not the only one.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXXmonth timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : XXXX. Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ], Section XXXX of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ XXXX XXXX. XXXX ] ; XXXX XXXX XXXX a ) ( XXXX ) [ XXXX ], and XXXX.
CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXXdays as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX with XXXX XXXX. I was told I would be receiving my welcome packet in the mail from Chrysler Capital financial and my traded in vehicle a XXXX XXXX XXXX would be paid in full. Days and days went by with nothing in the mail and a late fee hitting my account for my XXXX XXXX that still was not paid off. I called XXXX XXXX who was less than helpful and was told that I should be receiving the welcome packet in the mail any day now and that my previous car loan could call them if they had any questions regarding my purchase however they will be receiving their check any day as well because the bank has all the paperwork at this point. Several more days went by and still no welcome packet in the mail and still my previous auto loan was not paid off as I am receiving daily phone calls from XXXX XXXX in reference to my loan being late. Several more days went by and I called for a third time on XXXX/XXXX/XXXX and after it was looked further into because the finance XXXX could not understand what was taking so long I was told I would be getting a phone call back by XXXX which never happened. I called again on Friday XXXX and was told the person who was working with me was scheduled off and could not speak with him until he returns to work. I called again on Monday XXXX/XXXX/XXXX and was told by XXXX XXXX who was back to work that his bank rep was still looking into the problem. At this point my temporary tag on my new vehicle is expired by three days and when I brought it up I was told just pay the ticket and you will be reimbursed. Then I received another email from XXXX XXXX on XXXX telling me that the problem was still being looked into and now I need to come back into the dealership and resign all new paperwork because my first contract was apparently lost somewhere and nobody can locate the original paperwork. Nobody ever reached out to XXXX XXXX my previous auto loan company to fill them in on what is going on and I am still receiving daily phone calls from them in reference to my payment being late. On Friday XXXX I went back to XXXX XXXX and had t resign a new contract which was dated XXXX and when asked about it they said it is supposed to be that way. I was told prior to leaving that since my first contract was lost somewhere this contract would be expedited through the process and my previous loan through XXXX XXXX would be paid off without a doubt by XXXX so that my payment with them does not reach 30 days past due which at that point makes my payment late and reported to the credit bureaus. I called again on XXXX and was unable to get a hold of anyone from finance. I asked to speak with XXXX XXXX who was off and XXXX XXXX who is another finance XXXX would not come to the phone to answer my questions. As of the time and date of this complaint I am still waiting for my welcome packet from Chrysler Capital, Still waiting for my registration and inspection which is now XXXX weeks expired, and still waiting for my previous auto loan through XXXX XXXX to be paid off which is going to be reported as a late payment to my credit.
|
| 02/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXXI went with my sister to get a car for her business.She decided to go to XXXX around 4 or 5 pm. I spent about an hour waiting in the car for her to get done because she needed someone to drive the vehicle back. When she came outside she let me know that they had advised her to get a cosigner. I let her know that I only make about 8k a year so I wasnt sure if i would help but i would try. When we sat down with the car salesman he presented me with a contract. I wasnt given a chance to read it im not sure if it was because they were about to close, but they had all of the signature places highlighted and directed me to sign and initial the contract. I did not receive a copy of the contract at that time. I also never received in documentation of the payments required, the principal amount or even given access virtually to this information.
It wasnt until there were multiple late payments listed in early XX/XX/XXXX that I noticed there was an issue of non-payment. I reached out to my sister but she was unresponsive. I tried to reach out to Santander multiple times, On our first call, they asked me for my address and phone number, Which proves they never had my information in the first place. After several attempts to resolve the issue with Santander by phone and by mail I was forced to file a complaint with the XXXX. Through the XXXX I was supplied the contract which I will include for documentation purposes. You can see that in XX/XX/XXXXthe XXXX XXXX XXXX XXXX address that was mentioned was not my address. I lived with my dad at XXXX XXXX XXXX which he will verify upon request. I will include picture of ID for further verification. I did not receive mail from either XXXX or Santander to either of these addresses. I also noticed that the car had been transferred out of state without notice to me after reviewing the contract that they sent to me through the XXXX. They never attempted to repossess the car per my knowledge and now the car has conveniently disappeared. I told them that I didnt know where the car was but I told them to repo it and per their own documentation they did have knowledge of its location that wasnt expressed to me until my complaint with the XXXX. They obviously didnt do their due diligence in trying to get the vehicle or they did and never reported it.
After the complaint they did not send me any more information or try to solicit payment. The account was then put into charge off status, again another aggressive move without notice and it wasnt until after then that I started receiving calls. Yet even in its current status they continue to increase the balance of the debt and add additional late payments. Also there are discrepancies between the bureaus reporting of the account. I believe that XXXX is still reporting late payments and it shows a charge off date in XX/XX/XXXX. While transunion just shows last payment which was in XX/XX/XXXX and an unknown charge off date. They have increased the debt amount since then, which I had to dispute separately. And if you look at the document with the contract you can see the inconsistencies.
|
| 12/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My Fiance and I needed a second vehicle but neither of us were working at the time but my Fiance had a job lined up. We were looking at a used vehicle at XXXX XXXX XXXX on XX/XX/XXXX. The dealership told us to submit an application to see if we were approved. I accidentally submitted it to the wrong XXXX. dealership ( XXXX XXXX XXXX XXXX ). A Salesman of the name XXXX XXXX called and said since we already submitted an app with them on accident for us to come in and they will take care of us. We went into the dealership and we explained our situation. That My Fiance had a job lined up and I recently left mine. He then explained do not worry about it just get us old pay stubs and put her income down for her job she has not started yet. I feel both of us were manipulated into trusting him and the company. After spending 8 hours at XXXX XXXX they finally came up with a deal. They said after 6 months of payments the lender ( Santander ) would be able to lower the interest rate and had me sign a piece of paper. They lied to me to make me sign the papers. Our current interest rate is 16.78 % Total financed XXXX I told the Finance manger we did not want extended warranty or any adons. he said no problem. After signing the paperwork I notice that he added XXXX dollar extended warranty. I've been trying to cancel it for over a year. We finally got back to Florida and stopped in. We got a copy of confirmation that it was canceled with a full refund. Its been months and have not seen the credit. We have called both the dealership ( XXXX XXXX XXXX ) and Santander Consumer USA about the lower interest rate agreement and Extended warranty and neither company is willing to help. I filed chapter XXXX bankruptcy so Santander has not tried to collect from me or my Fiance that did not file. We got a letter that they are repossessing the vehicle XX/XX/XXXX with no other warnings. We called weeks before this letter and they told us it was fine if we made the payment at the end of XX/XX/XXXX. But they sent us a letter of threatening to tow.
We are in desperate need of help from a fraudulent shady dealership conning us into a vehicle we can not afford and Santander USA for not lowering our interest rate on agreement with XXXX XXXX XXXX and not helping us with lower payments/interest. We told XXXX XXXX we can not afford the payments. They insisted that Santander will make a lower interest and a payment we can afford and had me put initials down on the paper that I did not get a copy of. I also believe XXXX XXXX manipulated our info so that we are approved for the loan.
In 4 days we are getting the vehicle repossessed with no help from Santander with lower payments or any negotiation. The book value of the vehicle is XXXX. We still owe XXXX and Santander will come after us for over XXXX in deficiency balance.
XXXX XXXX did not ask us for proof of income/paystubs. I also was charged XXXX for a down payment that I was told was needed for the approval. I filed a complaint with the XXXX and XXXX XXXX offered me a free oil change and assured me the finance manager that helped me was fired.
|
| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : GATEWAY ONE LENDING 160 N Riverview Dr Ste 1 Anaheim, CA 92808 ACCOUNT # 201208 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My payment history is 100 % PERFECT and Santander Consumer USA " can't '' remove 1 late mark in result of Covid-19. I was told I could pay later in XXXX, & they wouldn't report me late. I believed them. Now, there's a late mark on my credit report from Santander.
Santander needs to delete this as I signed an Extension Agreement to cover this billing cycle : XX/XX/2020 & XX/XX/2020. My loan has been extended, delete the late mark. What do they gain from damaging my credit with a late mark?
What I'm asking for is very simple yet they make it difficult.
We were all quarantined without income. I spoke to them before paying late. I signed a payment extension. The extension covers the late mark month. I spoke to the executive offices who didn't lift a finger even with all their capabilities. A family member passed due to Covid-19. I live in the Epicenter of this disease and they can care less.
In addition, Santander sent me a letter stating they are waiving customers late fees while they billed me a late fee for XXXX and never waived it. Meaning it's all talk and lies.
If you search " Santander Covid '' in CFPB searches you will find 20+ cases where you can clearly view Santander Consumer USA doesn't care about helping those impacted by Covid-19. They are billing clients fees during these times and reporting them late to the bureau 's.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here are other claims from clients in the same situation as I : Claim XXXX : Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XXXX XXXX as I was just laid off. Payments were to begin XXXX. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. I noticed a late payment date of XXXX for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all XXXX of my credit bureau profiles.
Claim XXXX : I spoke with at XXXX specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with XXXX misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with XXXX as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report.
Claim XXXX : Received an extension from XXXX XXXX due to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive.
The interesting thing about this is Santander Consumer USA has the power to make this right by at least removing those Covid-19 related late marks.
|
| 07/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I XXXXXXXX XXXX XXXXXXXX the consumer and creditor went to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX to complete a consumer credit transaction for a new vehicle for personal use. XXXX XXXX in XXXX with Santander Consumer USA violated 15 U.S.C 1692j ( a ) and 15 U.S.C 1692j ( b ) regarding the agreement. Additionally, Santander Consumer USA violated 15 U.S.C 1692e ( 11 ). Pursuant to 15 U.S.C 1602i and 15 U.S.C 1691a ( e ) Neither XXXX XXXX nor Santander Consumer USA are creditors. The agreement states XXXX XXXX XXXX XXXX was giving a security interest in a new XXXX XXXX XXXX. 12 CFR 1026.2 ( a ) ( 25 ) TILA Regulation Z states security interest secured payment or performance of any obligation. I received a communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF RIGHT TO CURE DEFAULT REQUIREMENT OF STRICT COMPLIANCE. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 6 ) ( C ), 15 U.S.C 1692f ( 8 ), 15 U.S.C 1692g ( a ) ( 1 ), 15 U.S.C 1692g ( a ) ( 2 ), 15 U.S.C 1692g ( a ) ( 3 ), 15 U.S.C 1692g ( a ) ( 4 ), and 15 U.S.C 1692g ( a ) ( 5 ). I understand my ignorance of the law at the time allowed Santander Consumer USA to secure 50 % of the security interest with the State of Florida, however that doesnt constitute the fraud and theft committed by Santander Consumer USA. On XX/XX/XXXX Santander Consumer USA sent an unauthorized third party who had no connection on signature on the agreement to steal the XXXX XXXX XXXX. This action was in clear violation of 15 U.S.C 1681 ( a ) ( 4 ), 15 U.S.C 1681 ( b ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), and 15 U.S.C 1692f ( 6 ) ( C ). After the theft I again received communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF OUR PLAN TO SELL PROPERTY. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 6 ) ( A ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 1 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 8 ), and furthermore proves theft. Lastly Santander Consumer USA sent another communication dated XX/XX/XXXX and titled CALCULATION OF SURPLUS OR DEFICIENCY. This correspondence was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692c ( b ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692f ( 1 ), and 15 U.S.C 1692f ( 8 ).
|
| 05/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/21, a credit consumer transaction took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) where I, XXXX XXXX, used my credit card ( ss # ) to sign a promissory note in the form of an installment " contract '' in which the 1ST lien holder, SANTANDER CONSUMER USA, took a security interest. During the transaction, XXXX XXXX, explained that I, XXXX XXXX will receive an " auto loan '' ; however, according to XXXX, I am the authorizer of this promissory note. Therefore, as a result, there was no " loan '' involved during the credit consumer transaction.
Pursuant to 15 USC 1635 ( a ) -- as a consumer, I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so.
On XX/XX/21, I, XXXX XXXX with notarized administrative process sent certified mail receipt ( XXXX ) to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) to no avail and no return.
Furthermore, there were numerous Federal Consumer violations within the said, " installment contract '' which are attached with invoice with affidavit. Not to mention, SANTANDER CONSUMER USA sent a bill. The document is misleading because I, XXXX XXXX have no obligation and can not pay a debt with a debt ( Federal Reserve Notes ), Pursuant to 18 USC 8 -- It reads -- The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps I, XXXX XXXX, the natural person do not owe a debt.
SANTANDER CONSUMER USA, has been harassing me, the natural person about collecting a debt via phone ( leaving voicemails ), emails and mail Pursuant to 15 USC 1692c. ( c ) -- I notified in writing to SANTANDER CONSUMER USA on XX/XX/21 that I refuse to pay this alleged debt, and I am demanding to cease all forms of communication with me, the natural person through any and all mediums.
Attached are screenshots of calls and emails.
Additionally, are listed below employee ID # XXXX from SANTANDER CONSUMER SERVICING DEPARTMENT AUTO FINANCE COMPANY in correspondence to the call : ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ( XXXX OFFICE - XXXX XXXX
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The following are my complaints to these companies that pulled my credit report without my knowledge and authorization : 1. XXXX XXXX XXXXXXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Tel # XXXX. I called this company and i was told to call the dealership that submitted my information to them, and XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX Tel. # XXXX, said they did not submit inquiries any other dates other than when i purchased a used car from them on XX/XX/XXXX.
2. SANTANDER/Chrysler Capital - Inquired XX/XX/XXXX P.O. XXXX XXXX XXXX, TX XXXX. Tel # XXXX. This is the same case as XXXX XXXX XXXXXXXX, complaint # 2 they did not want to do anything to assist me and was told that it was submitted by the same dealership mention in # XXXX XXXX XXXX XXXX.
3. XXXXXXXX XXXX, XXXX - Inquired XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Tel. # XXXX. I did not apply any credit card with XXXXXXXX XXXX XXXX on this date the credit card i have with XXXXXXXX XXXX was issued XXXX of XXXX. I called them but they're very rude and not willing to help.
4. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Tel. # XXXX. They said its Real Estate on behalf of XXXX XXXX. I did not apply for any real estate loan then or now and anytime soon.
5. XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( no tel. number given ) This company I have called several times and have not and is not willing to take down this inquiry. They said that they receive an application through their website and i told them I did not apply for any auto loan with them because if i have to go through a bank i will go to my bank first, I had my XXXX XXXX XXXX at the time and did not My recent auto loan was XX/XX/XXXX.
6. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. I have a XXXX XXXX XXXX credit card that has {$5000.00} credit limit and is locked, this inquiry is unauthorized.
7. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Same company with complaint # 6 who ran my credit again twice on the same month. I already have my XXXX XXXX credit card that has a {$5000.00} limit on it that i don't even use. I had this credit card since XXXX.
8. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Just like with my # 6-7 complaint, the same credit card company but with different PO Box number, in a matter of three months they ran my credit again for no reason.
9. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. This company did not report that the auto loan has been fully paid in just three months that my husband and i made a purchased of used car, and it's still on my credit.
10. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. The same company as complaint # 9, they ran my credit two different times without authorization, and auto loan has been fully paid the same year, just in a matter of three months from purchasing one used vehicle.
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX Santander was sent a Notice of Demand and Verification of Debt Claim that respondent did not respond as required to.
On XX/XX/XXXX Santander was sent a XXXX notice and Demand alleged debt notice, that the respondent did not respond as required to.
On XX/XX/XXXX Santander was sent a XXXX notice of opportunity to cure that the respondent did not respond as required to.
XX/XX/XXXX Santander was sent a XXXX Notice sworn certificate of default that the respondent did not respond as required to.
On XX/XX/XXXX, XXXX was sent certificate of non response.
I am conditionally accepting Santander demand to surrender possession of the XXXX XXXX XXXX XXXX on proof of Claim that Santander is the lender in fact.
Santander is the holder in due course.
Santander has not securitized the XXXX XXXX XXXX XXXX Receivables. thereby making it unenforceable.
After weeks of research pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX et. XXXX, this constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay the erroneous, purported debt Notice which is unsigned and unattested and which I discharge and canceled in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement.
Santander, contract violates the national Bank XXXX of XX/XX/XXXX. XXXX, wherein only lawful money based on personal security XXXX be loaned see also title XXXX & XXXX paragraph XXXX of the XXXX so I am challenging the validity of any alleged debt under Article XXXX & XXXX of the constitution of the united states, in its entirely of any alleged debt under the fair debt Practices Collections XXXX of XXXX XXXX & XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) ( XXXX ) as their alleged Retail Sales Installment Contract violates Public Policy. The above evidence and documentation means Santander documents have been materially altered by endorsement which discharges the drawer and maker under XXXX of the Maryland XXXX XXXX.
Santander, have refused to answer any of my Notices, thus ending alleged agreement and giving me evidence that you did not follow XXXX. According to the bookkeeping entries, the borrower provided the money or credit, a thing of value, to fund the alleged loan or check or similar instrument in question. Failure to answer any of my notices tells me that Santander acknowledge that I funded the alleged loan and the loan agreement was stolen and forged. thus ending any claim you have against me.
At this time, I believe Santander is in possession of contraband, forged property that looks like a promissory note/contract with my name on it.
I now believe I have evidence that the terms and conditions of the alleged agreement are concealed, the promissory note/contract was stolen, forged and/or altered, No good title can pass with a theft. There was no meeting of the minds or mutual assent regarding these questions and Santander have refused to explain the terms and conditions by answering these questions. Therefore, there is no valid agreement.
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX violating my rights under the FRCA and FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. As a consumer according to the Attorney Generals Office claimed that Santander Consumer USAs subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default.
I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. Against Santander Consumer USA and XXXX XXXX XXXX : Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. So, they can file legal actions.
This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default.
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers.
Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office.
I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.
I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint is in respond to XXXX XXXX XXXX XXXX attachment on XX/XX/XXXX.
You should also inform Santander Consumer USA that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers.
Please remove these items with every CRA asap. Also send me a letter from both XXXX XXXX XXXX and Santander USA stating it will be removed.
|
| 08/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
I purchased a new XXXX XXXX XXXX on XX/XX/2021 from a dealership in XXXX FL. After a long day and a long drive home, I did not fully review the documents, but did the next morning and realized they had added {$3600.00} in extended warranties and maintenance contracts to my loan without discussing them with me. This was quickly remedied with the dealership on XX/XX/2021, and Chrysler Captital where the car was financed, and they credited my account for that amount on XX/XX/2021.
In the meantime, I refinanced the car with my bank at a lower APR with the payoff amount given to me by Chrysler Capital and they credited my account as paid in full on XX/XX/2021, still. They then, after the loan is paid in full, proceeded to withdraw a payment from my checking account on XX/XX/2021.Since then, I have been trying to get the refund of the extended warranty charges and the payment they withdrew from my account after the loan was paid in full.
I called them on XX/XX/2021, inquiring when they were going to send my money that they were holding. They told me they needed to wait 30 days to make sure my bank didnt cancel the check that paid off the loan. I waited. On XX/XX/2021 I received a notification from my bank ( XXXX XXXX XXXX XXXX ) that they had received the title from Chyrsler Capital, so I knew they felt confident the check was going to bounce. I called them again, asking when I would get my refund ( s ). I was told the checks for the Payment was mailed on XX/XX/2021 and the check for {$3600.00} was mailed on XX/XX/2021. Again, I waited. Note, I have USPS Informed Delivery, so I get an email each morning with a picture of each piece of mail to be delivered that day. On XX/XX/2021 I received the {$400.00} for the payment withdrawn from my checking account. Though the check is dated XX/XX/2021, the envelope is dated XX/XX/2021. I called again and was transferred to XXXX in the Executive Branch. I requested that the other check be cancelled and a new one issued with tracking. She said they normally like to wait 30 days for mail to get from XXXX TX to XXXX XXXX FL. It only took 3 days ( including a Sunday ) for the other check to get here.
I called XXXX XXXX, specifically the Executive Branch where XXXX had called me from and ask the status. I was told that the original check for {$3600.00} had been canceled and XXXX would call me with the tracking number for XXXX Tracking. I waited until XX/XX/2021 and called again. I was told it would take a few more days for them to cut the check, then write envelope. I spoke with XXXX and could not get anything more than a few more days.
At this point, I dont believe a word they say. They have been holding onto MY money, accruing interest that they will keep and Im losing interest I could be making. It has been 68 ( SIXTY EIGHT ) days since my loan with Chrysler Capital has been paid in full. It has been 42 days since my bank ( XXXX ) received the title from Chrysler Capital. Im over their untruths. I want to know how long they are allowed to hold and earn interest on my money! Please.
|
| 09/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX, 2015, my car was repossessed due to non payment. During the repossession XXXX XXXX the tow truck driver hit several cars with my car. My cousin witness the event and called me. I then called the lean holder ( Santunder ). They told me how much it would cost to get my car reinstated and gave me the number for XXXX. I called XXXX and they gave me the tow company 's number XXXX ( XXXX ). XXXX from XXXX told me that my car was involve in an accident but not to worry because as it stands my car is repossessed. I told him I would get it out in about 2 or 3 days. He told me to handle what I need to on my end and he would handle his end. I got my car reinstated XXXX XXXX, 2015. I called to set up an appointment to get my car and could not get in contact with the tow company ( XXXX ). I called XXXX and they got in contact with XXXX and transferred my call. I was told the cost of the pick up {$150.00} and I then ask was my car repaired she did not know what I was talking about and told my that XXXX would call me back. I did not receive a call back from XXXX. I called Santunder to let them know that it has been 3 days and I have not heard anything from the XXXX or XXXX. They escalated my case to the president 's office ( XXXX ) she sent an e-mail to XXXX to furnish me with a rental until the repair was completed. I still did not hear anything, so I called XXXX and he told me to make a reservation for a car. I reserved a car comparable to my Chrysler 300 and he told me it was to much. I called a lawyer friend and he called XXXX and advised him of my rights and asked for pictures and accident report information. XXXX replied with a very rude gesture, but called me with information on getting a rental. On XXXX XXXX, 2015 he told me he would give me a {$350.00} check for a 2 week rental and if I wanted anything bigger I would have to pay for it myself. I did not see the damages on " my '' car nor have any information about " my '' car. I went to the police station to get information about the accident and the insurance information. I called the insurance company XXXX and there was no report filed for my car. I filed a report and they also told me nothing about " my '' car. XXXX XXXX, 2015 XXXX at XXXX offered to get me a compact rental at XXXX. Unfortunately I did not pass the credit check so I told this to XXXX on XXXX XXXX, 2015. He told me to find another place and told him that XXXX would do it prepaid. I told him the price and he rejected the price I called Santunder to tell them I can not pay them if I do not have a job. I asked them what should I do and they told me I was a grown woman and I can do what I wanted. I have already lost my job because I was unable to go to work. Now that I have a new job that starts XXXX/XXXX/2015 I still do not have a car. I called XXXX on XXXX/XXXX/2015 and he told me that the car has not yet has been worked on because he did not have the key. I asked for pictures and any kind of correspondence between the parties and was told that the information could not be given to me.
|
| 11/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX SANTANDER CONSUMER USA received my Affidavit in support of rescission where I exercised my right to rescind my signature on in the consumer credit transaction and my signature because I never received any material disclosures of the annual percentage rate and the method of finding the Finance charge according to 15 U.S.C. 1602v that took place on XX/XX/2021 between me the dealership and SANTANDER CONSUMER. The contract is a fraudulent one-sided agreement where SANTANDER CONSUMER USA and XXXX XXXX XXXX XXXX XXXX is the only one benefiting from it. A contract should be a clear equal agreement for both parties. I also was never provided any rescission forms in a statement along with the rescission forms that congress addresses in the 15 U.S.C 1635 right to rescission code. Also in code 15 U.S.C 1635. ( b ) congress states that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within XXXX days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within XXXX days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court ''.
" If the creditor does not take possession of the property within XXXX days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. '' I find that SANTANDER CONSUMER USA upon receipt of my rescission and never reflected the termination of the security interest and still holds me liable for the finance charge and then continued by using fraud and unfair debt collection practices by threatening to take and seizing my vehicle that congress said I'm am no longer obligated to pay.
This has caused so much stress on me and my family and SANTANDER CONSUMER USA Is terrorizing my life.
I attached the same affidavit I sent to SANTANDER where they never rebutted my Affidavit so it stands as facts
|
| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I received Santander FPB Complaint No. : XXXX response from Santander and appreciate Santanders admittance of its predatory lending practices.
First Santander openly and knowingly is admitting the use of Simple interest method, a predatory practice, which calculates the amount of interest owed first on a daily basis as described in the response. This was not explained to me and I cant honestly say that I understand it now after you have attempted to explain it. This tactic is predatory and unfair. You took advantage of me by offering a product that was confusing and has caused the payments on this loan to extend far beyond the 6 years agreed upon which was XXXX then due to extension to XX/XX/XXXX. It is now XXXX 1 year beyond the agreed upon date and if I continue paying this as agreed it will extend into another year until XXXX 2 years beyond. This tactic is deceptive and has prevented this loan from being satisfied.
Additionally, knowingly understanding my lack of bargaining power Santander offered terms that would likely prevent on time payments. Santander also has the habit of mailing bills that do not accurately request proper payments. Instead Santanders bills deceitfully state inflating monthly payment amounts causing fear of not being able to pay which in many cases caused a sense of helplessness which detoured payments. For example, on a recent bill dated XXXX the AMOUNT OWED per the bill for XXXX is {$5300.00}, when the actual amount owed for the month is {$430.00}. Knowing that it is impossible to pay {$5300.00} one could potentially refrain from attempting to make a payment due to the inability to pay the amount owed as stated on the bill. Santanders practice of misstating the actual amount is another indication of predatory lending practices.
Additionally, Santander charged me for GAP insurance as a part of financing of this loan. In XXXX the Bureau of Consumer Financial Protection determined Santander violated the Consumer Financial Protection Act of XXXX when it added GAP insurance to loans without properly describing its benefits. Santander was sued over 9 million for this practice and this is another citation of its unfair, unethical and abusive lending practices.
Finally, my contract with Santander was for 6 years with extension request for up to 6 months total. To date this 6 .5year loan is far beyond 8 years and before the loan is paid off if this can happen it will have approached 9 years. Therefore a 6 year loan totaling {$17000.00} will have accrues interest and additional charges for over 29,000 which is 2.5 times the principle balance of the original loan agreement. This is abusive and unacceptable. As you already know Santander is facing a class action lawsuit for charging improper fees and for improper telephone tactics which again clearly highlights my victimization by Santander.
I am requesting a refund in the amount of {$10000.00} which include excessive fees and interest incurred and Santanders repeated 32attempt to take advantage of this subprime borrower.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX I began making additional payments to my auto loan that were not applied correctly. After speaking with Santander they informed me that I should make two separate payments to avoid accounting problems, which I began doing in XX/XX/XXXX. On XX/XX/XXXX, I checked the account and realized that my payments were still being applied incorrectly. I spent an approximately an hour on the phone with one of Santanders ' representatives going through all payments and the way they should have been applied. At the conclusion of our call on XX/XX/XXXX, I was informed that {$1700.00} would be applied to the principal of my auto loan by XX/XX/XXXX. On XX/XX/XXXX I called back in to check the status of my account only to be told that the principal payment request was never submitted. I went through the same payment review process with a new Santander representative on XX/XX/XXXX and was told that a supervisor by the name of XXXX had submitted a request to have {$1700.00} applied to the principal of my auto loan. I was informed that the request should be completed by XX/XX/XXXX. On the morning of XX/XX/XXXX, I called in once again to check the status of the additional payments that were made on my account only to discover that the principal reduction request was only submitted for the amount of {$500.00}, and was still not applied to the account. At this point, I am a week into the process of trying to have money I 've already paid correctly applied to the principal of my auto loan and have yet to obtain any specifics as to when or if it will done. I have only been told that we are waiting on accounting to complete the request, which again, does not solve the issue because the principal reduction was only for the amount of {$500.00}, which means {$1200.00} still has not gone to the principal of my auto loan even though I 've already paid it. I have no idea how Santander operates internally, nor is that my concern, but from a consumers ' perspective the level of incompetence and the inconsistencies within Santanders ' standard operating procedures is appalling. More importantly, the blatant lies with respect to payment processing is unacceptable. At no point should any company be permitted to mishandle or misappropriate funds that have been received by consumers without penalty. The fact that Santanders ' representatives have all lied, speaks to the integrity of the organization as a whole. The corporate culture of an organization is clearly reflected by the caliber of individuals they permit to interact with consumers on their behalf. It has become my sole mission to ensure that no one else has to endure the level of mistreatment I 've been forced to tolerate. Furthermore, I will remain steadfast in my resolve to ensure that the as much of the general public is aware of Santanders ' deceptive practices as possible. Based upon my experience, it is apparent that Santander is only concerned with increasing their profitability without regard for the consumers upon which their organization has been built.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Hello, We leased a little XXXX XXXX XXXX in XX/XX/XXXX. However, personal circumstances required us to move to XXXX ( I 'm XXXX ) thus I called the leasing company in XXXX XXXX in regards to early termination. The agent told me that I had to pay an early termination fee of about {$900.00} and all I need to do is to return the car.
I decided to return the car in XXXX of XXXX and received a receipt for returning the car ( XXXX XXXX with XXXX miles on the odometer ). Then we continued to receive bills from Chrysler Capital and I called several times to tell them that we had returned the car. I asked repeatedly when I would get the final bill from the early termination fee and every time they said it should come soon.
Finally, on XXXX XXXX I received a call from Chrysler capital that they had sorted it out and that the dealership made a mistake ( there is a technical term for that I forgot it but basically they temporarily 'lost ' the car ) and that I would receive the final bill after the car was sold. This was new information to me, on the call I had in XXXX it was clear that it was around {$900.00} - now the story is that they will need to sell the car first and I pay for the difference between their price and what they are able to get at an auction. This is apparently in the contract under early termination but it was n't explained to me nor is it clear from reading it ( the process is not described ).
Today ( or rather yesterday ) I received a letter that outlined the same amounts that are under the early termination + adminsitrative charges. Basically, I 'm liable now for around XXXX and it says nothing about the process of when the car is being sold and when I will learn of what the actual difference is.
Thus from my side:1. The process information was new and that I also pay for the difference of what they are able to sell the car for. Had I known that earlier I would have acted differently ( most likely I would have shipped the car and sold it myself in XXXX ; we would have had that option then ) 2. I have no control over that price whatsoever when they auction off the car and I have no insight in how that price came together and if that was in fact the price.
3. In the meantime, we 've moved abroad - they have wasted 4 month of dealing with this which means the car is 4 month older now and I 'm not longer around to act.
I still do n't know what the final bill is for the car but I 'm concerned that they have very little interest in getting the best price and/or can basically tell me anything and I can no longer influence that because I 'm no longer in the XXXX.
I might be an exception to the rule because we moved abroad but I would assume that the way these early termination clauses are structured and the way it is explained is probably a general issue in this industry. I 'm happy to provide all required documentation and reference because I feel there is clearly something wrong here. Also, we 're now using a mailbox forwarding services in XXXX ( originally from XXXX ).
|
| 11/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The vehicle was XXXX XXXX in a XXXX XXXX at XXXX XXXX on XX/XX/XXXX. XXXX totaled the car and called Santander to request a payoff quote that was 15 days out. My son and I where advised that our account would be documented and the car company would deal with the insurance company once I provided them with the policy and claim information. We signed over the title to XXXX and received our check portion to go and obtain another car. The day we signed over the title POA was on XX/XX/XXXX. It was our understanding that the check would be sent to Santander and XXXX would receive a salvage title. I have had no additional communications with Santander until today when one representative called me to inquire if I had receive any funds from the insurance company. I advised I had weeks ago and that XXXX told me they would send out there check. They stated they had been calling XXXX for weeks and needed a status. I advised I would call XXXX and obtain some information. I received the check information. The check number is XXXX for {$3200.00}. I processed to call Santander back with the information I obtained. I then spoke to XXXX who advised me that my credit report would be damaged because the check had not been received. She also proceeded to tell me that they had already been in communication with XXXX and they did not send out their authorization until XX/XX/XXXX or XX/XX/XXXX, which was well after I signed my documents releasing us from the title. The payment becomes 30 days late as of XX/XX/XXXX. However, this is the first call and conversation I had with Santander and felt harassed to provide a payment I did not know I owed as I did not receive any mail, voice mail or email concerning a delay in the payment. My portion was done. We took the funds we got put 97 % towards the car and paid over {$350.00} for insurance. Now, I am being told I need to make a payment for a loan that should have already been paid off. But due to Santander 's delay in getting the necessary docs out, I am being called to collect. I am confused. When is it my fault that you did not send the paperwork off until 5/6 days later. How am I suppose to come up with money I did not know I owed? At no time did any advise me to continue to pay until the check was received. I feel like I am being bullied after an accident that we are still receiving medical treatment for. I am bringing this up to my attorney as well because I feel XXXX XXXX and XXXX from this whole experience. I do n't understand that if they had already spoke to XXXX why did I receive the call. If they already knew the check was in the mail what were they expecting from me. The last I talked to this company was around XX/XX/XXXX or XX/XX/XXXX. I provided with the information they requested concerning the claim. It has been almost a month and now you want to call. There has been no letter in the mail explaining our next steps, what we should continue to do or follow up with the insurance company. I feel like this company believes I should read their mind.
|
| 03/27/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I turned in my leased vehicle to the dealership , XXXX XXXX, and leased a new vehicle from them. Weeks later, XXXX XXXX stated i owed for damage to the turned in vehicle. Upon request they provided a damage report that was done weeks after I turned in the vehicle after they had driven the vehicle to a different state ( XXXX ). I sent them correspondence and they refuse to confirm receipt of the correspondence I sent and routinely contact me claiming they do n't have a written statement from me ... I will attach 2 letters that have gone unanswered : From : XXXX XXXX To : XXXXXXXXXXXX Cc : XXXXXXXXXXXX Sent : Thursday, XXXX XXXX, XXXX XXXX Subject : Attention XXXX XXXX XXXX XXXX, Per our conversation today, attached is a response to Chrysler Capital 's claim for damage dated XXXX/XXXX/XXXX.
When XXXX XXXX called me on XXXX/XXXX/XXXX regarding this matter she was " unable '' to tell me if Chrysler Capital had received the letter and " unable '' to provide me with a method of sending her the letter. She stated only " upper management '' would know if a letter was recieved but would not put me in contact with them.
Additionally , XXXX XXXX gave a copy of the letter to Chrysler Capital 's XXXX XXXX in person.
I would appreciate confirmation of receipt of the letter.
Thanks for your call, XXXX XXXX XXXX, XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Lease turn in XXXX XXXX XXXX XXXX Dear Chrysler Capital, On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot.
Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX.
The damages listed are from a report taken XXXX XXXX, XXXX ( more than 2 weeks after I turned in the vehicle to XXXX XXXX ) at a location in XXXX ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in.
Your request for excess damage is disputed and has been denied. Any attempt by Chrysler Capital to negatively affect my credit as a result of this un-supported claim will result in legal action for defamation of credit.
I am currently driving my XXXX XXXX XXXX that I have either leased or owned. Through friends and family referrals, I am aware of numerous other Chrysler Capital former customers who have received what they believe are frivolous and predatory claims of damage to their vehicles from Chrysler Capital. Pending the resolution of this matter I will decide if contacting state and federal agencies regarding your company 's actions are warranted.
Regards, XXXX XXXX XXXX XXXX XXXX, MI XXXX CC : XXXX XXXX
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I should not owe still 4 years later over XXXX Started this loan at XXXX and its now XX/XX/XXXX and I still owe XXXX XX/XX/XXXX I sent them over {$1200.00} as they claim I owed misc fee 's and late fee 's and return check fee 's which is not accurate at all, I been making my payments weekly and it seems over the years if my payment came in the XX/XX/XXXX when it was due theXX/XX/XXXX they fee my account. says my maturity date is XX/XX/XXXX was told today it won't be the case now with all this money paid my payments haven't started going straight towards principal as this loan is going into its 5th final year, I get lied too every-time I speak with someone I get a different story, I am sure if and when I deferred payments they added more and still took payment from me, I was charged when I deferred years ago, something is NOT right about this loan and I am looking for an attorney as well someone keeps adding fees to a vehicle that should be paid off XX/XX/XXXX I have much more documents I can send I have saved every chat and every letter.
This Loan was not by any chance explained by the dealership this was sent years ago to them ( Santander ) my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit wasn'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, their interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase in our loan, which should be decreased as we make our payments that even thou our loan is due the XX/XX/XXXX of every month because they receive it from our bank on the XX/XX/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 80 thous miles 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 are 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 can't believe we are not the only ones 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.
|
| 09/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I made all XXXX payments to Santander plus XXXX, because I deferred my payment four times during the six year course of the loan. With the deferments my contract paid out XX/XX/XXXX. They tell me I owe over eight thousand dollars in fees. I have been continuing to make monthlyl payments waiting to get enough money to talk to an attorney. I still do n't have money to hire an attorney. Even though I have never missed a payment that I did n't make up, all through my loan and even now they have been and still are reporting me 30,60, & 90 days past due. I called today to get the payment dates they say I missed, because each time they tell me I 'm behind and each of the representatives would give me different dates. Today which is a first, the representative says I have n't missed any payments. I ask then why are you reporting me late every month. In essense she say XXXX my payment is due on the XXXX and if it is not received by the XXXX I am 30 days past due or more depending upon how many days are in the month. Even though my payment is due on the XXXX of XXXX for XXXX and I do n't owe for any other months, If the payment is not received by the XXXX of XXXX I will be reported over 30 days past due. Because I wo n't be making my payment until the XXXX. Because that 's the way my pay period falls. I get paid every two weeks and sometimes it 's on, before, or a few days after. They say I have XXXX day grace period but I always pay in the same month to avoid them repossessing my car. And yes except for this time which the first they did n't say that I was behind or that I am in danger of my car being repossessed. My it 's because of all of the lawsuit they are quilty of. But yet the are still reporting me late. I have not missed a payment since they illegally repossed my car XX/XX/XXXX. And I always pay in the same month, it XXXX the last day of the month, but it 's in the same month. This has and still is causing me a financial hardship financially and they have ruined my credit illegally. It great the XXXX Department suied Santander on behalf of our service individuals for the same things they are still doing to me, but what about the rest of us. Does being a citizen of the United States account for anything, knowing they are doing to other citizens what XXXX Department sued them for doing to service members. Should n't we be recompensed, should n't they be made to take their lies from our credit reports, should n't I received back the money they are embezzling from me. Oh, I have to pay if I want a way to get to work. Do you not count, I 'm too old to join the service but my father, now deceased XXXX. He 's buried XXXX just outside of XXXX, my home town. Do n't you think every citizen deserves justice from this and any other predator. I 'm not the only one who has had or have a loved XXXX or someone they care about who has served this country. All of us should have your help we are the offspring or parent or sibling of someone who has served our country. What about us????????
|
| 01/21/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Problem with customer service
|
|
Web |
|
|
I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$7800.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$1500.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
the term " the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; 15 USC sec 78m ( q ) ( 1 ) ( C ). while A " coupon means a form which may be redeemed, at no cost or at a reduced cost, '' I am yet to receive the redemption to my account in the form of credits.
Santander clearly states, To receive proper credit simply complete the amount of your payment in the Total Amount Enclosed payment field and other amounts you are sending to be applied to your account. such as Additional payment ( if applicable ).
Please make checks payable to Santander Consumer USA Indicate amount paid in Total Amount Enclosed payment field below.
Print and mail coupon to : Santander Consumer USA XXXX XXXX XXXX, XXXX, TX XXXX '' which is the incorrect address, noted by Santander Agent via phone. and is actually the XXXX Address.
|
| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Sandtander is my finance company.The very first day I got the car I tried explaining to XXXX XXXX sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial. So, I was speaking with a rep from Sandtander who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that Santander hired them to repo the car. Both of these companies has violated me. Sandtander should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
|
| 12/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
After several months of asking Santander for proof of claim in accordance with 12 CFR 1026.13 billing error, and 16 CFR 433 Santander refused to provide documentary evidence, full disclosure public and private nor validation of a debt owed to the company. Ive made several attempts to make notice of a deceptive and fraudulent contract and now as Santander is aware that I am aware of their fraudulent activity, they now are attempting to seize property federal law states the United States is responsible for, that I use for personal, family and household fully aware they have no certificate of indebtedness. Ive made Santander aware that I never received chattel paper, rights of rescission disclosures under electronic transfer act nor the second copy in hand nor any material disclosures I inquired about. I never received a contract in the mail between the 30 days given for their registered agent to sign to said contract making it binding. Pursuant to my rights under 16 CFR 433.1, 433.2, 433.3 which Santander is in violation of, the company is also providing deceptive forms and misrepresentation 1692. My rights to rescind were still in effect because of the failure to disclose.
A one sided contract is deceptive. Santander committed bad faith and fraud, Santander forfeited their rights to collect any promise to pay/federal reserve notes by not complying with XXXX CFR XXXX, and illegally collecting FRNs on abandonment of property, illegally attempt to seize over billing error and not acknowledging i gave consideration with my trust account number and signature which created a negotiable instrument illegally securitize. fraudulently forging my signature repeatedly which under federal law is aggravated identity theft, Santander also sold my security without my acknowledgment nor written consent under UCC 1-202. Under UCC 3-603 will you be bringing fraud upon the court with this invalid claim? An Affidavit of lost note no longer applies and under UCC 1-3 there is no lien on property. Notice, any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder and XXXX XXXX included in the contract. How can you repossess what does not belong to you, 18 USC 8 Obligations of the United States, paid for with a signature. A fraudulently collected down payment with a consumer credit transaction, and you sold my negotiable instruments while committing contract law fraud, UCC, FEDERAL LAW, and IRS fraud. Furthermore a securitized debt is considered a modification which is no longer a debt UCC 1-306d. Unconscionable documents.
I am the consumer, a natural person asserting my rights of XXXX XXXX XXXX XXXX XXXX XXXXt 1, PUBLIC LAW 10 chapter 48 STAT 11XXXX, PUBLIC LAW XXXX XXXX STAT XXXX, TRADING WITH THE XXXX XXXX XX/XX/1917, and XXXX XXXX PUBLIC LAW XXXX.
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I left my job in XXXX and had some financial issues as I searched for work. Santander Consumer USA entered into an agreement with me to extend payment on my account, retroactively, that XXXX. They extended the XXXX payment to XXXX XXXX. T I agreed solely because they indicated it would be an extension that would avoid my having a delinquency on my credit report.
As you can see from the agreement, it states nowhere that it would not apply to credit reporting and I was n't told it would not, quite the opposite as I recall.
I never would have bothered to obtain a retroactive extension if it were not to preserve my credit.
I spoke with Santander today and they were unreasonable as well as abusive. First. they denied the agreement existed. As you can see from the attached agreement, it existed together with a digital time and date stamp demonstrating when it was entered into.
Notwithstanding, they then agree I never executed the contract. this was also false as I did so through the application they sent me to sign through which automatically provided them with the agreement upon signature.
Then I spoke to a supervisor, XXXX, who did not dispute the existence of the agreement, but claimed the extension did not apply to credit reporting. When I told him that the written agreement said no such thing, specifically or generally speaking, and no agent said anything of the sort, he told me it was my responsibility under the FCRA to pay on time. After I told him that was not the point or the law the we were talking about, since they had a contract with me and we were discussing their not living up to their side of the contract, he told me to " Stop playing like you 're the victim! '' and " You are blaming us for everything and do n't think anything is your fault. '' He later alleged that I was accusing Santander of " predatory lending '' and was wrong in stating that the terms of our agreement are construed to favor me here because there is ambiguity and they wrote the contract. He called me litigious and when I told him I had said nothing regarding litigation he became irate and he hung up on me.
I do n't deserve to be treated by a lender of any kind disrespectfully and I certainly do n't deserve to be spoken to abusively. I was never talking of litigation with the man and only was pointing out what the law is and has been regarding contracts with ambiguous terms through out the country for a long time. Now what I do believe is significant to note is that Santander is the largest lender in the US currently for sub-prime loans of this sort. If any company were to have a motive to keep their customers from improving their credit, its this one that stands to watch customers leave once they can get new loans due to improved credit. I believe you should investigate whether the large number of reports of sub-prime consumers all over the internet facing similar difficulties with Santander is the result of a company policy favoring unyielding credit reporting decisions.
|
| 07/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The auto finance company has filed Civil Court documents against buyer and co-buyer after the company received Complaint 's about code of ethics, and compliance issues. Relating to customers especially directly effecting said account, the complaint have Harassment, discriminatory behavior, fraud, Trickery, etc. Over a " supposed closed account '' This is over the years ; continued to current, In that time payments continued, programs continued on the account. Office Of The President was worked with, Vice President, Assistant Vice President. Individuals have used persuasion through use power and Title positions with direct statements attempt to drop complaints. They prematurely Place the account for closed on XXXX Credit bureau in XX/XX/XXXX-XX/XX/XXXX, The Account was opened XXXX XXXX and Without reason Notification the Account was with a balance of XXXX closed via XXXX XXXX XXXX status CLOSED DEROGATORY CHARGE OFF AS BAD DEBT, Open XX/XX/XXXX- XX/XX/XXXX.This was not seen on XXXX until XXXX XXXX when major problems arise. The vehicle remained in possession of loan with payments entire time until date. Year XXXX Payment programs and arrangements were on the account, special programs where on the account lowers interest etc. many ethical complaint Santander would not accept mail in payments on the loan because they would not identify the loan or assign an alternative to not charge XXXXfee this created the account to cost more than others as the account payments are processed through automatic system. After months of attempting to resolve an Account manager was assigned to process payments, this was successful until the manager failed to follow up in the account as specified by the manager he was to be the contact even after several calls to him and his co-workers it appeared Santander has a plan. Then in XXXX XXXX attempted to illegally repossess, they did not follow proper attempts to send agents per contracted program that was in effect for the vehicle attempt there was much safety issues created which the company was either intentionally directly or indirectly involved which cause was poor intended incidents harm situation during the process. The company assured an account investigation, among other investigations, which nothing happens. They actually took the credit reporting from one source of reporting and moved to another XXXX XXXX, and move to XXXX and closed that account still addressing no ethics concert this included Investors, CEO, CFO, Presidents. Instead the company retaliated with a Civil Division when no notification was ever given and no statements on the account have been received since they stated not to on XXXX XXXX, XXXX. The civil paperwork is dated XXXX XXXX, exactly 1 month and 18 days after moving the credit reporting around. And no contact whatsoever after they were working on settlement until they were aware that they fraud credit reporting. As well they also at that time where full aware of incidents of poor and harmful incidents.
|
| 12/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a brand new 2017 XXXX XXXX. I received the car on XXXX XXXX. On the morning of XXXX XXXX ( not even 72 hours later ), I found the car dead in my garage due to major electrical malfunction. Since that time ( 3 full days ago ) I have called Chrysler customer service at least 25 times. I have had a tow truck cancel on me 6 times. Chrysler 's policy is to tow the car to XXXX of the XXXX closest dealerships. A Chrysler rep called all XXXX and they all refused to accept the car. The original dealer that gave me the car offered to take it back and service it. The dealership is XXXX miles outside Chrysler 's towing limits. Chrysler wants me to pay {$100.00} to tow the car there. Not one of the 25 reps I spoke to had the authority to waive XXXX miles or {$100.00}. They all said I have to be assigned to a case manager, the only person in the entire organization who can maybe assist me and get a waiver. I apparently got assigned to a case manager on Monday, but you are required to wait 24 hours for a call. I still had n't gotten a call 24 hours later, so I called again to let them know. The rep I spoke to said that because I spoke to a manager during the day today ( who also could n't help me ), it reset the case manager assignment process and now I have to wait another 24 hours for a call. So now I have to go another day with no car and no assistance. Also, Chrysler initially told me they will reimburse me $ XXXX/day for a " comparable '' rental car. I called several local rental companies and they do n't have ANY cars available for $ XXXX/day, let alone a comparable one. They offered me a XXXX XXXX for $ XXXX/day. I leased a minivan - NOT comparable. The reps could n't help with that either.
I do n't feel comfortable driving the car anymore. It is n't safe for me, a XXXX woman, or my XXXX young children. The car does n't recognize when the brakes are on, would n't shift out of park, and had many other issues. The most frustrating part of the whole process is the complete and utter disregard of every single person I spoke to at Chrysler, for my situation. I am now going on Day 4 with no rental car, and a brand new dead car in my garage. I drive to work every day. I take my children to school every day. I have spent hours on the phone with them, and my husband had to take a day off from work to wait for a tow truck that never came.
I asked for a manager or a supervisor or a case manager almost every time I called. I was informed that there was no manager or supervisor or case manager on premises. The reps would n't provide names or contact phone numbers for their supervisors, and told me that the Lemon Law department and legal department do not accept phone calls from customers. I am completely at my wit 's end and I do n't know what to do. Calling customer service has gotten me nowhere and now all I can do is wait for a mythical case manager to call. If I dare call again tomorrow they will probably reset the process again for another 24 hours.
|
| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I XXXX XXXX XXXX of XXXX Florida and Santander Consumer USA, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made Santander aware of my financial situation. During that time I was always in touch with Santander, keeping them abreast, and paid whatever, and whenever I could. Santander advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to Santander and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when Santander reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to Santander for an explanation, but was threatened, and XXXX off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from Santander, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a Law Firm, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that Santander reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), Santander violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by Santander, I have also attached a copy of correspondence received from Santander followed by calls related to the attached letter in error.
|
| 02/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a 2019 XXXX XXXX. My monthly payments are {$520.00} a month. My car note is due the XXXX of every month. I made My first payment on Friday XX/XX/2019. My account was set up for auto pay at the time. My payment didnt post to the account until Tuesday XX/XX/2019. I had Called Santander Consumer USA to let them know I was paying a week early. If they can void or take off the auto pay so that way I didnt charged for a second time. I stressed It. They told me it would take a couple days for the payment to get posted to the account. I was Fine with that. On Monday XX/XX/XXXX I woke Up to a unauthorized transaction on my account after I just Had paid my first car note. So I was not understanding why this Charge was being made. I called them. I made Call after call because I was frustrated. I was Told that the auto pay was still on when it shouldnt have been. They wanted to see the transactions on my bank statement. I didnt have access to a fax machine and was told. I could Just email it over. Then I called Back again because the negative balance was still there. I had Explained to that what I was Told and they said they dont do email. Just fax. I was annoyed. To constantly have people tell you one thing then a complete other thing. On Tuesday XX/XX/XXXX they did a reversal. I was still upset because I had Money in my account that I was going to see on top of an over draft few that I had To pay. On Wednesday XX/XX/XXXX I woke Up to another unauthorized transaction. I had About {$86.00} in my account. Leaving me with a negative balance of {$430.00}. I was Furious. Ive had to keep calling to complain. I guess they retryed the payment for a second time. I had Again explained to them over and over again how I had Already made my first payment. How thWhy keep taking money from my account. Again they said they need me to send over a transaction I did. They told me theyd talk to their finance team. Ive called and called any chance I had to clear this unauthorized transaction. I was told they could see that I talked to someone who put in a referral or what it is called and said They had something pending on their end but I didnt. I checked my bank statement. During all this Im working with my bank and I cant do anything because I had to wait for them to retry the payment for a XXXX time. I cant close out the account. Not touch it. Ive had money taken out of my account I didnt have multiple times and Im being XXXX of over draft fees. I can complain over and over and over but I havent got anywhere. I was told I can file a complaint but I probably wont get any of my money back. When I told the representative I did not have a pending transaction she kept saying they needed to see a statement showing I did. But there was nothing. Im tired, Im exhausted I think I could understand if this was something on my end not so much. I just want to be reimbursed and the money they took from me. I have a list of all the transactions and everything else.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX at the time of purchase I did not have a strong financial background in terms of a job as I was working part time for a retail company making {$10.00} an hour and was a XXXX XXXX XXXX. The car salesmen was aware of this, he asked me to provide my paystubs and student loan information as he will handle the rest on his end. I was only XXXX XXXX XXXX and saved up {$2500.00} from working I had no idea what I was doing but I was looking for a car to get me back and forth from XXXX to XXXX XXXX for XXXX. In XXXX, I became XXXX with my XXXX XXXX and had a difficult XXXX which required me to be out of work often, in result I was not making enough money to cover the $ XXXX monthly car payments. I tried discussing a payment plan with Santander Consumer USA however they were not inclined on making such a plan as they wanted a full payment. In result on XX/XX/XXXX the vehicle was repossessed, I did not have the money to pay the past due balance and the fees associated to obtain the vehicle again. When I called late XXXX of XXXX about the vehicle I was told the vehicle had already been sold and the final amount of the account will be sent to me.
My last call to Santander Consumer USA was sometime in XX/XX/XXXX as I received a notice with a balance of around {$14000.00}, I inquired on why the amount was higher than what the vehicle was purchased and why they were attempting to collect on a balance of {$14000.00} when the vehicle was sold and funds were recouped from the loss of the sale. I did not receive a direct response but instead the call was forward to a department to discuss the situation however no one responded the call. When the account was placed on my credit in XX/XX/XXXX it was first reported as a repossession than in XX/XX/XXXX it was changed to charged off. I have been disputing this case with all three credit bureaus due to the egregious errors placed on my credit and the shady practices that Santander Consumer USA is participating in. Santander Consumer USA has placed on my credit file that {$7500.00} was written off and {$10000.00} is past due. How can I owe {$18000.00} on a vehicle that was not merely purchased for that price, I purchased the vehicle for around {$13000.00} and the vehicle was sold in under 2 months upon repossession. I never received documentation on how much the vehicle was sold for and I still do not understand why there is a balance of {$10000.00}.
In XXXX, I received notification from the state of XXXX that my account in question was eligible to have the outstanding loan to be waived under a court case that was ongoing. When I contacted Santander Consumer USA to discuss my account and it being waived I was told my account was not included in the waived account list. When I researched it further and contacted the hotline where account holders can obtain further information about the case I was told that my account is apart of the waiver.
|
| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX, XXXX, or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt.
Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action.
LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
|
| 10/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX my mother passed away unexpectedly. As Beneficiary of her property left me to pay her equity, utilities, and other payments alone. I am XXXX and receive Social Security benefits to live. I have lived with my mother off and on for over 35 years paying rooming expenses, and working where I can. I purchased a car in XX/XX/XXXX for us after the car we had for transportation was too expensive to repair. It was left to us in my father 's will when he passed. The car I had before this had been stolen, wrecked, and a hole punched in the gas tank rendered it useless. In the past I have been on time with my payments, insurance, and taxes but it very difficult for me to maintain the same payment regimen without mothers Social Security and Pension that supported us both. I can no longer afford to make the past due amount of {$750.00}, there is nothing left of my benefits after the Mortgage and utility payments are made. When I spoke with a representative to request a reduction in payments for 6 months or more my request was denied. He did offer to allow me 30 day delay to make a regular monthly payment that would be retroactive to not reflect the lapse. I was not able to comply due to heavy expenses of paying utilities that had threatened to be shut off. A recent letter stated if past due payments were not received by XX/XX/XXXX the lender is prepared by law to take repossession action to recover their loss and any under payment they received as a result would be billed to me. I am not arguing their right by authority to repossess the car, but I do wish to mention that since I have had the car I have received at least 3 Recall Notices for mandatory repairs that were required legally and deemed unsafe malfunctions. Although I never had to pay for the repairs, it is scary to know the car we were driving may have dangerously faulty parts that may malfunction at any time. I feel that I should not have to owe them anything if they repossess the automobile. I realize I will be out of a way for private transportation, but public transit is a possibility I can utilize even though I have a XXXX, walking is difficult and painful at times for me. This was the main purpose of purchasing an automobile, it did not matter if it was shiny and slightly used or a XXXX XXXX rebuilt as long as it could safely take me and mother to and from our destination. I am hoping the lender will allow me additional time, with a reduced monthly payment but I seriously do not believe this will happen. On the other side, if the lender repossesses the auto then give me some credit for timely payments, mandatory repairs, and omit any interests they may claim I owe them as a result of their actions. I would like to keep the auto, but if letting them repo it is a solution to the past due amounts I will not stand in their way.
I hope a mutually compatible agreement can be reached either way. Thank you for any help you may be able to provide. Sincerely,
|
| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX XXXX XXXX did a consumer credit transaction with Santander Consumer USA.
There was a down payment charge in this consumer credit transaction which is a violation of the TRUTH IN LENDING ACT.
Violated Title 15 U.S. Code 1605 Violated Title 15 U.S. Code 1662 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The finance charge was NOT the sum of all the charges. Which is a violation of the Truth In Lending Act.
Violated Title 15 U.S. Code 1605 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 Santander Consumer USA never gave me notice of right to rescind or the applicable forms to do so. Which is a violation of the Truth In Lending Act.
Violated Title 15 U.S. Code 1635 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The retail installment contract the dealership provided on Santander Consumer USA behalf is a consumer credit contract which is an instrument.
16 Cfr 433.1d Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
The consumer credit contract fits the components of a promissory note.
Santander Consumer USA is a Financial Institution that is part of the FDIC.
Promissory notes are considered legal tender and can be deposited for credit.
Title 12 U.S. Code 1813L The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association, or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection.
Santander Consumer USA received my consumer credit contract/instrument and deposited it as an asset.
You, SANTANDER CONSUMER USA and its representatives/agents are Civilly & Criminally Liable for your transgression against me, a Consumer & Natural Person , under Title 15 U.S.C 1611 & Title 15 U.S.C 1640a ( 2 ) ( A ) ( i ).
|
| 02/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I was issued a loan by Chrysler Capital Santander on XX/XX/XXXX. I am on a fixed income and XXXX. I went back a few days later to opt out of the service contract to lower my payments. Since then the dealership XXXX XXXX has been replaced by XXXX XXXX. I noticed years later that they changed the percentage rate from 10.50 to 16.90. My loan defaulted on XX/XX/XXXX. I filed a complaint on XX/XX/XXXX with the State Attorney General and received a letter XX/XX/XXXX acknowledging that they were aware of Santander Consumer USA unlawfully funded auto loans that they knew were likely to fail. I recently obtained copies of my credit reports XX/XX/XXXX and on the XXXX report it states Debt Buyer Account from XX/XX/XXXX to XX/XX/XXXX. I've been struggling but made those payments and partial ones. I have gotten a few extensions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had been requesting a copy of my credit, loan application from them because I believe the Dealer altered my application by inflating my income to get an approval without my knowledge. I am on a fixed income ( negative residual income ). I was unaware that they used an internal score and power booking to approve me for the loan. I was never notified and that was even admitted to in the lawsuit. Had I known that I would have taken a loan out with my bank. The Dealer was being dishonest and misrepresented me by giving me a loan that they knew I could not pay. I even traded in my old jeep for this new one. In the meantime I'm emailing, calling requesting a copy of the credit, loan application on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice. They kept telling me that they sent it on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and to look in my spam folder. What they were emailing sending were copies of my payment history and 2 hard copies of my contract which I already have. Still no copy of credit loan application. I called the new dealership spoke to someone named XXXX he said all the records were destroyed since the new dealership took over. But on XX/XX/XXXX I recieved an email from XXXX XXXX from XXXX XXXX stating that I had been selected for their Vehicle Exchange Program Really? They claimed to not have my credit loan application or any information because it was destroyed. So I continued to wait for a copy of loan credit application but instead I got a statement stating no valid phone number. My phone number is still the same and they put this account on my credit reports. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. My credit is ruined because of this. They were wrong to do this without all the facts and trying to work something out with me. So how can I have a contract with them if my information has been destroyed? I have called them numerous times and have gotten up on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX twice. I need for this to be sorted out and resolved. Thank you.
|
| 01/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Dear Sir/Madam : I am in serious need of help/advice regarding my auto loan with Santander Concumer USA and believe I am a victim of USURY - auto loan unfair lending practices.
While I have been going through a relentless battle to keep my car from being repossesed by Santander Consumer, I ultimately lost my battle on XX/XX/XXXX wgen they repossed the car out of my driveway in the middle of the night. Now they are attempting to collect an exuberant amount of money that they say I owe them. You will see by the information below that I have already paid they an enormous amount of money, almost 3/4 of the price I purchased it for and now, after the repossession and sale of the car, they say I still owe them a little more than the original price I paid for the car.
Below is my story, I sincerely hope you can help me, or refer me to someone who can.
I bought a car while living in Florida in XX/XX/XXXX. I had really bad credit, and had only had a consistent job for a couple months, and was living in the homeless shelter system for just about two years -- but the Auto Dealer at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL ) assured me that he could get me a loan with a down payment - even though everyone else had turned me down. He obtained the loan through Santander Consumer USA. He never checked my work history, or my residence history and I drove out of the lot with the car.
At the time I had no idea what type of contract I was signing, but being so desperate and needing a car, I trusted that the auto dealer was doing the right thing for me. As it turned out, that was not the case, and I am now paying a serious price for that unwarranted trust.
I had been paying for this loan since XX/XX/XXXX, and just about every payment I was able to make was going to Interest. I got behind in payments on and off, because I really could not afford the car, because I had been in and out of jobs and barely surviving. And Santander misled me in believing the extensions they gave me would help me -- when in reality it was just another bad tactic and way for Santander to abuse my hardship to their advantage by attempting to collect more interest from me.
To date, here is the status ( see below ).
Bought Car for ( amount financed ) : {$14000.00} Interest Rate : 17.16 % Monthly payment amount : {$330.00} Total Payments made to date : {$9600.00} Payments went to Interest : {$7800.00} Payments went to Principle : {$1700.00} Before repossession they say I still owed on the car : {$14000.00} After repossession and sale of car, they say I now still owe : XXXX - ( per letter dated XX/XX/XXXX from them ) At this rate, there is just no way I could ever pay that -- and even if I did, I will then have paid over double what they sold the car to me at -- and still have no car to show for it.
Do I have any recourse - please tell me I do?
I truly appreciate any advise or referral that you can offer me in trying to resolve this.
Thank you,
|
| 01/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX of XXXX, i purchased a XXXX XXXX from the XXXX, Fl dealership. I put {$10000.00} dollars down as my down payment. My sales contract had the following terms : 72 payments @ {$260.00} / mo. running from XX/XX/XXXX - XX/XX/XXXX with Santander Consumer Financing. {$12000.00} was financed for {$7100.00} interest over the 72 months for a total of {$19000.00} owed to Santander. We are in the 67th month of the 72 month loan and have already paid over {$10000.00} dollars in interest. That's {$3000.00} dollars more than the stated contract. They claim that there is still more interest to pay. We have paid {$13000.00} of the {$19000.00} loan. That leaves {$5200.00} owed on the loan. We have 5 payments of {$260.00} owed on the back end of the loan which would extend our payments to XXXX of XXXX. Santander Consumer claims we still owe {$10000.00} on the car. They have overcharged me on interest and not been applying my payments to the principal balance for years. This is fraud / theft. Every time i talk to a representative of the company, their statements contradict the prior representative i have talked to. I got dangerously ill in XXXX and XXXX and Santander worked with me on minimum payments to help me out. I do appreciate that. My payments were originally set up as being due on the XXXX of each month since i am XXXX and receive my monthly check on the XXXX of each month. They now claim my payments are due before i get paid and are charging me late fees for the last 3 years. They are threatening to repossess the car on the XXXX of this month ( XX/XX/XXXX ) if i do not pay the estimated {$10000.00} dollars by then. I want the overcharged interest ( currently over {$3000.00} dollars ) applied to the minimum payment months ( 18 ) and any outstanding payments owed on the back end of loan. 10 more payments owed this year and they are trying to steal my car from me after almost 6 years of steady payments.! 0 payments of {$260.00} = {$2600.00} owed on the loan, not {$10000.00}. Santander has been harassing us daily for about 2 years on the phone and has ruined my credit causing me to have to pay higher insurance rates. Santander has on my credit report that i did not pay the loan and i owe them just under {$10000.00} dollars. I want this removed immediately!! If they are trying to take my car back after almost paying off the loan, how many other people have they illegally scammed this way over the years. I suggest a thorough auditing review investigation by the government should be implemented immediately to put an end to these kind of " predatory '' business lending practices. You can not establish a plan and then not honor it with the consumer. By the way, Santander claims they did not receive my {$10000.00} dollar down payment. XXXX says they didn't get my {$10000.00} dollar down payment. Yet, it clearly shows the {$10000.00} dollars as the down payment on the loan / sales contract. Who is scamming who here?
|
| 12/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander is not operating fairly. In XXXX XXXX, I submitted a payment in the amount of {$360.00}. At the time, my payments were current. The entire payment was applied towards interest. I spoke to several representatives who attempted to justify why my entire payment was applied towards interest. Each representative implied that because I last submitted a payment in XXXX, interest accrues daily, thus the payment submitted in XXXX, as per Santander, was justifiably submitted towards interest. That may be their reason, however it is not justified. In XXXX, two partial payments were submitted in the month of XXXX to satisfy the payment for the month. As I was one payment ahead at the time, my next payment was not due until XXXX. Additionally, Santander claims that interest accrues daily and when payments are late additional interest builds between payments. This is what I do n't understand and none of this in explained in my contract ( please review ). How is it legal for a finance company to demand additional money other than what is stated in the contract? Late fees should be applied to late payments ; not additional interest that exceeds what in noted on the contract. Previously Santander responded that payments submitted in advance reduces the interest, apparently, this is not the case.
My second complaint is I have a statement which reports my principal balance as {$8500.00}. However, after reviewing my credit report ( XXXX ), Santander falsely reported that I owed {$9200.00} - an increase to what I previously owed. This information greatly hurt my credit score. How and why are they able to do this?
This contract with Santander has placed me in dire straits. I can not continue to pay for a car when the balance never goes down. The maturity date listed on my billing state is : XXXX XXXX, XXXX. However, given the amount of the principle balance, ( at {$360.00} per payment ) I am obligated to payment 23 additional payments - close to two years of additional payments and the car was financed in XXXX of XXXX?
This can not be legal.
Yes, late payments were submitted during the loan period. However, prior to now my payments were on time. Why does a XXXX dollar corporation ride on the backs of individuals who are put at their mercy to get approved for a loan? So is it fair to say that as long as late payments are submitted, Santander is able to apply additional money on the loan? I need answers.
This is my ******SECOND COMPLAINT****** Please note, as of XXXX XXXX, XXXX, my principal balance, as notated on Santander 's payment ledger was {$9100.00}. As of today, as noted on a payment statement that I received in the mail, my principal balance is {$8500.00}. Please keep in mind, that my contract began in XXXX of XXXX and I have paid close to and/or over {$22000.00}.
I would like a full explanation how Santander is able to receive additional money over the total amount that is noted on the contract.
|
| 03/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
In XXXX of XXXX I financed a car loan through XXXX XXXX - a division of Santander Consumer USA , Inc. The monthly payment was {$500.00} with the first payment due on XX/XX/XXXX, the term of the loan was 72 months in length and I would make my final payment on XX/XX/XXXX. Over the term of my financing I ran into multiple difficulties in making my monthly installment. I was offered a deferment of the payment ( s ) that I was behind. Over the term of my loan, I deferred a total of XXXX payments. Each time I spoke with a representative of Santander they would advise me that my maturity date would be extended and I would be charged a fee of {$25.00} to defer my payment ( s ) and it would bring my account back to good standing. I would be recorded accepting the payment deferment, it would be reviewed and within a week my account would reflect current. I would not sign any paperwork for the maturity date extension. After my final deferment, my new maturity date was now XX/XX/XXXX. As I approached by maturity date I noticed that I still had an unpaid balance of {$6000.00} and knew it would not payoff by XXXX. I called and spoke with several representative at which point they referred me to their Office of the President for resolution. I tried to understand that if my maturity date for each deferred payment was extended how could I still owe so much? I was told that after any payment deferment my loan would turn into a " Daily Simple Interest '' loan if I fell delinquent again. I was never told that or did I sign any paperwork with that understanding. Because I needed my car to go to work, their OOP offered me a loan modification for the remaining balance. The balance I owed was then a new term and maturity to payoff my loan. I continued to try and understand how it was possible for Santander to extend my maturity date and turn my loan into a XXXX loan without my knowledge. I am currently still paying a monthly payment to Santander to payoff this balance. On two occasions I have asked a representative to please provide me a copy of my original loan note so that I can review to see if there is verbiage stating that if I accepted a payment deferment, my loan would be subject to XXXX terms. On both occasions, I received only page 1 of my 3 page note. I would like someone to provide me with how and where I was told about the XXXX factor in their payment deferral process. I felt so much appreciation when Santander offered me help through some very difficult financial times during my loan, but never expected that the additional 8 months of loan payments I made through their deferment program would still have me owing {$6000.00}. I am looking for confirmation that Santander 's practice is ethical and within Fed Reg guidelines. I want to ensure that others in my same situation do not accept consumer assistance programs from Santander when the consumer is unaware of the consequences of these programs.
|
| 03/18/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I financed a vehicle through Santander Consumer for. XXXX XXXX XXXX.
I feel like I was targeted both as single female and by predatory lending and intentionally misleading and deceptive lending practices.
My vehicle was repossessed. Throughout the entire loan timeframe I didnt receive any statements, terms or conditions, And nothing stating terms of my loans outside of initial contract inside the dealer office. There was no correspondence giving me info reguarding late fees and how my payment was allocated including interest and principal balance. I did however receive several marketing letters trying to upsale me and offer me warranties.upon trys to access my online account I was unable to and troubleshooting with the companies tech support was not alleviating the problem either. I was never able to login and access my account on the companies online site not once. Tech support informed me that there was little they could do.
I consulted with a different financer today and I was warned about and was cautioned against using Santander. That they have a reputation for deception and intentional misleading business practices.Iam a former XXXX XXXX XXXX XXXX and a current XXXX XXXX XXXX XXXX XXXX. Iam on the XXXX during this pandemic and my schedule is less then ideal, so I depend on emails text messages. I require statements which I never received. Upon calling the company today to my great surprise the address on file was an address I do not reside at and never provided. I attempted to resolve this, and to say they were unwilling to work with me is an understatement. The representative stated that a few correspondences were sent but she failed to provide an address and dates or what the mystery correspondences even pertained to. I was transferred to an unamed department which turned out to be a debt collector. I dont even know if my loan was sold. I was given no other option then to pay the loan in its entirety in order to get the vehicle back, which is absolutely not what I am able to do. I accept the responsibility of defaulting on my loan. But they need to accept responsibility of their negligence. As per of the FCRA isnt fair and accurate credit reporting supposed to be fair? And how can they justify taking the only method of transportation away from someone who puts their life on the line for this community justified without any attempt to solve this. I feel taken advantage of. I feel I have been deceived, but more then anything else I am disappointed that businesses like this if allowed to go unchecked could do this to someone else. To add insult to injury, my son is severely XXXX this vehicle is his XXXX identity, his id for first responders in case of emergency. It is our only way to alert of my non verbal son needing special assistance. And I dont know if Ill ever be able to get that back, it is our life line. I look how to hearing from you. Thank you for your time.
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In XXXX XXXX I got an auto loan through Santander Consumer. In XXXX XXXX I traded my car in for a newer vehicle and went to a different lender that paid off the loan I had with Santander consumer USA. Throughout my two year loan with Santander I had no issues and my payments were paid on time through my online bill pay every month. On XXXX XXXX XXXX I went to make a payment to my current leader through my bank website like I have done in the past, however I inadvertently sent a XXXX check to Santander ( who I still had listed in my bill pay ). On XXXX XXXX I realized that I sent my check to the wrong lender and called my bank to stop payment. My bank told me they could not do anything because it was direct funds and was already cashed so I would need to call Santander Consumer USA and have them send the check back. On the same day I did called Santander and was told by a representative that there will be a 15 day hold on the check before they refund the payment. I advised the representative that it was not a live check but a direct funds transfer from my bill pay so there is no need to hold the check and my account with Santander was closed and at XXXX balance due for over a year. She said that is their policy, I asked to talk to a supervisor and she said that they are not available but will have XXXX call me back. Later that day I went to my bank and talked to a banker and they called Santander to explain that the check was cleared from my bank account. My bank also faxed to them the receipt from my bank account. Santander said it will take up to 2 business days to upload to their system to review. My banker called Santander back two days later and was told they need my bank statement printed out. My banker sent Santander my tracking confirmation from my banks fraud department and was told again that it will take two business days to review. Two days later my banker called Santander and was told they can not talk to her about the account but any refunds will take up to XXXX45 days. At this time I was getting frustrated and called Santander myself, I spoke to a supervisor from their headquarters that transferred me back to their call center. I started recording my calls and as soon as I told them they were being recorded they told me they can not talk to me and hung up. I have sent Santander the receipt of payment that shows the funds that were sent from my account. I do not think they need my entire bank statement that has not even been sent out to me yet. Santander is keeping my XXXX and accruing interest in their account, XXXX of which should be in my account. They have not made any further attempt to contact me in regards to this " overpayment '' even though they have all my information from my closed account with them to do so. Overall, dealing with them has been frustrating as I have been given many conflicting statements from different call center representatives.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I contacted Santander Consumer USA via phone at XXXX to resolve and dispute a inquiry that I noticed on my credit reports dated XX/XX/XXXX. The representative who took the call is name XXXX Employee id # XXXX, she asked for my name and social in which i provided then she ask for the make, model and year of vehicle i was calling about and I stated to her that I was not calling about no vehicle because I dont have a vehicle with you all. I informed her that i was calling to dispute an unauthorized inquiry on my credit reports from this company. She then went over the debt collection disclaimer script and says that she a XXXX XXXX charged off on my record. I told her once again that I was not calling about no vehicle especially not that one because that vehicle was repossessed by them in XXXX and I have not contacted them every since or requested any new loans fromthem since XXXX. I asked her can she transfer me to the fraud department and then she puts me on hold. After being a hold for a few minutes she then states that they do not see a inquiry on my record and that i need to put a fraud alert on my credit report. I told her that I do have a fraud alert on my report i which i had it for 3-4 years now so that anytime my credit is being ran i am to be notified to verify that its me making the authorization. Well unfortunately I was never notified by Santander on XX/XX/XXXX that my credit was being ran by them and I havent even spoke with them to inquire about a new loan. She then tells me that theres nothing they can do too. So once again I asked her well can you transfer me to the department that handles new applications or inquiries on credit reports she says no she is the only department i can speak to. Then she also states that I need to contact the dealership so I asked what dealership am I supposed to contact if your company whose reporting on my credit report as an inquiry. I also stated thats why Im contacting your company to find out how, why and who made this inquiry and she says well theres nothing we can do. I told her that I already reached out to the credit bureaus and they told me that i needed to contact the creditor to dispute inquiry and now your telling me that theres nothing to do. So my complaint is that this company was unwilling to provide me information as to how to dispute and resolve a inquiry that was made from their company on my credit report and i was basically disregarded. This company already has very bad reviews on theXX/XX/XXXX and has recently settled a lawsuit with multiple states in the USA due to violations of fair lending practices in which i believe my charged off vehicle that i had with them is part of that settlement. Once again I just want to resolve this unauthorized inquiry and I will never contact this business for any loan products. Their reputation and trustworthy has already been tarnished across the country.
|
| 09/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
CFPB COMPLAINT : This is to file a formal complain to CFPB against SATANDER CONSUMER USA XXXX. This is with regards to my account ref # XXXX. I would like to report this businesses UNFAIR BUSINESS PRACTICES including they LACK OF CUSTOMER SERVICE. Below are their violations : 1. CANCELLATION OF AUTOPAY/ACCOUNT MISHANDLING. I called Santander today XX/XX/2018 and Spoke to a representative named XXXX. He confirmed that the last auto payment was posted XX/XX/2018. He also confirmed that Santander cancelled the autopay because the payoff amount ( last payment ) is lower than the actual regular scheduled payment. Why would the cancel my autopay if the payoff amount is lower? I would have understood that they canceled my autopay if my payoff amount is higher than the designated payment amount, but this is not the case. Cant they just change the amount to what they payoff amount is instead of canceling my auto pay? This is definitely one of their Unfair Business Practices.
2. LACK OF CUSTOMER SERVICE. Santander did not notify me that they will be cancelling /disabling my autopay. When I called today and spoke to two different representatives. They said they normally do not send out notifications, or they dont notify clients about it. They confirmed that there are not notes on the system showing that I was notified about my autopay status.
3. DISPUTES SHOULD BE DONE BY SUBMITTING A DISPUTE TO THE CREDIT BUREAUS.
Santander refused to help resolve the error they reported on my credit report. The rep I spoke with, said that I need to file a dispute to the credit bureaus first then the credit bureau will contact them. When I asked the rep why I can not file a dispute directly to them and why do I need to go to the credit bureaus, he just said that that is the process. Their credit department do not even have a phone or fax number.
4. SANTANDERS REFUSAL TO ACCEPT THE PAYMENT OVER THE PHONE. Attached to this complaint is a letter from my ACCOUNT MANAGER XXXX XXXX who manages this account and makes payment for this loan. As a matter of fact when I spoke to Santander rep today, they confirmed that they have her name showing on the account enrolled for the auto pay. The refused to assist her when she called Santander and refused to accept payment over the phone. Had Santander accepted the payment, then we will not end up with this situation and my credit file should have been damaged.
Despite the fact that the damage on my credit report are due to their errors, they wont help. Their negligence and unfair business practices violates the California Credit Reporting Act due to missing late payment disclosure. They wont even accept a dispute and wont do anything to delete the incorrect and unfair late payment theyve reported. These facts are enough for me to file the SC100 ( see attached ) in 30 days and take this a step further if this issue will not be resolved here in the CFPB.
|
| 12/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession.
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address.
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor.
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy.
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.
|
| 12/28/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety.
Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights.
Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.
|
| 04/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!
|
| 08/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XXXX That was financed with Santander Bank, At the time of purchase before signing any paperwork i was concerned about the payment of XXXX per month when my SSI was only XXXX per month knowing i could not make this kind of payment for a long period of time i spoke with Santander and there answer to my worries were settled when they explained if i made my payments for 6 months on time i could have the loan refinanced and it would most likely be half of the amount i was paying so i decided to go ahead with the deal and got a part time job to be able to afford the car. Then Covid hit the world and i lost my job so i called to get my loan refinanced and was told they didn't refinance loans and explained when i purchased the car i was told after 6 months i could and they replied yes with another bank or credit union. I then also found out while trying to get my car refinanced that i had only been paying interest nothing has brought the car amount down so i could not get it refinanced after all. So stressed out because i knew i had to get help or lose my car and my credit i called Santander explaining my problem so they offered me assistance because of the covid virus. So during that i went to several places to try to trade it in for a cheaper payment but that to was a dead in i was upside down over XXXX XXXX dollars so if i wanted to get out of the payment that's what i would have to come up with which was not possible. So i reached out to Santander again and they explained the there was nothing they could do for me either pay the payment or give the car up. Well that was not a option so while researching what i could possibly do i saw a article about Santander being sued so i read it and it was for the same thing they did to me to the tee ... Then i got the information and called and made a complaint but because the lawsuit was already settled for XXXX XXXX dollars i was not included in it. I felt i have tried everything so i contacted Santander again they still would not budge to lower the payment and to find out my loan had gone up XXXX XXXX dollars because of the assistance they gave me. I then explained that i thought that the government gave the money to companies to help consumers like me and quickly i was told i was wrong Then told that if i did not have the payments caught up by the end of XXXX they were charging it off on my credit. So i have since started back to work but not able to fix this long overwhelming problem so i have nothing else left to do but look for help because it was known from the beginning i could never afford a payment like that for a long period and i feel like they got over on me and every way i tried to fix it Santander had me blocked where it was never since the first day for me to get through this and they knew it.. So with everything i have been through i feel very wronged and no way to win ...
|
| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I had a loan opened up in XX/XX/XXXX with XXXX. A couple of months later Santander Consumer USA bought the XXXX company or loan. I made over 100 payments ( some not all the full amount but still made what I could ) on this account. I have spent my entire weekend computing the charges they charged me and the payments I made against THEIR copy of my payment history. They repossessed my vehicle in XXXX or XX/XX/XXXX. They charged off the account well before that while I was still trying to make payments and are still saying that I still owe them over {$4200.00} on the loan. They say that I was not paying off the loan because I kept accruing Interest fees DAILY when the front page of my original contract ( because Santander kept telling me THAT PAGE is ALL THEY had ) states that my loan was for {$15000.00} and that by the time all payments were made at 18 % as a YEARLY Rate, that my payments would amount to {$26000.00}. I made payments of WELL OVER {$26000.00} to their company. I know that they have had illegal allegations and lawsuits against them for this very thing. My husband and I are trying to buy a house and because Santander says that I still owe them over {$4000.00} when I have paid off every penny and then some of the original {$26000.00} loan I had with them, we are having trouble getting financed for our home. Santander has been asked MANY times by me to give me a FULL ACCOUNTING REPORT of my Account and they REFUSE to do so. They also REFUSE to give me a copy of the ORIGINAL LOAN PAPERWORK. They told me many times before repossessing my van ( which I finally just let them have voluntarily ) that I was accruing interest daily but would never give me a copy of my original contract to prove that to me. Most of the payments that I made to them they never even split up between Principal and Interest, they credited the whole payment to INTEREST and then they added fees that I don't even know what some of them were for. I do know a few were for the couple of times that they repossessed my vehicle because I got behind in the payment. They continually call my phone with an automated message to call their " servicing department '' when they took my van over TWO YEARS ago. They sold the vehicle for over {$2500.00} at auction. My payment history that I was able to get from their site before they took my vehicle shows a balance of {$2300.00} but they are still reporting to all CRA 's that I owe over {$4000.00}. Which the amount should have covered the balance due on the account. I have tried to work with this company but I know that they have a lot of illegal practices and have read a lot of complaints about them from other consumers for the very same thing on the internet. I can't find anyone else to help me get this taken off my credit or at least to have them fix it showing that I really do NOT owe them anything. This is why I am reporting them to the CFPB.
|
| 05/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I filed a complaint earlier this year when the car was still in my possession. The company Santander appeared to comply with my request if I volunteer the surrender the vehicle. I agreed to surrender the vehicle under the conditions I would have a XXXX balance. Santander hired a local law firm that send deceptive documentation NOT written in laymans terms that stated I surrender the vehicle and after it sells in the auction I will owe the difference. If i signed the form I waived my rights to any future due process. I replied to the letter and asked for the letter to state amounts so that both parties were clear on arrangement and also asked that the letter be signed by Santander and myself like a proper contract should.
The lawyer did not respond to my request. I received several visits to my house to be served for a court date. I received tons of advertisements from local law firms willing to represent me for my court date. I was never properly served but knew my court date existed. I complied and went to court and agreed that I would have the car ready and available to be repossessed.
The car was repossessed and resold at an auction. I was charged auction fees legal fees as well as the remaining balance of the car. Why am I responsible for their remaining balance Santander has the car and has sold it. Contract? The contract was illegal I was never able to afford the car loan my income was inflated to be approved. Why is it when one loses their home due to foreclosure they lose their home and no longer have to pay on the loan?
How is it that Santander acquires an illegal loan from a fraudulent company that is no longer in business due to fraud and is able to legally launder an illegal loan?
How is it that Santander writes the car off on their taxes as a total lose but then has it show on my credit twice once as a total loss and then reappear as a open account for the remaining balance?
How can Santander write off the car for tax purposes but then re gain possession of the car and make a profit from it?
Why is a blind eye being turned to this illegal activity?
Why is Santander able to target low income, low credit score and red line individuals and neighbors legally?
Why is Santander able to admit fault in court and never change their illegal tactics?
Why is it that Santander can acquire billions of dollars in profit through illegal loans but only pay bare minimum consequences?
Why is the companies being protected and not the people?
I am still waiting on the questions asked in the initial letter to be addressed.
I have been in constatnt contact with the company representatives and have been complaint. I just requested a document that stated the dollar amounts and signed by myself and the company as legal and proper agreements should with non deceptive language that the general public can read and understand. This could have been prevented.
|
| 05/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I, XXXX XXXX entered a consumer credit transaction with Santander Consumer on XX/XX/XXXX, which involved a finance charge pursuant to 15 USA 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Santander Consumer has been collecting monthly payments from me since XX/XX/XXXX which is in violation of 15 USC 1605 also Santander Consumer failed to disclose to me my right of recession and provide me with the appropriate form to exercise my right which is in violation of 15 USC 1635. On top of that Santander Consumer, is in violation of 15 usc 1692e ( 11 ) because no one informed me that this is an attempt to collect a debt in the initial communication. Also, Santander Consumer is in violation of 15 usc 1692f ( 8 ) unfair practices, because Santander Consumer 's Logo/ their symbol is on the envelopes. Santander Consumer is also in violation of 15 usc 1692g ( 3 ) because they failed to inform the consumer ( me ) of the opportunity to dispute the validity of the alleged debt within the proper time frame. Santander Consumer threatened to harm my reputation by reporting my payment or missed payments to the credit bureau which is in violation of 15 USC 1692d ( 1 ) .Santander Consumer is in violation of 15 USC 1692d ( 2 ) by using profanes and obscene language. Santander Consumer is in violation of 18 usc 1342 by using the mail to device artifice letters. Santander Consumer, is in violation of 15 usc 1692e ( 2 ) by falsely representing the character and amount of alleged debt.
In the attached documents you will see exhibits that support my claim. This is detailed information and my demands are clear and concise, 1 ) have a knowledgeable representative look over my complaint, 2 ) don't allow Santander Consumer to send a generic or vague response or respond to me directly 3 ) have Santander Consumer Report to me here for my record. I Grant Santander Consumer and the competent representative to respond via cfpb. 4 ) Hold Santander Consumer to the highest standard of the law and don't allow them to just reply with anything and close the complaint. As a federally protected consumer under the title 15 chapter 41 my rights have been violated and Santander Consumer is criminally liable pursuant to 15 USC 1611 and also civilly reliable pursuant to 15 USC 1640 and 15 USC 1692k.
I mailed ( certified mail ) Santander Consumer a debt validation letter and a cease and desist along with and opportunity to correct their abusive acts/ practices in the form of an invoice on XX/XX/XXXX all I got was the fraudulent contract. I also mailed ( certified mail ) a notarized affidavit of truth and the exhibits also an invoice to Santander Consumer on XX/XX/XXXX, XXXX.I 'm sure by using your rights under 12 usc 5531 you will hold Santander Consumer reliable for prohibited unfair, deceptive, and or abusive acts or practices.
|
| 07/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I want to require Santander Consumer USA to verify account XXXX and send me proof that they, when extending my credit, used their own funds to pay for the XXXX XXXX XXXX XXXX. I demand proof, not the contract, I demand proof that they paid for my property with their own funds, I want a receipt for said transaction. Because I spoke to them and their agent alleges that they paid for the property with their funds. I want reliable evidence. Their representative rectified that they paid for the property with their own credit and with their own funds. If this is so, I demand that the credit transaction be verified, not the contract, the credit transaction that shows that they used their credit or their funds to pay for my property THE BANK CAN NOT LOAN CREDIT Law of Truthfulness in Loans, Jurisprudence and Regulation Z The Truth in Lending Act was passed to prevent unsophisticated consumers from being misled as to the total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C. Section 1601. Griggs v. Provident Consumer Discount. 680 F.2d 927, certiorari granted, annulled 103 S.Ct. 400, 459 U.S. 56, 74 L.Ed.2d 225, in return 699 F.2d 642.
" In federal courts, it is well established that a national bank is not empowered to lend its credit to another by becoming a guarantor, guarantor or guarantor for it. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S. 669.
" A national bank has no power to lend its credit to any person or corporation. '' Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied at 20 S.Ct 1024, 176 US 682, 44 LED 637.
" It has been established beyond all controversy that a national bank, by virtue of federal law that limits its powers and capacity, can not lend its credit by guaranteeing the debts of another. All contracts of this type entered into by its officials are ultra vires " Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ).
" It is not within those statutory powers that a national bank, even if it is solvent, lends its credit to another in any of the various ways in which it could be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ).
" A bank can lend its money, but not its credit. '' First Nat 'I Bank of Tallapoosa v. Monroe , 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550.
" ... the bank is authorized to lend money as personal guarantee ; but it must be money what it lends, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No. 12, 642, 1039.
" The contract is void if it is only partly connected with the illegal transaction and the sole or complete promise. '' Guardian Agency v. Mutual Guardian. Savings Bank, 227 Wis 550, 279 NW 83.
" Banking associations, by the very nature of their activity, are prohibited from lending credit. '' St. Louis Savings Bank vs. Parmalee 95 U. S. 557
|
| 08/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I consumer : XXXX XXXX jointly with XXXXXXXX XXXX XXXX went into a consumer credit transaction with Santander Consumer USA on XXXX XXXX, XXXX. On numerous occasions we have reached out to SANTANDER CONSUMRT USA about the issues at hand. Most recently we were informed by SANTANDER CONSUMER USA that they do not abide by the IRS/Treasury Ordinance Department , nor the Uniform Commercal Code ( UCC ), nor the United States Code ( title 15 ), nor the Truth in Lending Act ; and finally mot even the Consumer Finance Protection Bureau ( CFPB ). All this is alarming and disturbing. All this was divulged at approximately XXXXPM est. standard time on XX/XX/XXXX with Agent XXXX from executive offices employee # XXXX this was all on a recorded line. Agent XXXX from executive offices employee # XXXX informed he called concerning the requested title for the vehicle. Agent XXXX from executive offices employee # XXXX informed me that they would not be granting me the title. Agent XXXX from executive offices was informed that a 1099-A was done on the account and vehicle and that a 1099-C was going to be done in addition. Agent XXXX employee # from executive offices informed that they do not accept IRS forms 1099-A nor any of the IRS/Treasury Dept . forms or documents.
The reason this was done was because on XX/XX/XXXX Santander reported the Account status as closed and the remarks regarding the account as ; : charged off as bad debt Profit and loss write-off. When communicating with Santander in regards they denied the account status was closed and that they had reported that ; despite the credit reports reading otherwise. When asking Santander the reason as to why, Santander infomed the charge off was because there was no payment for 120 days. The report read otherwise stating that last paynabt was nade on XX/XX/XXXX and also reported that time late XX/XX/XXXX days were XXXX. This is all in the report.
The reason Santander most likely closed this account was due to the Affadavit sent to Santander Consumer USA and there tacit acquiesence of non response. Again when reaching out to Santander to in regards to the affadavit sent by registered mail Santander gave me every excuse they could find as to why they have exceeded the legal and lawful amount of time to answer.
After realizing they charged the account off and reported it closed as profit and loss write off, I filed with the IRS/Treasury Dept . Santander is reporting inaccurate and fraudulent information violating title 15. Santander in addition sent correspondence stating I infomed them I was military and no such correspondence has come from me in regards to the military to anyone. i value our service persons dearly and have many family members serving and that has served this county. This is slander and libel.
In concluding all documents and receipts are contained within in regards to this report,
|
| 06/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
To Whom It May Concern : Per XXXX news ... If you were a victim of Santander, Atty General XXXX XXXX encourages you to reach out to his office, as even if you don't get part of the settlement money, they do have ways to help clean up your credit, XXXX XXXX at Atty General Said Nothing to be done ...???
XXXX Million dollar lawsuit settlement with Santander USA, my name was not on the list with XXXX XXXX, NC Atty Gen said it is based on my Credit Score on that Day, I had filed a Ch. XXXX Bankruptcy, my home was foreclosed ( XXXX XXXX XXXX, You have my complaint on them too ) not given a Loan Modification, either ) ... car was bought from the infamous XXXX, XXXX, NC in XXXX of XXXX. ( LOANS FROM XX/XX/XXXX through XX/XX/XXXX, I QUALIFY ) for Restitution. I was a victim ... How was I not qualified???
My loan number with Santander is : XXXX, astronomical interest, still owe XXXX, I am XXXX with XXXX XXXX and Serious XXXX XXXX ... I gave up my career to care for both of my parents from XXXX to XXXX, got in a bad place financially doing so, have been gainfully employed since ... I have been serving to care for others as a XXXX, XXXX XXXX during Covid ... I need Restitution, Deficiency waiver, loan forgiveness and or CLEAR title ... Can you help me please??? Investigate this ... .I NEED Why was I not qualified???
Resitiution Wanted : I want a Clear Title or a normal interest rate and this ends XX/XX/XXXX ( and Clear Title ) Please ...
Sincere Regards, XXXX XXXX XXXX ***Please see other Complaints like mine : Posted by XXXX XXXX XXXX XX/XX/XXXX I have had some of the same issues like everybody else. How do I get in on this class action law suit?
Posted by XXXX XXXX on XX/XX/XXXX I have paid off this car 3 times and I am sick that we still owe almost what we bought it for.
Posted by XXXX XXXX on XX/XX/XXXX I want to participate in the class action law suit, they have called me sometimes 3 to 4 calls per day on my lien Posted by XXXX XXXX on XX/XX/XXXX I contacted Santander Consumer on XX/XX/XXXX to voluntarily surrender the vehicle that I had financed through the company. I provided them with the location and where the could find the key. Its been almost 3 months and the still have not come to get the vehicle, but are still reporting a delinquent balance to the credit bureau. The vehicle was a XXXX XXXX XXXX that I purchased in XXXX and still somehow owed $ XXXX.
Posted by XXXX XXXX on XX/XX/XXXX Please add me to this class action lawsuit. I have the same situation.
Posted by XXXX XXXX on XX/XX/XXXX I filed attorney general complaint in N.C. for violations of finance contract being over the legal limits NC GS 25A-15. The legal limit on interest rate for credit installment contracts is 18 %.
Posted by XXXX XXXX on XX/XX/XXXX {$10000.00} dollar auto loan with {$3000.00} down all payments on time still owe over XXXX how is this possible?
|
| 05/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I am a XXXX who had a major complication in XXXX, this happened in the hospital. Later the hospital made my ability to work difficult and used excuse to get me out of the hospital and I was later cleared by the State Board. It was during this difficult times that my loan and other financial situation got worse. When the Case was to go to court in XXXX, I filed for Bankruptcy to protect myself, I eventually did not go with the Bankruptcy. May be it was because of the Bankruptcy that Satander Consumer USA stopped sending we bills, they had not sent me bills since XXXX ; NOTHING.
In early XXXX, COVID-19 started and most hospitals stopped Surgeons from doing surgery. Luckily, I was able to obtain Privilege to do Surgeries at another Hospital. In XXXX of XXXX, I got a call from Satander about paying off the vehicle with {$6000.00}. I explained my situation with the lady saying I was not allowed to do surgeries for months and surgeons are just now being allowed to do surgery. I begged her to let me pay monthly, but she claimed that I had not paid in 500 days, which was incorrect. I was so insulted that I could not call them back. Luckily, I was able to make double payments on line, but could not see all my previous payments. They refused to respond to my emails, appealing to them ; these will be attached.
Suddenly, while I paid them monthly, they came and towed the vehicle yesterday, XX/XX/XXXX. I had asked them for a payoff in writing by email, they refused to respond. When the car was towed, a gentleman, XXXX # XXXX, who answered their phone wanted me to pay far more than what I was told on line. I explained to him that I was told to pay {$6000.00} in XX/XX/XXXX, I had already paid {$4000.00}, why will you now tell me to pay {$7700.00}. Anyway, my Business had picked up, I rushed to pay the money by " XXXX XXXX '' because they refused for me to pay them directly. Unfortunately, another form of payment was used by a XXXX lady at the XXXX XXXX Kiosk, unknown to me ; she used Check free pay, which I have NEVER heard of. Satander is aware of this form of payment but they refused to accept it saying I have to wait for days to collect my car. I rushed back to XXXX, the attendant explained to Satander staffs that everything was done properly and it showed same day payment in their system, satander refused. All this happened during my clinic hours. All my patients got upset and left.
I complained to Satander about COVID interruption, they claimed they were not aware that it affected me. My email exchange will show that they are not being truthful and they DO NOT CARE. This was a used car paid with a ridiculously high interest, I had to get the car so I could run my Business.
I am not sure what remedy will apply. I had paid and overpaid them and I hope they will return the vehicle and the Title, but the whole world needs to know what is going on.
|
| 09/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for.
Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ext. XXXX XXXX
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I had an issue with Santander Consumer XXXX accepting my vehicle payment via ACH as to not have to incur additional fees.
On my first payment I utilized XXXX ( for which i too complaint to CFPB as the did not pay the companies as I had asked them too ) I gave them the routing number and checking account number yet for an unknown reason they XXXX did not pay Santander Consumer as I had requested them too there by making my very first car payment late but not only that they also made me incur additional fees all which i paid to Santander, in fact. When I found out that they payment was not made I immediately made payment in full for the entire amount to Santander Consumer that was over {$900.00}.
Well due to the fact that XXXX failed to do what I had asked them to do with my moneys. I decided to close my account and referred them to the appropriate agencies that over see banking, as this company made me incur fees etc not just with Santander but XXXX XXXX and others. Very much negatively affecting my credit etc.
Nonetheless I acquired a new bank account with XXXX XXXX, however Santander disabled the ability for me to make a payment via ACH with my new account. This is wrong as they now want me to make a payment to my loan via a service that makes me incur additional service fees to make my monthly payment.
This company is all ready known for their egregious unethical and immoral behaviour when it comes to servicing consumers. They have been subject to numerous lawsuits and complaints by Attorney Generals from 34 states including my CALIFORNIA attorney general. They failed. I have chat logs where I asked the customer service agent regarding this and she was unable to provide me with a solution or a reason why they have refused to allow me to make payment via my bank account as they so blatantly advertise to all customers including my self still.
They denied my ability to make a payment that doesn't incur a fee. In Fact just this month I was trying to pay through their website even though I would have to pay an extra fee just to pay my loan but they still wouldn't allow me to.. for some reason they blocked me from that ability as well, i had no other choice but to make a payment via the phone and through my card visa their by incurring even more charges than I would have had I been able to pay through the website it self. I called them and the provided me again with NO help or solution. Ive had to pay extra on top of extra to just pay my loan.. I want justice and fairness, I want to be able to pay my loan like everyone else and I don't want to have to pay even more fees. They all ready have charged me an extremely high APR .. This company is abusive and should not be allowed to be selective, I opened my new checking account just so i can make payment of my car but Santander Consumer wont let me pay my car loan with out extra fees.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I've reached out to Santander Consumer USA and i tried to fix the issue and concerns i had on my consumer report. Santander Consumer USA never send me a 1099c to be able to file with my taxes as income and proceeded to continue to report Acct # XXXX This company violated me in so many ways it's not even funny. 15 US Code 1681 ( b ) Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. you have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a speaks on a consumer right to privacy. Things that aren't supposed to be on a consumer report Information solely as to transaction or experiences between the consumer and the person making the report -Consumer- is an individual ( Me ) -Person- Any individual partnership, Corportation, government or governmental subdivision or agency, or other entity.
Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy.
This company have continuously violated my right to privacy and said they can report anything they want. I've I didn't want to file the complaint because this a great company, but right is right and wrong is wrong and I'm not going to continue allowing this company to do me wrong. This problem has caused all kind of hardship in my life I'm already on XXXX XXXX XXXX XXXX XXXX ) and this have caused me so much damage when it comes to my health and my personal private information just get reported because they want to, I have rights. I asked this company for Validation of this account so I could make sure that what they are saying is reported correctly and i told the company that I didn't want a E-Oscar Verification and that its unlawful for them to use information submitted by the furnisher of the account. That they are supposed to conduct personal interviews with family, neighbors, and loved ones. Not the information submitted by the furnisher. It's against the law. According to 15 US Code 1681 ( n ) Civil liability of willful noncompliance I'm entitled to compensation XXXX dollars or greater per violation. I think with this company and a lot of companies need to be able to know and understand the law before they can just go into business and think they can break and violate people 's rights. I asked the company for an SSA-3288 to show me that i gave your company actual permission to report to my credit every month. If this company could show me a contract or an agreement that i signed that they are going to report to my consumer report every month. Because a contract supposed to be with the original creditor and signed by all parties involved.
|
| 11/10/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA.
On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence.
I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further.
I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan.
On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections.
Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor.
Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from SANTANDER CONSUMER USA XXXX that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b.
The billing statement I received by SANTANDER CONSUMER USA XXXX on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter.
15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SANTANDER CONSUMER USA XXXX can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( XXXX ). If SANTANDER CONSUMER USA XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately.
SANTANDER CONSUMER USA XXXX as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA XXXX for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error.
with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
|
| 04/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
XX/XX/19 - XX/XX/19 Specific dealership - XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX, AL.
While researching trucks, XXXX XXXX 's XXXX had the truck that I had been looking for. I called and was greeted by the internet sales manager ( XXXX ). I informed the manager of my budget and the importance of staying beneath {$400.00} a month. The internet sales manager reassured me that this was feasible with no money down, and no trade in required. I was reassured that this was the case whether I leased the vehicle, or purchased it. I was informed that they hadn't met their sales quota for the month, and were 12 vehicles short. I was also advised that the finance manager would do whatever is needed to make the truck fit into my budget due to the dealerships numbers for the month. Examples were given that the dealership had special coupons to discount the vehicle even more. During the conversation I was reassured this was a forsure thing. I submitted my loan app online to reduce time at the dealership.
The internet sales manager followed up with me prior to me leaving my house and advised that due to me and my family driving from a different city/state to purchase the vehicle it would be in the price range I needed to be. I was advised to ask for the assistant manager XXXX upon my arrival. My wife and I rushed to get our XXXX kids ready and arrived before closing.
A sales rep ( XXXX ) greeted me outside and walked me to his desk. I informed the rep that I already had a deal booked and only needed to speak with XXXX. The rep stated he was brought up to speed and would be assisting. From there a paper app was recorded, even though I had already submitted one electronically. The sales rep pulled the vehicle around and allowed me to test drive. Once we returned the sales rep stated the best they could do is {$620.00} a month. I educated the rep that the deal was already set, and the monthly payments would be less than {$400.00}. He went back and spoke with the finance manager who now requested to purchase a vehicle that I had no plans on trading in. Even with the trade in allowance that I was told wouldn't be needed, the monthly payment was still higher then what was originally agreed to. The offer was declined but the sales rep asked for me to give him to noon tomorrow to try and work the deal. My family and I left and drove back to our city/state.
The next day came and I was forced to follow up with the dealership myself. I was informed that the closest they could get to my previous quote was XXXX on a lease with more than 2k for a down payment. The offer was declined and I informed the sales rep that I will be leaving feedback from my experience.
Transparency was key, and not present during this transaction. Had I known this wasn't an option, I wouldn't have ran my credit, nor would I have driven my family to a different city/state.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On several occasions I requested that SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. SANTANDER CONSUMER USA has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to SANTANDER CONSUMER USA was XXXX of XXXX. However SANTANDER continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing SANTANDER CONSUMER USA, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the XXXXedit Reporting Agencies allowed SANTANDER CONSUMER USA to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date.
Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SANTANDER CONSUMER USA is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).
Making a false and misleading representation in violation of 1692e ( 10 ).
Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.
Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that SANTANDER CONSUMER USA is removed from all Credit Reporting Agencies immediately
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
sometime around XXXX i fell behind on my car loan due to a medical issue that required XXXX well being a veteran the va is not the easiest hospital to deal with so i was out of work for 2 month on and off after 9 trips to the emergency room i finally had XXXX after finally getting released by my doctor to go back to work which was XX/XX/XXXX i had call SANTANDER CONSUMER USA to see if i could get assistance and i was approved well they told me they was sending documents in the mail and i needed to read them over and sign them and return them ASAP well a couple days went by and i started feeling sick and had to go to the emergency room again and found out i got a XXXX from my XXXX and had to be admitted and given XXXX when i get released from the hospital a couple days later and once home i called santander back and informed them i have not received anything in the mail and they then and only then told me they sent the documents to my email and i had already told them several times " I DO NOT HAVE INTERNET ACCESS and when i got to a computer at the library and signed into my email account and open that email it was expired and this now is around XX/XX/XXXX and i made my XXXX payment and i have called them every week from XX/XX/XXXX until today asking for that assistance and they keep denying me assistance and they told me because of those payment i missed due to my XXXX there is no assistance and there has been nothing that changed but me putting my phone # on the do not call list cause they was calling me while i was at work and they got me fired and because i put my number on the do not call listen i talked to them 2 times last week on tuesday and on thursday come friday not only did they call my mother telling her my personal finiance business about my car loan but they also called my sister and and did the same thing telling her my personal business and telling them they need to get in touch with me for no reason at all well both my mother and my sister work for the XXXX XXXX and they are not aloud to use there cell phone and after santander called them they both got wrote up for " unlawfull use of a cell phone '' i never gave them or the dealer neither my mother phone or my sisters #! and every time i have called they give me a different reason why they dont have assistance! i honestly 100 % feel like i am being discriminated against and the way i am disrespected on the phone by them i also feel like i am being harassed and the reason i cant get any assistance is purely out of retaliation! they have nothing in black and white or any guid lines on getting assistance and i was told all they do is sit in a room and review my issue and then say yes or no so its based purely on opinion and after being talked down to i told them i was going to file a complaint and the lady on the phone got smart with me and hung up!
|
| 06/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX ).
Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all.
To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments.
I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for.
Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan
|
| 02/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
XX/XX/XXXX I was looking to buy a used truck for under {$10000.00} I found on the internet. I knew my credit score was weak because I just did my annual free credit report.i found the truck and wanted to make a deal. I then was told that no finance company would do a contract due to the miles and that I needed to look for a more higher price vehicle to guarantee financing.So I was pointed to a XXXX XXXX XXXX XXXX.which had a sticker price marked at {$18000.00} on the window the basic model car I then went ahead and just told them to pre screen me to see if I qualify for a loan on the car, I didn't even test drive the car because I didn't think I would be able to afford it.so while in the office I mentioned to the dealership manager that my sister was a employee at their dealership and he assured me that I would be taken care of.ok while the contract was being drawn up the manager walks in the salesmans office and says by the way I'm throwing in a service contract for your car it's really good and it will help your deal go through because finance company 's like that your protecting your investment I mentioned to him it's a new car doesn't it have a factory warranty? His response was I needed it to assure me the loan and I can remove after 6 months.I honestly felt I can trust him being that I have family working there.So then he comes with my credit report and asks me if I was in jail for like 10 years or something why I did not have any sign of revolving credit or bank account or credit cards? I told him I had a car reposessd in XX/XX/XXXX and that it just depressed me and would never let it happen again so I was just cash on hand.he mentioned that no bank would give me a interest at 3 % which is what I asked for I had a lack of credit history total debt was {$1100.00} how a 13.9 % interest rate on my final contract and i was told only chrysler capital was the only one who could finance me was odd. 6 months go by I remove service contract, and I am devastated when I hear XXXX is stopping production on the XXXX.I saw a msrp in XX/XX/XXXX of {$21000.00} fall to {$13000.00} with factory rebates on the same purchase I just made 6 months prior.I can't refinance car because I owe {$16000.00} on a car that was financed at 13.9 % all my payments of $ XXXXmore the 3/4 going towards interest I know cars lose value but this is like a robbery on paper I wrote dealership various letters with no response.all I ask is a fair deal, I like the car.i paint cars for a living and I did some awesome upgrades to the car I want the dealership to rewrite the deal at a lower interest rate without the service contract so it doesn't inflate the price from when I bought the car with the {$1000.00} down I put on it and I don't think it's fair to be mislead into buying a car because of the price keep in mind I walked in looking for a truck.
|
| 03/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX my vehicle was repossessed after being late 6-7 times in over 3 years. Payment was made on the loan in XX/XX/XXXX and the Lender was contacted to confirm the status of the loan. Per the Lender my vehicle was repossessed after 72 days of being late, although I had made payment on XX/XX/XXXX and arrangement to make additional payments to become current.
Just prior to the issues I made contact with the Lender in XX/XX/XXXX and XX/XX/XXXX to discuss a temporary employment issue that I was experiencing and make payment. I advised that my financial issues were temporary and requested my loan be adjusted to allow me to catch up on the late payments. I was advised at that time I did not qualify. The Representative was also asked if I was in any danger of repossession and I was advised that I was not, however I was 53 days past due.
On the date of repossession I placed a call to the Lender to discuss what had occurred and find out the amount needed to recover my vehicle and find out why my vehicle had been taken. The Representative asked a series of questions and when I was asked why I had been late 6-7 times. I advised her that work had become slow and a temporary lay-off, this caused me to be late. Additionally, I was asked to provide a reason about late payment dates over a year ago and when I advised her that I could not recall what occurred over a year ago, the Representative advised me that I did not qualify for recovery and needed to pay the entire loan balance in the amount of + $ 20k, because I could not answer her questions. When she was advised that I do not understand why they were demanding a full payment the Representative stated, " Well since you do not know why your were late and could not answer my questions, you will need to pay the full amount. '' The Representative refused to except my source of income information, indicating that there was nothing that could be done because I just did not qualify.
When I asked to speak with a Supervisor I was advised that none were available and that someone would call me back. I never received a call back. I subsequently called back several times and was advised by various representatives that the determination had been made and I would not be able to recover the vehicle without full payment.
As I further reviewed the account it was discovered that my principal balance never decreased and that the daily interest rate calculated when payments were late absorbed the payments made over the course of years. The principal balance decreased. The interest rates were predatory and the charges were not fully disclosed, without explanation from the Lender. The loan origination amount was {$20000.00} with the current balance at this time being {$20000.00}. This would appear that only {$220.00} applied to the purchase of the vehicle in 39 months.
|
| 11/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX XXXX, entered into a consumer credit transaction with CHRYSLER CAPITAL on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CHRYSLER CAPITAL took cash. The finance charge is suppose to include insurance, but CHRYSLER CAPITAL made me purchase insurance separately. CHRYSLER CAPITAL is in violation 15 USC 1611. XXXX XXXX XXXX willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
Pursuant to the provisions of the Truth and Lending Act ( TILA ), 15 U.S.C. Section 1635, I hereby rescind the above-referenced loan, due to violations of TILA, including but not limited to the unlawful failure to give timely and proper notices required under TILA.
With this letter, I hereby exercise my rights under the Federal Truth in Lending Act, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23 ( b ) ( 5 ) to rescind the above referenced Auto Loan. The Truth in Lending disclosure statement was defective for the following reason : CHRYSLER CAPITAL is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge is suppose to includes insurance which protects the creditor against the obligor 's loss, and property damage. CHRYSLER CAPITAL did not include my insurance in my finance charge and made me purchase seperately.
CHRYSLER CAPITAL is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. CHRYSLER CAPITAL in fact took cash as shown in the attached exhibits.
CHRYSLER CAPITAL is in violation 15 USC 1611. CHRYSLER CAPITAL willfully and knowingly failed to provide/ disclose information required under the provisions of 15 USC 1601. They are now civily and criminally liable.
Pursuant to 15 U.S.C. 1635 ( f ), my right to rescind this loan extends for three-years as a result of this defective Truth in Lending disclosure statement. This rescission notice has been sent to you within that time period.
Please be advised that your security interest on my vehicle is now void per 15 U.S.C. 1635 ; Regulation Z 226.23 and you have twenty-days to return all of the payments I have made on this loan and to do your part to terminate the security interest on my vehicle, terminate loan and also as remedy pay the attached invoice for violations of federally protected consumer laws prasuant 15 U.S.C. 1601 which includes double my finance charge which you are liable for, I need my title lien free, and my vehicle returned, also I REVOKE and TERMINATE any and all POWER OF ATTORNEY that was given during the consumer credit transaction.
|
| 09/24/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Over the course of my lease since XXXX, I have been assessed a number of fees without any explanation for those fees. In the last 3 years, I have attempted to log in online and learn more about those fees. Unfortunately, I have not been able to do so. So, I have deal with Chrysler Capital over the phone, including my call to them today.
I have recently received a bill from Chrysler Capital. It included yet another fee. The description is very scant and just says " Assessment. '' When I called Chrysler Capital today XXXX XX/XX/XXXX XXXX, I initially spoke with XXXX. When I explained to XXXX my situation and my frustration with Chrysler Capital, she told me that would need to transfer me to another person, who should be able to provide me with a copy of the bill. I also asked her, if the company could share copies of all bills they they have received of the past three years, so that I could have a clear understanding of : a. ) what organization send bills, b. ) the amounts, c. ) why Chrysler just blindly accepted those charges.
XXXX passed the call onto another representative. This time XXXX XXXX XXXX XXXX told me he would look into this and see, if he can share with me the requested information ( i.e.g copies of all bills ).
Over 30 minutes later, after I started talking to XXXX, XXXX tells me that he is not able to provide me with any copies, either for the current bill ( the most recent assessment in XXXX ) or let alone for old bills.
XXXX also tells me : " You will need to call the state and find out from the state what that fee is fore. '' I asked him what states and what organization in the state. He told me he does not know. He didn't have any names, he didn't provide organization names, he didn't share any phone numbers.
I asked him to escalate the call and speak to his manager. He told me he would oblige. Some time later, he returned and told me that the supervisor is not available and I would need to call the state.
Moreover, XXXX told me that I had a different address on file. So, I told him that I have been receiving monthly statements from them in mail since XXXX and at the correct address in XXXX TX. He told me he does not know how, because the address in the system is was from XXXX VA.
So, essentially by the end of the call : 1. XXXX acknowledge that he understand how frustrated I am, 2. He told me to call the state and provided no additional helpful info ( names, phone numbers ), 3. He told me that the supervisor will not be able to call me back, 4. They are not going to wave the fees, 5. They will not be able to share copies of the bill ( s ), 6. And there is nothing else he can do due to system limitations.
Over the past 3 years, I have accumulated over {$1700.00} in fees and I have no idea what those fees are. I still can not log into Chrysler Capital online account.
|
| 12/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Hello I am writing because I would like help in this situation.
On XXXX XXXX, XXXX I took out an auto loan with XXXX XXXX Bank and the next thing I know I received a letter stating my loan was sold to Santander XXXX XXXX on XXXX XXXX, XXXX.
I have been scammed by XXXX Dealership located XXXX XXXX XXXX XXXX XXXX, CT XXXX. First they sell me a XXXX XXXX XXXX rental car for {$37000.00} then they gave fraudulant income information to XXXX XXXX Bank. Then Santander buy the loan and charging me a cash selling price of {$22000.00} plus interest.every month at different rates. And I am confused as to how they can do this.
When I signed the contract with XXXX XXXX Bank the total sale price is {$37000.00} which was all addition added to the sale of the car. Which is XXXX of the many reason I sued the dealership for their role in this unfair dealing with consumers.
once my loan was sold and I became aware of the deceptive practices of the dealer i contacted Santander to make them aware of this scam we was in. I then requested all document containing to this loan transfer and asked What made them give me a loan. That is when I discovered XXXX gave them false information at that point I informed Santander of XXXX deception and demanded an investigation which never happen. But they did send me a retail contract and no other document showing my loan transfer information.
At the time of my contact with Santander I was in the process of suing dealership so I was n't sure exactly how XXXX case was going to end. So once I won case against them I did not know at the time that finance loan companies are just as responsible for this happening to a XXXX mother of XXXX.
Again, if XXXX XXXX Bank would have done the proper documentation they would have know that I am a mother of XXXX with no job collecting social security XXXX since XXXX. But they did n't which violate the True and Lending Act. If this company would have properly checked my credit they would not have offered me a loan for such a large amount. So I blame the auto loan company and dealership for this happening to me. I would have rather been denied a loan then to be in debt for over {$32000.00}. Due to these business violating there responsibility of the law. All I wanted and believed was they was being honest to me about the financing of the car.
Then once santander took over loan a new set of problems came. meaning the high interest monthly. it did n't bring the total down i could n't get answers as to how they took over my loan.
So at this point i feel like Santander, XXXX XXXX Bank and dealership are responsible for breaking laws against me.
I think our contract was breach due to negligence on behalf of all companies named above.
I just want to be put back in the same position before I met these companies. With no debt and little money.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Not sure if what I sent went through. Trying again to submit complaint. For 2 years I have been diligently working on obtaining an new home. I was approved for a home with credit scores in XXXX 's and above for XXXX XXXX. My next review of my scores will be in XX/XX/XXXX.
My due date to make car payment is the XXXX of each month. In XXXX ( on or before the XXXX ) I received a call asking for payment. I sent {$490.00}. A few days later another call came in asking for payment and I sent another payment ( thinking that something went wrong with the first payment. Internet has been slow these past few weeks. So I contacted the company and asked for a copy of transaction history to see what had happen to my payments. I had the two confirmation text, but I was still getting calls so was concerned. I saw that I also had a email from fico.com stating that my credit rating had drop from Santander submission. I went to check and my Fico scores were now in the high XXXX. All three bureau had dropped my points by XXXX points. I was very upset and contacted Santander.
I spoke to first Santander representative and she stated that my account was 30 days past due. I stated that my monthly due date was XXXX each month. She stated she did not see that in her system. I stated that it is in the system, because 3 years ago I requested the date change and it was approved so that my due date would fall near my pay date from work. I asked to speak with manager and a man name XXXX came on the line. He verified my payment date of XXXX ( employee ID XXXX ). I stated to XXXX that I had a copy of my payment transaction history from Santander for the last 2 years and it showed where I made 2 payment in XXXX ( which covered XXXX and XXXX ) within the 30 days time period and that this may have thrown off the count for them. XXXX referenced a XXXX missed payment, which I stated that that date was within the 30 day time frame as well and that that time period was marked over 30 days late as well in error. I asked if the mis-reporting could be corrected and he stated no that Santander does not make corrections to credit reporting on dates that fall out of the 30 day window. I stated to XXXX that for XXXX years, I have paid on time within the guidelines and at the end of the conversation I realized that this company did not want to admit their fault.
I am providing the Santander transaction history for 2 years and a snapshot of myfico to show that every month I have pay within the guidelines and only have 2 past 30 days in which they are not past 20 days ( due date for payment is XXXX each month ).
To say that I need this corrected asap is an understatement. For mortgages, the scores have to be XXXX and above and I was in the XXXX and high XXXX.
I in turn need this corrected as I have done exactly what I was suppose to do.
|
| 12/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have a vehicle that I am leasing through Chrysler Capital. I have had my car since XXXX 2013 and have been making automatic payments for 24 months without issue. On XXXX XXXX, as what happens on the XXXX of every month, my bank account was drafted by " Chrysler Capital Payment '' for my payment of {$370.00}. It then posted to my account on the XXXX. I travel for work so I have all of my reoccurring bills set up to auto draft. Since I saw it drafted I did n't think anything of it again.
This past weekend I checked my XXXX XXXX and I had a statement from Chrysler. Imagine my shock when I opened it to find it was showing me past due and that I had not made a payment since XXXX. It was after hours and a weekend so I could not immediately call.
Monday morning on my way to work I called customer service and spoke to a customer service representative. I explained the issue I was having. He said it 'showed the payment on my account but not sure why it did n't post '. He said he would send it to the accounting department to get it taken care of and would have my late fee removed. He said for me to fax a copy of my bank statement showing where the payment was drafted and to call back in two days to make sure everything was taken care of.
I just called again now, and there is still no resolution. They show where I faxed in my bank statement ( a detailed statement of the draft is included as well since I work for the bank it was drafted from ) but nothing else has been done yet. The girl told me to call again tomorrow to check on the progress.
Here is my issue : Chrysler is not doing the right thing for the customer. As a customer every time I called I am being told " I am 22 days late ( or XXXX as of today ) would I like to take care of it ''. In addition, I have been assessed a late fee that has not been removed either. This was NOT my mistake. My account was drafted by Chrysler as it always is. I ca n't help that after it was drafted the accounting department did not post it correctly. Working at a bank, if there is a bank error the first thing we do is to fix it for the customer. After we fix it we then try to figure out what was wrong or where the error occurred. The right thing to do would be to credit my account for the {$370.00} payment that was drafted from my account. ( Like my bank statement shows and the first representative could see ) Then you can research where the error was on Chrysler 's side. Because Chrysler is not doing the right thing I am incredibly stressed because it is showing I owe over XXXX and late 24 days. Not to mention if this is n't corrected soon they will report me late on my credit report and then my next payment is due on the XXXX. To top it all off - Chrysler wo n't call me back - they expect me to call back and follow up instead of Chrysler following up with me.
|
| 09/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Greetings, My name is XXXX XXXX. I am filing a complaint against Santandar Consumer USA.
Account number : XXXX Santandar Consumer USA XXXX XXXX XXXX XXXX, Texas XXXX XXXX.
I am one of many of Santandars predatory lending victims.
I purchased a XXXX XXXX XXXX through XXXX in XXXX California.
The amount financed was {$16000.00} an APR rate of 27.67 %. The total FINANCE charge was {$17000.00}. Total cost of vehicle {$33000.00} with monthly payments of {$470.00}.
I have made payments totaling {$20000.00} as of today and only {$510.00} has went to the principal of the price of the vehicle.
I have been paying on this vehicle for 5 years. From XX/XX/XXXX to now XXXX, and only {$510.00} has been applied to the purchase price.
I am currently behind {$3200.00} and at risk of my vehicle being repossessed. I am currently being harassed for payment.
My vehicle was 1st repossessed in XXXX, and gratefully I was gifted money to recover my vehicle.
Since then, it has been a struggle to pay off this vehicle with a 79 month term with payments of {$470.00} a month.
I was just made aware of Santandar 's lawsuit that settled a {$550.00} XXXXXXXX XXXX lawsuit for Predatory lending practices by, in my case states that : The consumer who qualifies for this relief, A ) Defaulted on loan but not repossessed and will be given forgiveness and car title if vehicle was purchased between XX/XX/XXXX thru XX/XX/XXXX.
In my case, I purchased this vehicle XX/XX/XXXX. Vehicle was repossessed in XXXX. I recovered vehicle and continued to struggle to pay off this vehicle, I am currently in default and at risk of repossession.
I am in the one of the 34 states included in this lawsuit, California.
I have contacted Santandar once I learned of the Class Action Lawsuit against them that had accused them of violating Business Code XXXX by using Predatory lending practices, Credit Score Modeling knowing consumers will more likely default on the loan and never be able pay the vehicle off.
I spoke with several customer service reps, managers and the legal department at Santandar., to find a resolution for my circumstances since I qualify based on the underlying complaint along with my circumstances, they refused to help and demanding past due payments or the risk of repossession.
I am filing this complaint because I am a consumer and victim of this scandal.
I qualify for forgiveness of the remaining balance due {$16000.00} and car title along with removing all negative and derogatory points off of the XXXX credit reporting bureau 's.
Attatched is my contract for this loan with Santandar, my account number listed on all 3 bureau 's and the complaint and settlement information for Santandar Consumer USA.
If there is any additional information needed, I can provide upon request.
Sincerely, XXXX XXXX XXXX
|
| 06/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXX which was financed through Santander Consumer USA with monthly payments of {$510.00}. During this time, I have filed 4 emailed complaint, 2 written complaints, numerous phone calls to complain about the amount of money I have paid for this car to still owe over {$14000.00} as of XX/XX/XXXX. The monthly payments are {$510.00}, but I never understood why my principal has never gone down no matter how much I pay. During this time, I see that of the {$510.00} payments that I have made, if this is not paid on the due date almost none of this payment goes towards my principal. This loan was not designed for me to pay it off, but to continue in debt with no financial means to fix my vehicle when needed. I tried to refinance my loan but because the balance was so high the 2 companies that I went to after reviewing the loan declined because I could not pay the {$9000.00} deposit needed. Over a year and half ago I reached out have my due dates changed, I had experienced a national disaster and my home getting struck by lightning. When I reached out to Santander, they advised me they could not help me. I had not had any late payments reported to the credit bureau until I asked for assistance. Because the payment date change that I requested was not granted, Santander reported me 30-59 days late to all major credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent my payment information, my dispute of what Santander said I owed, and now that they have destroyed my credit and trapped me in this outrageous and unfair trade practice loan, I still am in debt on a car that is worth less than {$4000.00}. This loan is now 5years and 8months old, how can me paying {$510.00}. for this length of time does not pay for this car. Why have they practiced unfair and bias trade practices to me throughout my loan process. They do not offer any modifications, and when I purchased my car, I truly was not made aware that if the loan payment was not made by the due date that it may be no money at all that goes on my principal. I was never made aware of that at all, and unfortunately, I was diagnosed with XXXX which is why I feel that I was taken advantage of. I work extremely hard to pay my bills as I agreed too, but this company is robbing consumers, taken advantage of the underprivileged, and placing me in a loan that was never designed for me to pay it off. I made my last payment on XXXX XXXX in the amount of {$520.00}, but {$210.00} went towards the principal and {$290.00} went towards interest. Why are they still applying this kind of money towards interest? Inflation, unfair trade practice, deceptive trade practice, and designed for consumers like myself to fail in the auto loan they tricked me into. HELP PLEASE
|
| 06/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month.
In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed.
I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX.
I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX.
On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle.
So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.
|
| 08/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
XXXX XXXX of XXXX, Florida forced me into getting a XXXX XXXX. I went into the dealership only to look around. I salesman asked me if I see something that I like. I said no i 'm just looking around. He ask if I wanted to see if I qualify I agreed. I make it very clear I do n't want a vehicle only to see if I qualify. I did n't bring money, or anything else. So after he seen my mom and aunt leave the dealership, he approved me for a loan. My mom and aunt went to the store by the dealership, and was coming back to get me. The manager, and the salesman forced me to get the XXXX knowing I did n't qualify. My credit score is low, plus I work part-time. I stated that I did n't want a vehicle or loan. They knew I told them I was n't purchasing one. After they said that I said I did n't want it for XXXX minutes straight. They said the bank gave me the car and that I ca n't leave the dealership without the car that they picked out. I felt harassed, and forced to get something I did n't want. The manager said if I did n't take it he was sending it to my house. For one I was violated, two I did n't know what was going on, or what scam the had going on at the time like I do now. The took advantage of my grandmother she said she would co-sign if her son was present. He was not present she was forced also to sign the manager told the salesman to drive to her house to so she could sign. My grandmother does n't remember signing anything, she has early dementia. It was late it was time for me to take my XXXX medicine l was very confused at the time they back me in a corner basically and threatened me. I received a letter from the XXXX corporate office stating that we did n't qualify. I have been trying to call the dealership in XXXX, Florida. The manager XXXX has been rude, also general manager XXXX. I have been trying to stay in contact with bank so we can be released off of the loan. I received a letter from Santander Consumer USA, stating we did n't qualify. The president of the bank said he 's waiting on XXXX to respond it 's been a month they still have n't heard from XXXX XXXX. The manager at the dealership is still trying to qualify me for other auto loans without my permission. We are tired of this nightmare. The bank is in on the scam with the dealership. They forged our information and rolled back to the odometer. The bank knows everything that 's going on and they are lying about it. The dealership is stealing our information for us to keep the car when they know they messed up so now they trying everything they can to make me keep the car. I want something done about this, they have taken advantage of a lot of people that came through there the bank to they have a bad reputation the bank just had to pay a lot of people back because of fraud. I been gave the car back XXXX days later
|
| 08/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for Chrysler Capital, it was paid off at that moment.
Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification!
I demand ANY AND ALL late payment ( s ) be removed from the following account immediately.
- XXXX XXXX
|
| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I inherited a vehicle when my fiance died in XX/XX/XXXX. The car loan had been paid completely off just a month prior to death. I attempted to obtain the vehicle title when it was never received after pay-off of loan. I called the servicer, Chrysler Capital, and spent approx an hour trying to navigate the automated system, was placed on hold, and my call was " dropped. '' This went on for 2-3 cycles. I decided to write to the address shown on the statement, also sending CA XXXX forms for the lien release, etc. I did that in XXXX or XX/XX/XXXX. I never received a response. Then the pandemic hit and I quit trying out of frustration. The calling/automated phone system at this company is nearly impossible ALL the times I have called, and the frustration level was off the chart. I gave up. Well, it is now 2.5 years later and I still have no title. I went to the XXXX office to see if I could get it there. They advised me that I had to get it through the Chrysler Capital title dept.
On XX/XX/XXXX, I took this vehicle to XXXX to sell it. I need the money to cover my bills for the next few months since I have been off work due to a XXXX XXXX.
Once again, the cycle of phone frustration in reaching someone at C.C. to request title began.
The service assistant at the dealership and myself were tied up on the call for nearly an hour trying to pin them down on what was needed to get this done. I was asked to fax the death certificate, dmv forms, a copy of the Will/Revocable trust were submitted.
I asked for an estimated time frame for which I might expect the lien release and the title to be mailed but was not given anything. They said I wasn't privy to that info until the documents were reviewed. ( The customer service girl at XXXX said it could be 30 days. ) I do not have 30 days! I have already been terribly inconvenienced waiting 2.5 years!
I faxed a demand letter to Chrysler Capital on XXXX politely asking for them to expedite this review and process my request. I am out of time and that vehicle is indeed my property. There is no question or dispute regarding the pay-off of loan.
This company is stalling the process since XX/XX/XXXX as far as I am concerned and I can not wait.
The other thing I thought the loan company said was that I would need to go to a third-party website in order to order ( AND PAY ) for the title. I sure hope that doesn't apply here!
WHY should I be forced to pay a fee for this title which should have been sent IMMEDIATELY upon their receipt of the pay-off final payment?
I don't know the URL of the website so I did a general search and it appears that the fee is as much as {$150.00} to obtain the lien-free vehicle title! I will not pay that fee. I need help to get this whole problem resolved and that is how I came to you. PLEASE kindly help me!
|
| 09/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.
|
| 06/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Good afternoon, I purchased a XXXX from XXXX XXXX in XXXX, NC XXXX XXXX. Since the purchase of the car, I have been XXXX and transferred my duty station from XXXX XXXX, XXXX to XXXX, XXXX. I had not realized that I was delinquent in my payments and that the car payments were not current. During this time my mom who lives in XXXX is helping me straighten out the payments. I also told the finance company, XXXX XXXX that my mom had my authorization to call and talk to them regarding the loan. Due to my job and training I can not always be available to accept phones calls or call out to follow up.
After my mom reviewed the auto contract she believed I was a possible victim of predatory lending due to the interest rate being so high. And she also how I even qualified for the loan. On XXXX separate occasions my mom called XXXX XXXX and asked them to confirm what my monthly income was. On both occasions XXXX XXXX said it was {$4100.00}.
Now it 's no long a question of how I qualified. This is fraud on behalf of XXXX XXXX. My monthly income is only {$1900.00} a month. We asked XXXX XXXX to send a copy of the document they received from XXXX XXXX and both times they said they do n't have access to the info to send. They suggested that we contact XXXX XXXX because they have all those documents. I requested my file from XXXX XXXX and they sent me everything but the documents I really wanted, which is the information they sent XXXX XXXX of my monthly income and the approval letter. I had the law firm in XXXX write a letter to XXXX XXXX specifically requesting the documents, but that was over two weeks ago and still no response. XXXX XXXX, the XXXX at XXXX finally responded and still refused to send the documentation I requested.
Since this mess has started, my command has been involved in this which is negative for me. This could potentially ruin my credit and any future career aspirations I would like to pursue in law enforcement. Due to those fields being effected by how well your credit it. Not to mention XXXX XXXX is threatening to repo the car.
This is an extremely stressful situation for me and I am asking for your assistance to resolve this issue quickly. If this car dealership did this to me, most likely they have done it to countless other XXXX.
I also ask that you contact my mom as she knows all the details in this matter and can probably explain details better than I can. she is of the opinion that this should result in a huge investigation and people need to be held accountable.
As of today I learned that XXXX XXXX XXXX purchased XXXX XXXX and I called them to request the document that XXXX XXXX sent them indicating my monthly income at {$4100.00} and they refused. I asked if they only way to obtain the document was with a subpoena and he laughed and said yes.
|
| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.
|
| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I brought a XXXX XXXX XXXX with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. XXXX XXXX as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " Santander '' a car company that has been sued in a class action suit. Santander sold my account and still tried to collect on the debt that I did not owe as well as XXXX. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to XXXX on XX/XX/2021 and XX/XX/2021 and XXXX retaliated by filing a suit on XX/XX/2021. The plaintiff, XXXX has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser XXXX of the date he account first became delinquent. ( I no longer owe the Santander debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the Santander account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " Santander Consumer USA ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached Santander Lawsuit, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( Santander account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
|
| 04/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Back in XXXX XXXX I paid off my truck lean early with Santander. They released the lean and send me my original title to my truck. 6-8 months later I received a letter telling me that I owed them over $ XXXX+. I sent all my documentation of payments, account balance showing {$00.00} balance. I certified this to Santander & to the president of the company. I never heard back from them. Last year somewhere around XXXX XXXX I received another letter from Santander stating I owe them $ XXXX+. I called them and again explained that the lean had been paid off, that I sent certified letters with all documentation to Santander and a copy to the president of Santander. The gentlemen told me I needed to send them over {$2100.00}. I then told the gentlemen that the title was released to me, along with notarized letter saying my debt had been paid. I never heard from them again. Now on the XXXX XXXX XXXX I received another letter from Santander that I need to pay them {$2200.00} by XXXX XXXX XXXX or they will repo my truck.
My husband is in the XXXX and we went to XXXX, the civilian attorney called Santander. She told them that the lean was released paid in full along with the title and sent to me. My attorney was told that she would have to talk to the legal department because they could not locate my account with Santander. The person for Santander came back on the line and told my attorney that the legal department was not answering the phone and that the legal department would call my attorney back within 24 hours. She asked for the repo to be pushed off until this matter is resolved. The representative told the attorney they will not push off because I am supposedly something like 1,825 day past due on my payment. They changed their story to the attorney a few times. They told my attorney that they could not find me. This is false because not only did they send my lean release and title to my address in XXXX XXXX, Texas, they even sent the letter last year and now this letter to my current address here in XXXX, Texas. She also asked for a phone number for the legal department so she could call the Santander legal department directly and was told that there is not a number to call and again the Santander legal department will be returning the phone call within a 24 hour time frame.
Santander legal failed to return the call to my attorney within the 24 hour time frame. My attorney has drafter and is sending out a letter of dispute to Santander.
My attorney completed some research on Santander and found that this is something that has been happening to several people. She found y'all are having a suit against Santander and forwarded this to me and hopes that I XXXX have enough against Santander XXXX become part of the case.
Hope ya have a wonderful day ;
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX CALIFORNIA 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. SANTANDER CONSUMER USA Account Number : XXXX Please remove it from my credit report.
18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter.
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim.
Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983.
I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully.
" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143.
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817.
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX.
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX.
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).
|
| 02/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I entered into a contact with Santander Consumer USA approximately 31 months ago. The amount of {$13000.00} was financed, at an interest rate of 23.8 %, for the purpose of purchasing a 2015 XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX ( XXXX, FL ). To date, I have paid Santander the amount of {$12000.00}, over 31 months, toward satisfaction of this loan.
While I have paid {$12000.00} over 31 months of a 72-month loan taken in the amount of {$13000.00}, and tried to satisfy his obligation early, Santander demands yet another {$11000.00} ( {$23000.00} in total, at a profit of nearly % 70 ) before it will release the title. Profiting in the amount of {$9700.00} from lending me {$13000.00}, over 31 months, would seem to constitute usury and violate clearly established laws governing consumer protection.
The GAP insurance product that was sold to me by Santanderthat added nearly {$1000.00} to his loanhas already been declared unlawful.https : XXXX. Subprime, predatory lending practiceslike what occurred herehave already resulted in a number of consent decrees against Santander.https : XXXX.
Like millions of Americans during the pandemic, I experienced some financial hardship as a result of lost income stemming from the impact of COVID-19. During this period, Santander offered assistance through loan extension programs. While these extensions were marketed as COVID-related relief, Santander applied an additional {$610.00} in undisclosed fees to the account, which I was not told about. The extensions also resulted in additional interest under terms that were not clearly defined at the time they were marketed as pandemic relief.
The Truth in Lending Act ( TILA ) aims to ensure that borrowers such as myself receive a clear and understandable layout of certain costs and terms. TILA also requires lenders to lay out the terms in a uniform way, and make the risks and costs of borrowing transparent, and to protect consumers from predatory lending. The terms of my loan with Santander fail to satisfy TILA requirements on a number of fronts. Particularly, those provisions identified on Page 3 ( OTHER IMPORTANT AGREEMENTS ). At no time did I understand that even if I were to pay off this loan 42 months early that I would be liable for an additional {$9700.00} beyond the principal amount borrowed.
The below calculations explain the problems with my loan. I'm seeking a settlement for the rest of this loan. Paying Santander Consumer USA nearly 170 % of the loan amount he received is outrageous.
Amount Fin. {$13000.00} Total Paid : {$12000.00} Applied as follows : Interest : {$9300.00} Principal : {$2400.00} Late Fees : {$360.00} Misc Fees : {$250.00} Payoff Quote : {$11000.00} Final Amount : {$23000.00} ( 69.54 % profit ) Profit : {$9700.00} over 31 months
|
| 09/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
My issue is with Chrysler Capital.
A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.
|
| 11/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist. On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.
|
| 03/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required.
I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment.
They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed.
They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX.
They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement.
They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error.
They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.
I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.
I've bought cars my entire life, and have not ever once had this happen,
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Santander USA purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to Santander to avoid repossession. Santander refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property.
I was left without a vehicle and Santander quietly began harassing us for repayment. At the time, due to my illness, I was unaware that Santander had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of Santander, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off.
We were promised this debt would be settled and removed. It has not and Santander states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX - {$35000.00} reported as total due as of XX/XX/XXXX XXXX - {$37000.00} reported as total due as of XX/XX/XXXX XXXX - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked Santander, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but Santander refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found Santander guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as Santander USA knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
|
| 01/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.
The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and XXXX so I disputed it since the account was paid in 2016. In response, Santander recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.
Santander is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.
Instead, Santander continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.
I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and XXXX reports.
Both of our records ( mine and Santander 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.
***Documents Attached*** - Not for Posting Examples from credit reports of how Santander is falsely reporting my paid account # XXXX on my credit reports.
On XXXX, Santander changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, Santander reported the Current Status as a current Charge Off/Referred to Collections making it appear new
|
| 03/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The entity involved is Santander Bank and XXXX XXXX. Back on Wednesday XX/XX/XXXX Santander had the XXXX XXXX XXXX repossessed by XXXX XXXX. XXXX XXXX has its physical location in XXXX, NC ( which is about 45 minutes from where the vehicle was picked up ). Once the XXXX XXXX XXXX was repossessed it was taken to XXXX, SC. XXXX is roughly about two hours away from where the vehicle was picked up. During the time of transport and while in possession of XXXX XXXX the XXXX XXXX XXXX underwent some mechanical damage. To be specific the XXXX XXXX XXXX was in perfect mechanical working condition prior to being repossessed. Once the XXXX XXXX XXXX was allowed to be recovered, which was 24 hours later. XXXX XXXX would not allow the vehicle to leave until 24 hours had passed even if the balance was fully paid. I had to drive to XXXX, SC to pick up the vehicle on Thursday XX/XX/XXXX. Once the vehicle was recovered I started to hear and feel a kick in the transmission. When the truck would shift between 1st and 2nd gear it would kick. Also, when placed in reverse it would kick and spin ( making real loud and concerning noises ). I then proceeded to take the vehicle to my local mechanic XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They advised me that if the vehicle was towed/rolled without the differential being unlocked, it very well could have caused mechanical damage. XXXX XXXX XXXX XXXX XXXXXXXX advised to get a second opinion from a shop that specializes in transmissions and such. I then took the XXXX XXXX XXXX to XXXX XXXX XXXXXXXX for an evaluation. After the diagnosis took place, it was then confirmed that the transmission, transfer case and differential were all damaged during the towing process. The truck stopped operating properly after the diagnosis and was advised to get a rental vehicle. I proceeded with that and left the XXXX XXXX XXXX at XXXX XXXX XXXXXXXX. In the meantime I had submitted the various reports provided by XXXX XXXX XXXXXXXX. At this point Santander asked to wait 7-10 business days awaiting response from XXXX XXXX ( in hope of them owning the damage ). XXXX XXXX responded by saying they were not taking responsibility for the damages. Santander communicated this to me, I then explained that I was not looking for a free handout and that the vehicle was in perfect mechanical condition prior to the truck being repossessed. Santander asked me to submit records of the maintenance that had been done to the XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX provided service records for the entire time I have owned the vehicle. I then submitted these records to Santander ( which included a recent service done in XXXX of XXXX ). XXXX XXXX still came back after these records where provided and denied the claim on the damages.
|
| 01/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.
|
| 10/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX/XXXX/XXXX I was rear ended pulling into work, my XXXX XXXX XXXX was totaled. I paid my first payment that morning before heading into work. My loan was paid off except for XXXX which I had rolled a XXXX XXXX XXXX over into this XXXX loan. I dont know how billing works but in XXXX I was credited XXXX to my payments. I called in XXXX and asked who made this deposit into my account, the man I spoke with said he didnt know that he thought it was the insurance company. Statements show my next payment was not due until XXXX/XXXX/XXXX in the amount of XXXX. Fast forward to XXXX XXXX and I get a phone call saying I am XXXX months behind and when I asked how they explained that the insurance department made a mistake. The XXXX that they applied was my warranty refund onto my payments and they had to fix it on XXXX XXXX when they caught the mistake they allocated it back to my warranty on the loan. So they said that makes me due for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX which is when I was told my first payment would originally be due. When I asked for a manager I got XXXX XXXX he said that he can not make any changes on his end but for me to ask the insurance department for a Payment Allocation to be done, he transferred me to the Insurance Department on Santanders end, I got XXXX the manager in the insurance department he stated that it was a mistake but nothing can be allocated anymore and I must make these payments as soon as possible. I asked how I am liable for a mistake they made and why cant my loan be extended then to fix their mistake. I was told nothing can be done and I must still come up with the money. On XXXX/XXXX/XXXX or XXXX/XXXX/XXXX I spoke with another XXXX named XXXX at XXXX, he saw my frustration and said he will escalate my case higher up because that seemed wrong to him as well. On XXXX/XXXX/XXXX at XXXX am XXXX XXXX from the XXXX office called to speak with me, he said they can get rid of all my late fees for me but they will not extend my loan and add the payments to the end of the loan, and they will not allocate the warranty payment back to the principal for me. My internet access was cut off on me and when I called the president office back they said that when a loan is changed from my main loan to this totaled loan that they get rid of internet access for us. Why then does my latest statement from them ask me to go online and update my number and update a work number. They are being very sneaky and not letting me have access to my statements. I have a statement from XXXX/XXXX/XXXX showing I am not due until XXXX XXXX and now a statement from XXXX XXXX showing I am delinquent and over XXXX days late now. I cant have this hurting my credit because of a mistake made by Santander.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXXXXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the emergency department. I called Santander XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from Santander stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that Santander picked up the car. I called Santander where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX XXXX stated it was picked up on XXXX XXXX by Santander. Santander than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX XXXX waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a biohazard with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it.
On the credit report Santander stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out Santander stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for Santander moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and Santander to find out the next steps in this horrible ordeal.
The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.
|
| 01/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Please consider my request for support and assistance to have XXXX XXXX Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account
|
| 10/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I initially called Chrysler Capital over a month ago about my loan being paid off. On every car statement I have received from Chrysler Capital shows a 'maturity date ' of XX/XX/2019. Chrysler Capital sent me a letter stating that my account was paid in full on XX/XX/2019, but they had placed a 'late payment ' notification on the primary borrower 's credit report. I called to dispute, as all the information I had on this showed this was an error. I called and spoke to XXXX first where she said that she would escalate the situation because she could not find a reason for that 'late payment ' to show up on the primary borrower 's credit report, she also advised that I had a refund that I was supposed to get as well, for {$220.00} as there was an overage and that I had not received my title either. Her supervisor reviewed my account while I was on the phone with her and the supervisor stated that it was a reporting error. I was also advised to call 'XXXX XXXX ' for my refund, but 'XXXX XXXX ' couldn't find me when I called, so I called back into Chrysler Capital to see what was going on with my account and then this issue was escalated after I spoke to a supervisor. She assured me that someone would call me on Monday XX/XX/19. Someone did call me, but she was extremely argumentative and promised she would look into the issue, review the recorded calls, and then she would follow up with me. Shockingly, she never followed up. I then called back in a day or so later and spoke with XXXX. XXXX assured me that this would be fixable and from what he saw on my account it was a reporting issue. He never followed up with me ... we are at about a week and a half of me working on these issues. No one has ever followed up with me, regardless of the multiple promises, I have been the one to call every other day for an update. As someone who has worked in the 'XXXX XXXX ' department for another company, Chrysler Capital 's 'escalation ' process reeks of unprofessionalism. Yesterday, XX/XX/2019, I finally received a response from XXXX via the phone and now my, as I am the co-borrower on the loan, credit report has been updated by them to show the 'late payment ' now that I brought their error to their attention. They did this two months after Chrysler Capital told me my account was paid off and closed now. The resolution I am looking for, is for Chrysler Capital to remove the negative marks for the 'late payment ' on the primary borrower and co-borrower 's credit reports, due in large part to the conflicting information and previous promises by their management and 'executive complaint ' department, as well as get my refund. The only part of this escalation that has been resolved is that I have received my title.
|
| 08/30/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.
|
| 07/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am contacting you at the XXXX time in order to clarify and get your assistance or support with the issue or bad debt situation with car loan. here what had happened : As any customer I had a dream to buy and own a car, so my selection was XXXX, I contacted XXXX of XXXX, MD. It was very hard to find the car that I wanted, I could n't find it at my XXXX location, I wanted red and was offered Green with White Roof, it was proposal from XXXX of XXXX to participate in their show of XXXX process to immigrants in the XXXX. I rejected the offer. The guy who served me was very impatient XXXX XXXX, who raised his voice on employees and later on I found out his employment was terminated, I get with another manager at this location later. The offered interest was too high 12 % to prevent me to buy red car and sell me green car. I continued my search and found a car in the XXXX location. It meets almost all my requirements, no leather seats.
The offered interest on loan with XXXX 18 %, I agreed because I have a sponsor who prefer to ananomous, told me take it otherwise you 'll be unable to find it with leather. I greed to the terms and conditions. Later I got letter, Thank you for financing and so on. I lost that letter when I moved out. In some time letter I got Title. Please see attachment. There no lien holder ... I trust my friend 100 %.
Later on started my XXXX that I do n't pay the bill and collection letter in my door and damages to my car. I assume if dealer want to return the car back why they will damage it?! Proof of Evidence : ( Right Rare Tire Hole ), Engine, Left Side Bumper Scratch, I got thru all holes on the road with car noise like breaking it down, Gas tank, I could n't fill in gas my electronics were jumping UP and Down with gas level, My REAR Sensor were alarming when there were no object behind with reverse. My snow sign was blinking and alarming when there is no snow ... I am safe driver I scratched Rear Right White Rim DUring parking, My electronics was going crazy, I complaint about it to the XXXX, they offere me Diagnostics which I could n't get because my car was stolen from Private Property Parking with Request to show the check ( payment ) which I do n't have, because my friend paid for the CAR in order to provide me with assistance of supporting to find the job and live independently. I mailed Title to Texas, where it was sent from. For now I do n't have news. I just want my car back and truth if it is possible what happened with money, how money could be stolen from bank, it takes time to verify and clear checks or payments, I did n't get thank you note the next day in a month and title as well, it means money were there .... then disappeared. The car was repossessed.
|
| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
on XX/XX/22 I went into XXXX XXXX of XXXX ( XXXX XXXX XXXX, XXXX, NC ) for a consumer credit transaction. a month or so later i began receiving postcards and statements from Santander Consumer USA about an alleged debt owed. I DID NOT AND HAVE NOT ENTERED INTO ANY CONTRACTUAL AGREEMENT WITH SANTANDER LEGALLY GIVING THEM THE RIGHT TO COLLECT ON THIS ALLEGED DEBT. Within 30 days I sent Santander Consumer USA correspondence challenging the validity of alleged debt and put them on notice that this alleged debt was DISPUTED.
Pursuant 15 USC 1692g ( b ) under the disputed debt portion of the FDCPA it clearly states that " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Debt collector did not cease collection NOR did they cease reporting this alleged unvalidated debt on my consumer report which is a violation pursuant 15 USC 1692d ( 1 ). Santander continued to harras me by calling me daily at my place of work which not only gave me anxiety but also interfered directly with my work. Santander sent a copy of a contract I signed with the XXXX dealership which doesn't suffice as proof of a binding contract with Santander. My privacy has also been invaded as a consumer since Santander had absolutely nothing to do with the transaction or contract and have been harassing me daily.
Santander continued sending their misleading and deceptive forms claiming they are attempting to collect a debt which is violation since they have not provided proper debt validation per 15 USC 1692g ( b ) or 12 CFR 1006.34.
They've recently sent me a " notice of right to cure default '' where they describe the " collateral '' and claim they will exercise their rights which i presume to be a sly way of saying they are going to take my vehicle. This is not only a violation pursuant 15 USC 1692d ( 1 ) + ( 2 ) but also 15 USC 1692f ( 6 ) ( A ) How are they trying to say im in default when in all actuality it is them who are in violation of federal laws by not ceasing collection of debt until they provide me with the proper documentation.
In closing, id also like to mention that all of the " statements '' I have received are in the positive IE ( amount due now {$1800.00} ) which confuses me as the consumer. AM I OWED MONEY? Why are these statements dollar amounts all in the positive, like when I receive a check? Thats another violation pursuant 15 USC 1692e ( 2 ) ( A ) under false and misleading representations.
|
| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting.
They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit.
Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down.
Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance.
Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with.
Option 3, forgive the whole balance and correct the late payments.
Any of these options is considered acceptable for myself.
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores.
I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).
|
| 01/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XX/XX/XXXX : I began receiving calls from Santander ( they didn't tell me the name of the company then ). The caller told me that I had a debt and that I would be served to appear in court if I didn't make payment arrangements immediately. I told the caller I needed to research the source of the debt. He called back within a week ( same person ) and I told him that I don't owe anything and that they should stop calling me. He kept insisting that I was going to be sued and that the next day a process server would show up at my door.
XX/XX/XXXX : My brother received a call about my debt, which he forwarded to me. I called them and told the person who answered ( different male ) that I didn't owe on the debt and that they needed to stop calling me. He told me that they'd keep calling until I paid.
XXXX - XX/XX/XXXX : Received 4 more calls to my cell phone and one to my work number, still insisting that I was going to be served if I didn't pay or agree to settle the debt. I called again and asked them to leave me alone. The woman who answered was rude and kept telling me that I can't avoid this debt.
XX/XX/XXXX Received this e-mail from Human Resources : Hi XXXX, Our HR Offices have received a message that was requested to be passed on to you.
XXXX & XXXX XXXX are trying to reach you regarding service of some sort of documentation. They request that you contact them at XXXX and reference case # XXXX.
This is the only information that they provided us with.
XX/XX/XXXX I called the number and the man on the phone was horrifically XXXX XXXX XXXX to me. I asked him politely for the name of the company and he refused to tell me at first. I asked for the address to send a letter to stop contacting me and he told me that he wasn't going to give it to me because I wasn't going to be able to avoid paying this. He asked me if asking for the address was the next step on the avoiding my debt checklist. He called me a " XXXX who owes money '', a " XXXX '', told me to get a higher paying job, made a point of using the name of my employer, my XXXX XXXX XXXX name and my home address while insulting me.
He refused to give me the address for Santander and it was only after I asked several times that he finally told me the name of the company. I reminded him that there are laws about debt collection and he just can't keep contacting me after I've asked him to stop. He kept telling me that they'll continue to contact me until I pay this debt.
I'm confident that I don't owe them anything. The time limit has long since run out. Regardless, no one has the right to XXXX me over a debt. I don't want to hear from them again. I'm willing to sue if necessary.
Please help me.
XXXX XXXX
|
| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I will keep this situation as direct as can be ...
XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker in the vehicle.
XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX.
XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle.
XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker in the vehicle, same device used when a consumer leases a vehicle from a dealership.
XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL.
XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX.
XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented.
XX/XX/XXXX XXXX XXXX XXXX was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ).
XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.
|
| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Chrysler Capital is in violation of my credit reporting. I have two leases with Chrysler Capital, one for a XXXX XXXX Account # XXXX and the second is for a XXXX XXXX Pick Up Account # XXXX.
I have been in contact with Chrysler Capital many times over the past few months relating to my accounts. I have paid my accounts though XXXX XXXX and online. In particular my XXXX and XXXX payments including other payments not registering leaving my accounts to appear incorrect. In a recorded conversation in XXXX I was informed that my payments had been returned to the bank therefor I was two months behind. I called my bank and it was shown in a bank statement that both XXXX and XXXX payments went through. In a recorded conversation I phoned Chrysler Capital back and informed them of such and after further research I was told that both payments had been transferred from the XXXX to the XXXX without my consent. To rectify in the most simplest manner I explained to Chrysler Capital to only move the XXXX payment back to the XXXX. I was told to check back in five business days to confirm all was done. In the meantime within the five days I received a notice to repossess my vehicle for non payment. In a recorded conversation on XX/XX/2019 I was told that there never was a transfer and to disregard the notice to repossess a they were going to audit both accounts to see what the final payment is on the XXXX and where I am at with the XXXX because there was imminence confusion verbally and in the account.
On XX/XX/2019 the very next day I received a notification that my credit score had gone down 67 points!!! When I inquired with XXXX XXXX it was the reporting of the XXXX account by Chrysler Capital. It would have been paid in full had the correct amount been posted however I could not get a verified answer in any of my phone calls.
After logging in today I see that the accounts STILL HAVE NOT been corrected and I have no choice but to file with CFPB including my local State Senator to take action. The result of Chrysler Capitals incompatibility has place m at jeopardy fr loosing my job, not able to take out a college loan for my son reflecting the tremendous amount of points that my score has gone down ( 67 ).
We are a family of XXXX with XXXX young boys and need our jobs for health benefits as well as surviving basic needs. The vehicle has since been returned to the dealer and Chrysler 's rush to damage my credit report before offering me the ability in a timely manner to bring this account current was a poor business decision and in violation of my rights. I have been contacting Chrysler to make every attempt to clear matters up and still have not received an appropriate outcome.
|
| 03/07/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount.
I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up.
I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code.
I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.
|
| 08/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Santander USA charged my bank account ACH using my routing and bank number with out authorization, causing overdraft fees on my bank account. These XXXX fees were charged XX/XX/XXXX XXXX XXXX. I made a payment to Santander USA by using my debit card for the amount of XXXX +a fee to process the payment through speedpay on XX/XX/XXXX. I did not authorize the prior payments that were attempted 2 on my account. I do not have auto pay set up at all. I have my stamens come by mail every month which was recently changed to electronic paperless without my permission. By Santander USA attempting to charge my account t for my car note they commuted fraud. I did not authorize the ACH by bank routing number and account number. I did however only authorize my debit card payment.
As a result of the fraud commuted Santander USA charged me a XXXX fee for the 2 ACH payments being returned which rolled over into the following months payment in XXXX. I have had XXXX dealings with Santander in the past with payments not being applied appropriately to my account that resulted in a audit. Santander has also reported payments late 30 days late, 60 days late when payments were never 60 days or 30 days late. I have disputed this information with the credit bureaus and most of my credit reports have been fixed.
If my payment is 2 weeks late this does not justify 30 days late to report inaccurate information reflecting negatively on my credit report. Another issue Santander was sent a certified letter in XXXX of XXXX asking to stop the harassment of calls. Santander USA confirmed they received the letter along with my certified letter stub. In this letter I asked that I or my co-signer receive no more calls and that all communication be sent in written form. When concerning with Santander that my letter was received the representative XXXX in XXXX of XXXX also deleted our numbers from the system. I also on my phone put a block on the number ( s ) that Santander USA automated system would call from. After recently looking through my XXXX call protect app the calls are blocked by the company continues to call the phone numbers associated with the account that were deleted and in writing a deceits and desist letter as mentioned above. This is a clear violation of the FCRA, and constitutes as harassment.
I sent a message in my Santander USA app on XX/XX/XXXX putting Santander on notice yet again and asking that my credit report and my loan fees be waived. I also requested for a audit of all my payments, how it was paid and the date processed to ensure accuracy, as in accurate information has occurred on this loan several times.
I have all documentation to support my claim as stated above.
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I continue to have issues with resolving a paid and settled account with Santander Consumer USA. I co-signed for my daughter in XXXX, XXXX. The car was financed at an astromical amount and she could not afford the monthly payments and voluntarily surrendered the car back to the XXXX dealership, resulting in a " Voluntary Reposession ''. As a result, the negative reporting was placed on my and my daughter 's credit reports. The account was bought by a Third Party Collection agency named : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I contacted the collection agency and asked for a settlement. They agreed and I went to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX, as shown on check made payable to the collection agency ), and I borrowed {$2000.00} to send in the settlement payment. The bank issued a certified check made payable to XXXX XXXX XXXX XXXX ( who collected debt on behalf of creditor, Santander ). I received a copy of the cashier 's check for my records. I then sent a copy of the settlement agreement and check to XXXX to dispute the negative reporting and have the debt removed/updated on my credit report. This was in XX/XX/XXXX. I received a report from XXXX dated XX/XX/XXXX, which showed the debt " Paid. Closed. {$9400.00} written off. '' I saved a copy for my records and will provide as supporting documentation. The debt was updated on my credit report in XXXX.
The reporting for Santander has now returned again on my credit report and shows that I owe a balance and shows it as late payments. However, nearly 4 years ago, it was already updated and removed from my credit. I called XXXX XXXX, XXXX and they indicated the debt was paid and that they were not reporting this debt, but Santander was. I called Santander 's office and they indicated they are not reporting this debt on my credit report as it was " settled ''. I then tried to dispute it online from my credit reporting site, and I was unable to dispute.
This is why I am now reaching out to CFPB because I have made several attempts and this is ruining my credit status and has been reported negatively on my credit as well as my daughter 's credit, and this has been paid and settled in XXXX.
I need your help in getting the proper reporting and removing a debt that was opened in XXXX, XXXX, which is greater than 7 years ago and was settled/paid in XXXX and clearly shows such on the XXXX documents received. This should not be on my credit report as it is old, but more importantly it has been paid and settled.
Today when I viewed my credit reports, it shows tht Santander reported the car as Voluntarily Reposessed and a balance owed as of XXXX, XXXX. This is totally incorrect and inaccurate.
|
| 05/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We started a car loan with Santander back in XXXX for a truck in the amount of {$16000.00} for 72 months. It is now XXXX and our current balance is {$8900.00} and even after talking to several customer service reps from other countries and managers I still do not understand why. I do admit that we have been late on some of our payments, asked for XXXX extensions, and had six months of agreed partial payments but this remaining balance does not add up. XXXX of the representatives noted that we had made XXXX payments of XXXX and that part of the payments we going to interest and part was going to principle depending on the number of days between payments ( interest is {$5.00} a day ) and in old math if we made a payment every 30 days and you multiplied by {$5.00} of interest by XXXX the amount is {$160.00} which would be the interest deducted from my payment of {$410.00}. I looked at my account and saw absurd amounts of late fees and interest charges that were deducted from my monthly payments. I also noticed that for the entire XXXX of payments ( XX/XX/XXXX ) none of my payments were being added to principle but all were going towards interest. I was also told that my interest was 21.99 % on my contract which I know was 11 % when we signed the contract. The representative stated that we have made XXXX payments of {$410.00} and that our contract would have matured this years XXXX but, due to extensions ( only XXXX ) and six months of partial payments of {$250.00} that our balance is currently {$8900.00}, something is not right. If we have made XXXX payments of {$410.00} which equals {$27000.00} and if you deduct interest of {$160.00} multiplied by XXXX payments that comes out to XXXX. The payment amount of $ XXXXXXXXsubtracted by the interest of XXXX leaves a payment of XXXX. The contract was started with a balance of XXXX so, how do we owe a balance of {$8.00}. We should have a credit of XXXX and if you add in the 6 months of extensions and XXXX partial payments that comes to {$3400.00} and then deduct the {$250.00} which leaves a balance of {$3100.00} which makes sense. This company has been falsifying records by changing documents, charging outlandish interest charges and late fees and justifying their erroneous practices with predatory contracts on hard working families. Companies such as these need to be investigated thoroughly and blocked from targeting people with credit issues or are trying to establish credit. We have been paying on this truck for nearly 7 years and according to Santander still owe more than half the original balance. There is no bank or auto loan company that I have ever had or know that has used such unethical practices as Santander.
|
| 01/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX XXXX, NC XXXX for XXXX the total loan with Santander US {$26000.00} ( Contract # XXXX ). I traded XXXX XXXX XXXX I know that I had a little negative equity in the car. I financed with Santander USA and my first payment was to start XX/XX/XXXX of {$600.00} for 72 months. I have been making my payments no ( 30 ) days late for over ( 2 ) years and I still owe a huge balance and it seems to be getting larger. I have pay {$14000.00} in payments and they have applied {$9800.00} in interest and still my balance is {$21.00}, XXXX It appears that Santander USA has been over charging me by adding a higher interest rate and applying some payments all to interest and other over 50 % of my payment to interest theres not any consistency. The first year my loan appeared to be going down then the second year it went back up and has stated up. I have had my car appraised and from what I owe Santander Im {$10000.00} upside down in my car were I will never be able to get out of it. Also, they just updated my balance on my XXXX credit report {$22000.00} and the statement as of XX/XX/XXXX which is attached states {$21.00}, XXXX and terms showing 75 Months.
This company has over 1,900 complaints with the XXXX and it responds to those complaints. Santander USA has misled me about the cost of the loan due to them putting my 1st payment on XX/XX/XXXX all {$600.00} towards interest and the 2nd one all but {$44.00} whole payment at times into interest. In the second year Santander started putting whole payments in interest and other payment over 50 % of the payment in interest again and thats when I notice that this is unfair high interest loan lending practices. They have me showing {$36.00} in late fees throughout the time I have had this loan.
The way they are applying interest and principal payments is a way to throw you off so it will seem that its coming down but its not. Lender has hide and misrepresenting the true cost of the loan terms it appear they are having my terms at 75 month instead of 72 months also. This appears to be a scam instead of a true financing company.
I have attached copies of the payment activity on my account # XXXX and other supporting document that might be helpful to resolve this issue.
You can see how they have just applied what ever they wanted to apply my payment.
I would like a resolution by Santander to correct the payments that are misapplied and for the correct interest that should have been going to interest. Also, correct the terms and the corrected balance on my credit reports.
Thank you.
|
| 12/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.
|
| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
This letter was sent to all theree Credit Agencies XXXX XXXX, XXXX XXXX XXXX ) also the XXXX XXXX for XXXX XXXX XXXX : Heres the class action lawsuit against Santander : https : //santandermultistateagsettlement.com/Information-for-Consumers I recently pulled my credit report from XXXX and I noticed a big discrepancy on my credit report. The report from Santander Consumer USA is in correct. As you can see below the report says that the account is closed and has been closed since XX/XX/XXXX. The monthly payment shows 0 dollars. How is it reported that a payment was made on this account on XXXX XXXX. This is a clear violation of the FRCA and this account should be deleted from my credit report immediately.
I have attached a copy of my original copy of my vehicle purchase contract from XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, CA. It states nothing of the financing of this contractual agreement being finance by XXXX Santander Consumer USA ).
On my credit report its states that the the creditor is ( Santander Consumer USA ) and that is incorrect information on my credit report. I would like the ( Santander Consumer USA ) information removed from my credit report. I have also sent a copy of the official letter I sent with the complaint I files with the XXXX XXXX XXXX against XXXX Santander Consumer USA ) because of there predatory lending practices, that they have a 34 state class action law suit for predatory lending. I am requesting that the ( Santander Consumer USA ) account information be removed from my credit report. Heres the class action lawsuit website : https : //santandermultistateagsettlement.com/Information-for-Consumers? XXXX Also I would like a new credit report sent to me showing that this incorrect reported account was deleted.
SANTANDER CONSUMER USA Reported : XXXX. XXXX, XXXX - {$10000.00} Closed Overview You have 63 % left to pay on this loan.
Balance {$10000.00} Highest Balance XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 7 yrs, 4 mos ) Term 81 months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX XXXX, and we'll let you know when it's complete.
CHECK DISPUTE STATUS Creditor Information SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you for addressing my concern of this important matter.
Sincerely, XXXX XXXX
|
| 03/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX of XXXX I purchased a XXXX XXXX from XXXX in XXXX ca for {$39000.00}. The car was financed by chrysler capital account # XXXX my payments were $ XXXX for 76 months. In XXXX i was injured on the job and was off for several months. i was unable to make my payments for 3 to 4 months. i was given noticed that my car was up for reposession. I called chrysler capital and was told i needed to make a payment of {$2500.00} on XXXX/XXXX/XXXX for them to stop the repo which i did. They further ask me to continue to make my payments plus extra to cover the late fee 's which i did till i was caught up which I have. In XXXX of XXXX i applied for a consumer loan and was rejected because of the entry chrysler capital made on my credit report. Thinking it was the fact i missed payments with them I understood till i signed up with XXXX and it showed that as of XXXX of XXXX no payment were reflected on my report even till current date and that the account was charged off and that the amount they were charging off was {$34000.00}. Believing it was a mistake i disputed this with XXXX, XXXX, XXXX, and XXXX and got my payment history from chrysler capital showing my payments, but their reports never changed. I called chryrsler capitals credit dispute section last week XXXX/XXXX/XXXX and was told that they did receive all my payments, but its their policy that if a payment goes 120 day without a payment that charge it 's off and would normally repo the car, but I had made a arrangement with them so they allowed me to keep the car as long as i continue to make my payments. I kept repeating about the charge off and that normally if a car is charged off they take back the car which would be sold at auction and they would write off the difference for a tax loss. the person in the dispute section said in my case my account is actual still active, but its their policy to charge it off anyway which would reflect on my credit report. i ask so from the time of the arrangement till now all those payments except in your payment history will not show on my credit report her reply was " yes its not a law per se just chrysler capitals policy '' I told her that was not fair and the only thing she could say was " I 'm sorry ''. I also ask how long does this charge off stay on my report even as I 'm still paying she stated 7 to 10 years so no matter how many times i dispute it its still a valid claim which they report to the credit bureaus every month. I ask what if I pay the car off her reply was still it will remain. I 'm at a loss as to what to do my XXXX score is improving, but with that charge off on it without a explanation as to why it says charge off I 'm screwed.
|
| 04/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Dear Sir or Madam, I am writing you today as a formal notice that my account with Santander Consumer USA is being challenged as to recent legal proceedings where Santander Consumer USA was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. For the past five years I have been a victim of Santanders abusive lending practices. I have tried countless of times to discuss this matter with Santander requesting that my account be reviewed as the deceptive and predatory practices have let me to a debt which I can not pay back, and which I believe the company knew prior to their approval of my loan. The interest rate on my account is fixed at 19.6 % with a balance due of approximately {$15000.00}.
Recently, Santander was involved in a class-action lawsuit where Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default.
It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come.
Santander informed me that I do not qualify for this settlement, however, based on the initial reasoning why Santander was sued it was because of consumers like me who were robbed and taken advantage of.
My car should nearly be paid off because I paid over {$21000.00} in the past five years of having the vehicle. Santander continues to call me aggressively every single day harassing me for form of payment. Santander agreed to waive off this month of XXXX for me due to XXXX related circumstances, however, they never followed through with their end of the agreement and now they are not only harassing me for payment for that month but every day they are adding ridiculous amount of fees.
I truly do believe I qualify for loan forgiveness and restitution considering the circumstances surrounding the situation.
I have tried to communicating with Santander requesting that either my account be adjusted to reflect the removal of these illegal fees and charges, the interest be re-established at a rate befitting my financial standing or that a monetary award be provided to me.
I am requesting for my account to reviewed and this situation to be resolved because it has been an extreme nightmare dealing with Santander.
Thank you, XXXX XXXX
|
| 10/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.
|
| 10/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I was in an accident on XX/XX/2019. I decided to file 1st party and use my own insurance to handle the claim. My vehicle was deemed a total loss on XX/XX/2019. XXXX called my finance company on XX/XX/19and requested the payoff as well as a copy of the title and a letter of guarantee. They received a payoff good through XX/XX/2019, and were advised the documents would take 3-5 days. On XX/XX/2019, Santander called XXXX to verify what documents were needed so they could send them. OnXX/XX/2019 XXXX followed up with Santander, as well as again on XX/XX/19, as they had yet to receive the documents. Without these documents, XXXX could not release the total loss payment.
On XX/XX/19 I called Santander and was advised they had not heard from XXXX yet, at all. I called XXXX and we did a conference call with Santander. At this point we were transferred and then told the request for the title and the letter of guarantee was getting submitted right then, but it had not been before. They said wait 3-5 days. I called XXXX back on XX/XX/2019 and we did another conference call. We were told that the documents were getting sent that day. XXXX was finally able to issue the payment on XX/XX/2019.
I checked this morning to see if Santander had processed my check yet. I contacted them via chat support and was advised that the check had not yet been received. I also noticed I was charged {$85.00} for an evaluation to be done on the XXXX XXXX XXXX while it was in the tow yard, but that was never discussed nor disclosed with me. I asked for it to me removed and was told that it wasn't an option.
I called XXXX to get a copy of the total loss check and was advised that it is showing cashed in their system.
This ENTIRE time I have been getting charged {$7.00} PER DAY in interest charges, I got charged {$16.00} for a late fee because there was a payment due XX/XX/19 that I didn't pay assuming they would not have delayed everything this long.
I want the interest from the original payoff date of XX/XX/2019 to the date they received the check to be waived. That's 26 days at $ XXXXday for a total of {$200.00}. I also want my late fee of {$16.00} waived because if they had submitted the request initially they would have received and processed the check prior to XX/XX/19 when the late fee added. I also want the {$85.00} evaluation fee I was charged waived. There was absolutely ZERO communication that anyone from Santander would be looking at the car, let alone inspecting it. I am expecting {$300.00} back ON TOP of the remaining funds after payoff. I should not need to contact a company over 10 times to get them to do their job as outlined in our agreement.
|
| 08/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller.
When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues.
Contacted Santander to request that the check being issued to the dealer was stopped.
The check was sent anyway - after the request to stop the process. The title was send directly to me.
I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required.
During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process.
I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system.
I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history.
I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due.
I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message.
In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service.
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset
|
| 04/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
This is a problem I had with XXXX XXXX in XXXX NJ in XXXX of 2013. The owner called me and said he had a pre approval for the car I always wanted. Me being a car person was interested but could not afford another vehicle at the time and let the salesman/owner know that, so they persisted saying what if I could pay next to nothing monthly for the vehicle would I take it? I replied of course I would and then he said ok come down and Ill make it happen. I proceeded to go there and they verbally informed me that I didnt have to pay for 6 months and then XXXX for 6 years. That was perfect he didnt write any paperwork and then gave me the car with no signature or anything. I didnt even know what bank I had to pay until I was called 3 months later by Santander telling me I owned them XXXX dollars and I was 30 days behind on my payments. Now I voluntarily returned the vehicle and suffered for 7 years with horrible credit because of this company and they refused to remove this from my credit report with no proof of any documentation, no proof of my signature, no proof of anything that coincides with the fair credit reporting act and then to top it all off they changed it from paid to unpaid now. Which it was paid and reported as paid for years and now put it as unpaid while not abiding by the law of the United States and trying to belittle my rights to question them. The contract they have is null and void because the agreement I had is with the dealer who will also not have proof because nothing was signed and under the fair credit act this entire report should be removed from all reporting agencies XXXX, XXXX, and XXXX. If it is not I will move to whatever lever necessary and make sure the media is notified about my case and all the measures taken to help me fix this from this point on. Thank you in advance for reading my unfortunate chain of events and I would greatly appreciate exposing the lies of all these banks because they can get away with doing it. I know this is much bigger then just myself, and I will write a letter to whom ever necessary to show them I paid them and now they are saying I didnt so they can claim it as a loss and collect insurance. Unfortunately it was paid years ago, and it showed on my credit report when I paid it. As of this week it changed to unpaid and charged off. Let me know the following steps I am going to need to take. Thank you my proof for all this is they dont have my identification and have my name wrong and address. If I provided them with paperwork they would have written it as it was seen on my ID but obviously they Fraudulently pushed the paperwork through and I want this removed immediately.
|
| 01/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Within the past couple of months, I have been getting phone calls from XXXX XXXX who apparently works for a XXXX XXXX XXXX XXXX. He leaves a recorded message : " This is XXXX XXXX with XXXX XXXX XXXX XXXX. I have a summons in hand for you. I am scheduled to go out to your home and place of employment within the next 24 to 48 hours. Please make yourself available with two valid forms of ID. If you are served your summons at work, your supervisor or head of security will need to be available to sign off as a witness. Please be advised failure to sign for the summons may result in a missed court appearance. If you have any questions or concerns, you can contact the party that is filing against you at XXXX or you can press 1 after the tone to be connected directly. '' This loan that they are referencing is over ten years old. The vehicle was repossessed while I was incarcerated.
They have no valid right to collect on this loan as it is dead. It has been charged off. This company is not the original creditor. I'm sorry they bought the loan for pennies on the dollar. I am not liable for it any longer.
They have repeatedly called my house to harass me into paying this debt.
They have contacted my friend via her wireless phone to say the exact same quoted words above. She pressed 1 and was connected. The person she spoke to told her that they were trying to collect on a debt I owed and that I would be sued and need to go to court to rectify the situation.
I tried to call this company back. When a woman answered, I asked what company I was calling. She refused to tell me and told me to not call there again,. She then hung up the phone on me. I tried to call back several times and each time someone picked the phone up and immediately hung up on me again.
I'm trying to call right now to get additional information on why they have been calling me. A XXXX answered and said the company was XXXX XXXX. When she confirmed my name, she placed me on hold. When she came back on the line, she told me that paperwork was already sent out. The last time they contacted me was XX/XX/2018 and this is when they said 24-48 hours a summons would be delivered. Nothing was delivered thus far. XXXX told me not to contact their office any longer because I asked them not to contact me or my friends. They contacted my friend XXXX XXXX AFTER I requested no more contact from them. I was just following up with that XX/XX/XXXX phone call. XXXX told me I was childish. I told her that her schtick was a scam. She told me she was going to file harassment charges. I told her to do what she needed to do as I would do the same since they have not ceased contacting me.
|
| 04/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander is reporting inaccurate late payments on my credit which are severely damaging my credit scores. The original creditor for this debt was actually XXXX XXXX . It was opened on XXXX / XXXX / XXXX with a loan amount of {$29000.00} this debt was then acquired by Santander who has been servicing the account since then. After the acquisition, the Affordable Care Act was implemented causing our XXXX XXXX XXXX income to be decimated. This unfortunately led to the situation where our vehicle was repossessed by Santander on XXXX / XXXX / XXXX . After the repo, we wrote the attached Repo Letter at which point Santander disappeared and continued to report my loan account under Paid as agreed on my credit. We noticed that they were reporting an incorrect car payment of {$460.00} and an account number on my report that did not match my records so I also disputed this with the credit bureaus during that time.
This is when Santander suddenly changed their status from paid as agreed to severely delinquent with no explanation as to why. When that reporting change occurred, my credit scores dropped over XXXX points which completely devastated my credit. I called Santander many times to dispute how they were reporting ( based on the fact they received {$10000.00} at auction ( + ) charged off {$12000.00} ( + ) pre-repo car payments we made of {$17000.00}, all totaling {$40000.00} ) however, despite already writing off and collecting this {$40000.00}, Santander claimed we owed another {$16000.00} which if that was accurate, they would be saying we contractually owed them {$57000.00} ( and as you can see by the attached doc labeled Original Sales Receipt, the total contract, with interest, was for {$44000.00} ) and interestingly if you were to add that {$40000.00} ( from what they wrote off and collected ), to the {$4000.00} weve paid them during our settlement agreement, that total equals {$44000.00} ( which exceeds the contract amount of {$44000.00} ). Despite all this, in XXXX , I decided to contact Santander to settle the unresolved debt. After contacting Santanders Collections department and speaking with a Manager named XXXX at ext. XXXX , he agreed to settle the supposed {$16000.00} balance owed for {$6000.00} - the payments are $ XXXX which Ive paid every month since XXXX / XXXX / XXXX . Their records will show that I have paid the agreed upon payments of {$150.00} every month since then without ever missing a payment. As a matter of fact, I have taken it upon myself to make payments before the scheduled due dates to show my resolve in getting this cleared off from my credit.
|
| 04/30/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I disputed the debt ( auto loan ) and sent a debt validation letter XXXX different times to Chrysler Capital, they did not respond to either request with any proof, instead they closed the account and / or wrote the debt off XX/XX/XXXX. XX/XX/XXXX I woke up to find my automobile missing from my families drive way. I called the police to report it missing and they informed me that it had been repossessed. I told the officer i spoke with that it should n't have been repo 'd and wanted to report it as stolen. He then said that he would contact the company and find out what was going on and call me back. He called me back with a number for a company called XXXX XXXX XXXX out of XXXX. I called this place and they said I had to pay them money before they would release my automobile to me, I then stated that they were n't the original creditor, and that the original creditor closed the account and the debt was written off in XX/XX/XXXX, and they stole my automobile. I then asked them to provide me with a contract or documents stating that I owed them money, the guy said they did n't have to provide me with any contract or documentation and that I would have to call the original creditor. So I called Chrysler Capital and was XXXX told they could n't find the account, I then requested a manager who stated that I still owed the debt even if it was written off and the account was closed that 's why my automobile was taken. I then informed them that I would be contacting other people about this because nobody had any right to take my automobile. At this point I had no knowledge who took it or where it was taken. XX/XX/XXXX am. I called the non-emergency sheriff 's number and asked how I go about making an official theft complaint, the dispatcher took my number and said she would have an officer call me. I got the call and it came from the same officer I had spoken to the day before. He said that he could not make a theft report because it was n't stolen that the bank wanted their car back so it was repossessed. I told him it was taken by a XXXX party debt collector illegally, and asked him if he knew who took it and where they took it. He stated that he did n't know. I requested the Police Report and picked it up later in the day, and found out that a company named XXXX XXXX out of XXXX actually took my automobile at the direction of XXXX XXXX XXXX who stated that Chrysler Financial gave the repo order. even though the debt was written off and the account was closed. XXXX XXXX XXXX refused to release my automobile until I pay them money. I do not have any contract with XXXX XXXX XXXX or XXXX XXXX and I do not owe either of them any money.
|
| 08/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me.
Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account.
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
|
| 07/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a loan with XXXX XXXX where the loan terms were predatory.
I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car.
I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and Santander was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from Santander saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe Santander sold the vehicle for about {$8000.00}. Therefore Santander collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named XXXX XXXX XXXX on top of the {$35000.00}.
Then I get a call from XXXX XXXX XXXX. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX.
Now in XX/XX/XXXX I need to buy a home for my family of XXXX and XXXX shows a collection on my credit report. I call XXXX and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt.
I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report.
It is obvious that I paid Santander and XXXX enough money as to not be punished with this collection on my credit report. XXXX used deception to collect this money which continues the same trend from the Santander loan of negatively affecting my financial status since I will be paying a higher mortgage because XXXX did not do what they told me they would.
|
| 07/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, Chrysler Capital, also doing business as Santander Consumer USA, a subprime lender for auto loans, financed {$26000.00} for a vehicle I purchased. The contract is for 72 months with a 22 % APR and {$670.00} a month loan payment. An APR of 22 % incurs a daily rate of about {$15.00} which means I 'm paying {$470.00} in interest and {$200.00} to the principal balance every month. The more the loan balance is paid down, the amount of interest incurred and/or owed lessens. My goal is to make extra payments or XXXX pay the required loan payment, which would quickly lessen the balance owed to the lender and the amount of interest incurred for the entire life of the loan. Also, refinancing the loan was the next step after about six months of payments. Chrysler Capital does not provide their loan customers with any receipt or confirmation of payment nor is there any notification by email of payment posting to the loan account. Chrysler Capital only provides their loan customers with monthly account and billing statements .And because of this odd, shady practice of Chrysler Capital , I frequent my online user account to see up to date activity, which is not included in monthly statements, to make sure that errors, like the matter at hand, do n't occur. A little while after becoming a loan customer of Chrysler Capital, I went online to get some background on them and discovered many unfavorable reviews and stories of suspected illegal and shady practices by current and past customers, which put me on the alert with my account with them. And the matter at hand regarding Chrysler Capital is a loan payment error on their part and not my own. Earlier this month of XXXX 2015, I made XXXX separate payments to Chrysler Capital for my loan in the amounts of {$280.00} and {$300.00} on their website powered by XXXX XXXX XXXX with a {$2.00} service fee per payment required. On XXXX XXXX,2015, when logging into the online user account, I could see that the XXXX payments had posted and were applied appropriately to the principal balance since all of the compounded daily interest incurred had been paid with previous payments. On Saturday afternoon, XXXX XXXX, 2015, for some odd reason, I logged in to the online user account and saw that both of the payments had been removed as a credit to the principal balance reducing or lessening the total amount owed by {$580.00} and applied as a negative, adding on to the total amount owed {$580.00}, increasing the balance. I contacted Chrysler Capital XXXX different times to correct the error and spoke with an agent and was put on hold for over XXXX minutes and the call would disconnect.
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, this complaint is for both me and my husband. I want to file it against Chrysler Capital. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon.
Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with Chrysler and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case.
Chrysler has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with Chrysler to have this fixed, sent out dispute letters to the credit bureaus, notices to Chrysler Capital, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to Chrysler on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call.
Chrysler is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. Chrysler is lying about me paying late all these months. I will give you the letter from my attorney so you can see that Chrysler is lying.
|
| 10/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX I purchased a XXXX XXXX from XXXX XXXX financing was being done by XXXXSantander..I executed all documents and assumed it was complete.The process was choppy and confused as signing was rescheduled and when I finally picked up the vehicle things seem to be resolved and I signed a XXXX XXXX XXXX contract on XXXX that was dated XXXX left with the vehicle on XXXX and got a ticket for no inspection sticker even though it was supposed to be included and was listed on the itemization.Then the real problems began and I received a call from someone at XXXX saying that I needed to fill out another application on line because the loan was not being " funded '' by XXXXI did that and received subsequent calls from XXXX trying to sell me another car??? On I received several subsequent calls from XXXX saying it was all set and then it was n't and I needed to do another XXXX application??? The entire situation was ridiculous.They had my downpayment, I had signed all the loan and ownership documents but apparently there was some probllem between XXXX and XXXX XXXX I spoke to XXXX in XXXX to I believe a XXXX XXXX, who said she thought it was all set and that I should check with XXXX so my father and I called XXXX and spoke to a XXXX and XXXX in Internal lending and they confirmed that there was some " irregularities '' with the loan because the vehicle was exchanged on XXXX.I advised her that that never happened.Apparently XXXX was trying to cover up for some internal errors with their documentationShe then was emphatic that we should be all set because the numbers matched on the application numbers and the loan would be funded.This funding issue was not my problem but we thought it was resolved.We even discussed when the XXXX payment would be due because now all the dates were different.She said it would n't be until XXXX days after the funding date and I would get a statement and interest would only accrue from the funding date.
On XXXX I received in the mail a notice that the car would be repossessed unless I came up with XXXX?? This is insane the dealer did the financing and apparently had some clerical issue with the funding source and this is somehow my problem? They are trying to hold me responsible for their internal error.I have no issue paying the loan but it is unfair and deceptive to hold me accountable for their errors.They also violated fair credit with the errant disclosuresThey are a mess and this was ridiculous.I buy a car with XXXX XXXX interest with dealer provided financing and I am responsible because they XXXX up?????? They are holding me responsible for their internal accounting and procedures.
|
| 07/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.
|
| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Follow-up of previous complaints as this story continues to unfold and Chrysler Capital continues to act increasingly deceptive. On Monday, I phoned and after a lengthy discussion of getting none of my actual questions answered surrounding the automatic payment enrollment missed by Chrysler Capital the agent blind transferred me into the VM of XXXX XXXX ( spelling? ) I left a message and of course have not been called back. I've tried to call back in for her, impossible. " No personal extensions. '' " no one by that name. '' etc. I am currently on hold with employee # XXXX who " can not find my account '' and needs to research it. She can't transfer me either ...
So, not only will Chrysler Capital not provide information or any actual input into the issue at hand - how the auto-pay wasn't setup and instead just says " too bad, '' now they refuse to take calls, transfers, or speak in any capacity. You can't do this online, via their terrible customer experience web interface, you can't talk to a rep for answers, and you can't resolve anything w/o getting patronizing answers about making a payment.
I've just been transferred again to someone and am on hold yet again. It is astounding to me this company is allowed to treat customers this way without any repercussions. I also reached to an executive on XXXX who assured me someone would phone me - he asked for my acct # and everything. Still nothing.
So, it's amazing they " KNOW '' the auto-pay was not an error, but don't know ANYTHING else and can't even transfer a call or make a callback. Chrysler Capital has caused this mess and their resolution process makes it obvious they don't have an answer ... just hoping the customer gives up isn't how you regulate a business in financial services. I will continue this for as long as it takes to get what is right.
*update - still on hold and XXXX ( sp? ) is still on " the other line '' - agent wants to know how they can help. absolutely not starting over with a 5th agent on this disaster!!!! No emails to complain to, no way to do this online - they are still " researching '' with the tech team about my questions from call # 1 - bet they never call back ... conveniently however they will tell you they " show calls '' in their system. Convenient. I have one phone number and my phone is on me every second of their open hours.
16min and counting on the phone sitting on hold ... resolution is impossible with Chrysler Capital ...
20min in, still " on the phone '' - wants to know what I want ... stated I want a callback from my message I left on Monday. Rep # XXXX assures me they will deliver the message.
Unlikely.
|
| 08/02/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a new XXXX XXXX XXXX on XX/XX/2018 from XXXX XXXX XXXX in XXXX, NC. I traded in a XXXX XXXX on that same day. The finance manager didnt tell me to stop payment on my XXXX XXXX that would run on XX/XX/XXXX. I figured that was not necessary because I was dealing with XXXX XXXX with both leases. After the payment did transfer on XX/XX/XXXX for the XXXX XXXX that I didnt own anymore I called XXXX to talk with them about this and make sure I would get a refund for that amount. They assured me it would be refunded. On XX/XX/2018 I called in to XXXX XXXX to set up an online account to make the payments come out automatically for my XXXX XXXX XXXX through our checking account. I set up the account, made the new payment for my XXXX XXXX and then asked about the status of the XX/XX/XXXX payment refund for the XXXX XXXX. I was told then that XXXX XXXX called in on XX/XX/XXXX to ask for a payoff on the car I traded on XX/XX/XXXX. They ( I assume XXXX XXXX ) back dated the payoff to XX/XX/XXXX ( for some reason ) and applied the payment that i had made on XX/XX/XXXX to the XXXX XXXX and then only paid off the amount of the XXXX XXXX minus the payment I made on XX/XX/XXXX and because of this I would not receive a refund for the XX/XX/XXXX payment because there was no overage. I asked why and they could not explain it. I have since called XXXX XXXX about 4 times and they have escalated it to the highest level ( they say ) to the office of consumer practices and they now try to Keep giving me good news that I am indeed getting my refund. I know that. I know that because it would have been illegal for them not to issue a refund for a payment i made on XX/XX/XXXX for a car that didnt own as of XX/XX/XXXX. Each time they say they will listen to the taped calls from XX/XX/XXXX of when I was told on XX/XX/XXXX that I was not going to get a refund and each time I call them or they call me there is never a reference to any note that I was told anything other than the fact that I was going to get a refund. I assume there is a cover up being attempted for providing wrong information. I keep telling them that Im going to report this and that it would be better if they explained that they made a mistake. The dealership doesnt care and neither does XXXX XXXX. Neither seems concerned that Im going to report this even though this is the 4th car I have bought from. XXXX. Im supposed to get a call back by the end of today from a manager in the department of consumer practices. I dont believe I will. And if I do it will probably be to assure me that Im going to get a refund. There is something wrong here and I want an explanation.
|
| 01/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American, Servicemember |
|
This car belonged to my daughter and never had anything to do with it. I didn't know the bank how much her monthly payments, she was late twice and she missed XX/XX/XXXX, XX/XX/XXXX and day before XXXX she was taking her children out & they ran back in and told her they did not see the car. She had groceries in their and of course after learning where car was to get her things food was bad. My problem is I am also on that loan, although I thought my daughter had removed me. I was never contacted by Santander Consumer USA and it was in me trying to refinance my home, I learn all the particulars to this car. From my mortgage banker with XXXX XXXX and XXXX XXXX I learned the acct # and the phone number for Santander and I also learned that they had reported this on my perfect credit report and caused my score to drop 100 points yet no one contacted me about anything and when I tried to contact them I learned in a weeks time, after holding on the phone for an hour or more and telling the story over and over again on all the transfers that kept being done, and then finally getting so they claim the right dept., then being asked to hold a min. I held on for 15 or more mins. each time for the phone to be disconnected on me! I realized no one was going to talk to me. I am a XXXX widow of a VET who died from war and on a fixed income, and whether I was or not to be treated like this. Put this mess on my credit report but no contact me and I am on the loan or talk to me. Finally got my daughter to try and call after no one would talk to her because they said XXXX she did not have a job. I have learned thru my lawyer they had no right to say that. All they should have been concerned about was getting the 2 months owed and that was her right, if they were reputable which I now know they are not. No one would talk to me but my daughter got thru on XX/XX/XXXX and called me back in 5 mins. She said they said she needed to move fast because car was on the block and they would only except full payment. In between my JAG lawyer on XXXX XXXX, VA and my mortgage banker I finally got someone to talk to me yesterday, XX/XX/XXXX, and as nasty as she was to me, she tells me that the XXXX XXXX XXXX was sold for {$3400.00}. How is that possible when on XX/XX/XXXX my daughter told it was still for sale. I believe that it probably was auctioned on XX/XX/XXXX because my friend tells me that is when car auctions are held on Saturdays and so I now believe reason I could not even get anyone to speak to me. I would like my credit back the way it was and Santander denied me any remedy because they never contacted me of anything. Thank you!
|
| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
To Whom It May Concern, As a borrower of Santander Consumer USA, I have reached out to the company with my concerns about the auto loan account that I have open with them. I have addressed the fact that I, as a low income borrower, was not aware of the 27.99 % APR on the auto loan, which exceeds California 's usury rate. In fact, they exceed the rate by 17 %. I've been a borrower of theirs for over two years and have not yet paid half to the principal, and have reached out to them with major issues to break down into detail about where my own money was going towards. I have politely asked for refinancing options as well, but was denied this. I have asked for Extended Payment Plan, which they had charged an additional 5 % without notifying me, and the representative over the phone never clarified to me. I have tried my best to keep up with the payments, but feel that I will need to reach out to those of higher authority to help alleviate some stress. My auto loan borrowed was initially {$12000.00} to finance for 60 months. Beginning XXXX of XXXX, I have only paid less than {$1000.00} towards principal which doesn't make any sense, for I've made payments on time prior to my recent financial struggles in the past year of XXXX. I've closed my credit accounts to pay for this auto loan that is clearly a depreciating asset, but none of my money has gone towards the principal of this car. I've kept in contact with Santander about my situation in hopes that our business could become better, but I honestly feel a deep disrespect from the lender as I've tried my best to be cordial. On XX/XX/XXXX on a Thursday evening, I've called to manage my past due balance to bring my account back to current, and was told by 2 separate representatives an amount of {$620.00} made before XX/XX/XXXX would bring my account back up to current. I was not told of any other late fees that would be charged onto my account. Today, XX/XX/XXXX, I called to confirm this amount and was actually charged an additional {$260.00} onto my account, which was only three business days, and after speaking with a representative and a Supervisior who've clarified the additional charge. I asked to be waived of these extra charges because I was not given this information, and was again denied. If there is a reason for my default, I believe that Santander is in exploit of that. I am not satisfied as a consumer and would like to report this scandal. If Santander strives to be a company of prosperity and respect, they wouldn't dig a deeper threshold for their own consumers. Files will not be included until I receive an e-mail via CFPB. Thank you for your time!
|
| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Chrysler Capital is reporting that I am delinquent in making payments for a leased XXXX XXXXXXXX XXXX, VIN # XXXX which I leased in XX/XX/XXXX and subsequently purchased in XX/XX/XXXX. Since XX/XX/XXXX, I have been making payments to XXXX XXXX, the only lien holder listed on the title. This incorrect, derogatory information has blemished my otherwise excellent credit and is preventing me from obtaining a mortgage.
As the dealership that I leased the vehicle from has gone out of business, I called Chrysler Capital s corporate offices on XX/XX/XXXX and XX/XX/XXXX and was transferred from department to department ( Allegiance Team, Lease Buyout Dept., Credit Dept., Platinum Services Dept., etc. ) without any resolution. My last call transfer was to XXXX XXXX, who stated that there appears to be an issue with how the dealer bought out the vehicle. He then advised that the issue will be reviewed, and I will receive a call within 24 hours.
Since time is of the essence as Ive already made an offer on a home that was accepted ; and I did not receive that call, I again called Chrysler on XX/XX/XXXX and was informed that the Dealership whom I purchased the vehicle from underpaid Chrysler during the buyout process, and that I must pay the outstanding balance if I want this derogatory information removed from my credit report. Why should I, the consumer that made EVERY payment on time be held liable for one of Chrysler Capital 's licensed distributors error - and Chrysler 's negligence in not realizing that error at the time and accepting the " underpayment '' - that is not fair!
NOTES : I went to the dealer location in XX/XX/XXXX and informed them that I wanted to purchase the vehicle. At the time, there was one payment remaining on the lease. When asked if I should make that payment and then purchase, the dealer rep. said No that the last payment will be rolled up into the purchase price.
The dealer made a payment to Chrysler in the amount of {$25000.00}, which I was informed by the dealer included the 39th and final lease payment amount of {$420.00}, the purchase option ( buy out ) fee of {$350.00} and any other related taxes and fees. This supports the presumption that the buyout process was flawed, and my lease account was not, at no fault of mine, properly updated and closed out. Also listed on my account as outstanding is the disposition fee of {$390.00} which is waived if the customer purchases the vehicle ( see additional terms on lease agreement ).
Lastly, I am in possession of a my vehicle title that shows the only lien holder as XXXX XXXX ; why would Chrysler release a title if funds were owed?
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount, even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
XX/XX/XXXX I purchased a XXXX XXXX XXXX from an auto dealership in XXXX, AL. It wasnt until XXXX I found discrepancies in regards to the Retail Sales Contract ( Forged Signature ) that I am held to currently and the interest rate followed by the loan terms. In XXXX I began my journey of cleaning my credit, and it was at this time I noticed that my loan terms were 80-81 months, my Intrest Rate was 21.07 % and through my transaction history via the Chrysler Capital website I found that the majority of my payments went to Intrest and fees and hardly any to the principle balance. I have also noticed a trend in the company reporting incorrect amounts due to the credit reporting angencies. Concerned about the findings I requested a copy of my contract along with the XXXX-XX/XX/XXXX billing statements because I could only see statements preceding that period. I was told that the company had no way of accessing those statements and they could not provide such and that my contract would be mailed and in receipt shortly. A few days passed and I inquired about the contract again and was told that they would send another copy just in case. A little after a week I received the Retail Sales Contract during which time it was only one sheet and this contract stated loan terms of 74 months & {$460.00} beginning XX/XX/XXXX ; 1 month & {$440.00} Final Payment Due XX/XX/XXXX ( I am in receipt of the original ). A few days later I received a second contract with the arbitration as well but this contract state 75 months of {$460.00} and no final payment due and I noticed that the signatures were slightly in different places and my signature was not that of my own. Each document has a typed date stamp, and when I look over all documentation that I have I am led to believe that everything typed was done after the fact. I would have never consciously agreed to pay in total more than half of what a vehicle is worth especially when the vehicle traded was paid ( no monthly payments ) and in great working order. I am lead to this conclusion not only because of the credit reporting agencies are stating whats reported to them directly by the company ie. Loan Terms and APR but looking through my documentation, some documents have a date of XX/XX/XXXX and others XX/XX/XXXX. I made only one trip to the dealership at which time I had a witness and there are too many discrepancies to suggest all documents were provided at the time of purchase because they would have raised red flags for myself as well as my associate. I do know that the requested years statements would prove that the monthly payments changed especially in the beginning.
|
| 01/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.
|
| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
SANTANDER CONSUMER USA- AUTO LOAN -- XXXX/XXXX/XXXX i requested an extension because Texas was hit by a natural disaster " Hurricane Harvey '' On XXXX XXXX XXXX. My town and several others was declared a disaster area. I was told by Santander that i could get help with an extension on my car payment that was due XXXX/XXXX/XXXX. After speaking to several reps and getting the run around i was finally granted the extension and was given an option of extending it for one or two months. I let the rep know that i only needed one month and that i should be recovering and back on my feet after harvey had settled down. The rep then let me know that i would have to extend my loan from the current amount of like 5 years and in order for them to agree on the extension i would have to add 2 more months to my loan date. I agree 'd because i was in a tough spot. I disagree completely with the thought of them taking advantage of me during a natural disaster. First they seemed like they were there to help with those affected by Harvey, but they forgot to mention that i would have to extend my loan agreement and that the next two payments after that would be completely eaten up by interest. This is one of many complains! My next issue is that although i am aware of my high interest rate of 22 % due to me having bad credit. I disagree with the payoff amount. I have been paying on this car since XXXX XXXX. Today is XXXX XXXX XXXX and payoff amount is {$8300.00}. I have made all on time payments besides the Harvey situation and the extension. None of my payments have been reported to the credit agencies as they said it would. All of my payments have went towards interest rather then principle. Almost a year later and i have only made little progress. $ XXXX {$50.00} goes towards the principle balance and i believe this is not correct! Also it shows i owe {$4000.00} + in interest still. I planned on paying off the vehicle this month but realized that the agreement plus the car sales woman and the santander rep by phone all said that if i payed off early, i would be downsizing the inerest and only paying a small amount of interest at which was already accumulated as of the day of pay off. Now another rep is telling me i have to pay all of the interest plus tax title and lien when the contract states that i only pay for the amount i have left minus the interest if paid off early. I should not have to pay interest on the loan if payed off early! This makes no sense! This company is screwing me over and i will not tolerate it! I need answers as to why they are misleading me and i am paying more than what the car is worth.
|
| 04/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment.
Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment.
Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.
|
| 01/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled.
I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion.
But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager.
I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement.
Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday.
So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies.
What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!
|
| 03/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Servicemember |
|
DEALERSHIP PUSHED US INTO A CAR LOAN CANT AFFORD AUTO DEALERSHIP FAILED TO DISCLOSE FINANCING AGREEMENTS AND INFORMATION ABOUT FINANCING LENDER COMPANY PRIOR TO SIGNING CONTRACT, THEY ADDED EXTRA UNWANTED WARRANTY STATING THE LENDER REQUIRED THE ADDED WARRANTY COVERAGE FOR LOAN APPROVAL, WAS FORCED INTO A CAR AND AGREEMENT UNDER DISTRESS NOT ALOUD TO LOOK OR SHOP FOR CHEAPER VEHICLES THAT WE COULD AFFORD EASIER & THEY OVER SHOPPED MY CREDIT REPORT SCORE SO BAD IT LOWERED MY SCORE FORCING ME WITH THE WORSE POSSIBLE LENDING COMPANY AND INTEREST RATE POSSIBLE WITH PAYMENTS I CANT AFFORD THE AUTO INSURANCE RATE AND MONTHLY LOAN PAYMENTS EACH MONTH.WHICH WE TOLD THEM PRIOR TO SIGNING. I'M A XXXX XXXX XXXX WAR VETERAN WITH SERVICE CONNECTED XXXX.THEY ALSO STATED THEY COULDN'T GET A LEASE LOAN AND CALLED ME BACK INTO SIGN A PURCHASE LOAN AFTER 10DAY REQUIRED PERIOD ALOUD BY LAW ADDING MY GIRLFRIEND WHO HAD WORSE CREDIT THAN MINE FOR LOAN APPROVAL THEY STATED Additional Information by Category Breach of Contract The contract was entered into on this date : XX/XX/2017 The contract was : Written, and I have a copy The approximate $ value of the contract is : $ XXXX The contract was breached on this date or over this time period : XX/XX/2017 XX/XX/2017 The approximate $ value that I stand to lose or have lost because of the breach of contract is : I don't know The likelihood that I will be able to collect money from the other party if I win is : Possible Consumer Credit My legal issue is with a : Bank or Credit Union Repossession Collection Agency Debt ( s ) - considering Bankruptcy Other : CAR DEALERSHIP UNLAWFUL TACTICS Consumer Protection and Fraud The entity that committed consumer fraud against me was : A business My consumer protection / fraud case involves : The sale of consumer goods The performance of services Other : OTHER OPTIONS NOT PROVIDED AND FRAUDULENT. DISTRESS CAUSING RESULTING IN HARM Repossessions Date the property was purchased : XX/XX/2017 Amount of money owed on the property : $ : XXXX I am the : Owner of property that is subject to repossession The property subject to repossession is : A vehicle Date of last payment on the property : No payments Collections The date or time period when the debt was incurred : XXXX The debt relates to these goods or services : EXTRA WARRANTY 'S ADDED, LOAN FINANCING, FORCED INTO A NEW CAR PURCHASE NOT VEHICLE OF CHOICE I am seeking to : Defend a collection action against me The following actions have been taken against the person who owes the debt : Request for payment I am : Other : XXXX XXXX XXXX WAR VETERAN The collections amount is $ : XXXX
|
| 12/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct.
Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees.
Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.
|
| 11/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I 've had a car loan with Santander since XXXX XXXX. I stopped receiving statements around XXXX, but continued making payments above my monthly requirement.
In XXXX I called to inquire about statements and what the balance on my loan was. They informed me that I was some {$1100.00} ahead of payments and the value of my payoff. They could not explain the lack of statements.
I tried to get back into the pre-planned payment schedule but without statements, I was guessing.
I made a payment on XXXX XXXX XXXX for {$250.00} and went about life. On XXXX XXXX I received a pre-paid debit card from Santander for {$250.00} for " overpayment '' on my car loan. I immediately reached out to them, but it was difficult to understand what was going on as all my information had been purged after my loan was " sold ''.
I asked why it had been sold, and why I was not informed. Their response was crude and said that they did not need to inform the borrower. I asked if my payments had fallen behind and if such, why did they not advise me via some correspondence ( they have my email, because they contacted me after the call to make sure I was satisfied with my phone call ). They again said that they did not have to notify the borrower of anything and that most likely I fell behind and that 's why they sold the loan. They recommended I take it up with the company that bought the loan. I, obviously felt that it was ridiculous to complain to the new lender, since my issue was with Santander ; but it fell in deaf ears. They did volunteer that the loan had been sold on XXXX XXXX.
They provided me the contact to XXXX XXXX. I contacted XXXX the following day. XXXX had no knowledge of who I or my wife were, nor did they have a record of my past loan with Santander.
I called Santander back the next day. They insisted that my loan was now with XXXX. After much insistence they said they 'd research and that I should call back the next day.
As requested, I called Santander, and once more they insisted that I try XXXX. After requesting to talk to a supervisor, they arrived at a new name. Now I should call XXXX. At this point I had very little confidence in the process that had been followed. XXXX recognized my loan, but told me that they were XXXX XXXX. Nevertheless, they could not offer me any information and requested I contact XXXX, who would be servicing my loan.
I have reached XXXX and requested that they send me some information about my loan. I am worried that without proper paperwork, I may be making payments into a black-hole.
How can Santander not provide me with any feedback of the status of my loan?
|
| 08/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Response to the letter about my previous complaint.
SANTANDER said they approve my credit application ( id # XXXX ) on XX/XX/2021.
SANTANDER is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction.
Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
I also have my 4th amendment right Which states that I have the right to be secured and that includes any security interests I have is my right to be secured!
I use my credit card ( social security card ) Pursuant to Title 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Once the contract is indorse by my signature the contract becomes a instrument with value and consideration & fulfills/settles all obligations.
|
| 01/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.
|
| 04/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again.
I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind.
Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic.
The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off.
Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.
|
| 09/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.
|
| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
To whom this may concern, I am writing to you regarding the predatory lending I have been subjected to with Santander, specifically, exposure to high loan-to-value and payment-to-income ratios. This was due to the dealership illegally inflating my income.
In XXXX of 2018, I filled out an online application for financing with XXXX.
I was upfront with information regarding my credit scorXXXX ranging from 400-500 and that I could not afford for a monthly payment to exceed {$350.00}. At that time, I was a customer service representative for XXXX XXXX also known as XXXX XXXX. The XXXX dealership in XXXX CA, responded to my online inquiry and advised me that I was approved and needed to come down to the store to finalize the paperwork. When I got there, the sales representative said she was able to get me approved for a 2018 XXXX XXXX XXXXXXXX She advised the only thing she had to do was change my income and make it so that I brought in more income than I reported. I didn't think anything of it because I was happy and shocked that I was able to get a car from them with no money down and a credit score no higher than XXXX. The sales representative asked me for my license which at the time I told her I did not have a valid drivers license but only had an ID. She said that was okay but that she had to check something out with her supervisor. She went into another room and spoke to a man then came back and said the ID was fine to take delivery of the vehicle, but that they couldnt allow me to drive the car off the lot. She then advised that she would drive it off the lot for me and have someone follow her. After the paperwork was finalized, she advised the monthly payment would be {$510.00}. She handed me the paperwork and called for her son, who also worked for the company, and told him that he was to follow her as she drove the vehicle I purchased off the lot. She dropped me off at my apartment where she then handed me the keys, she said congratulations on your new vehicle.
I am filing this complaint against Santander as they should be held responsible for the illegal underwriting practices that occurred specifically related to the inflation of my income to support a payment-to-income ratio I could not afford. This predatory lending is nothing short of a UDAAP violation and is causing negative credit implications. As a result, I would like for the following remediation to occur : I would like to surrender the collateral to Santander and in return, Santander deletes my tradeline and waive any deficiency balance.
Thank you XXXX XXXX XXXX : CA Attorney General
|
| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My name is XXXX XXXX and I received an adverse action letter from Santander Consumer USA. The letter states that Santander is unable to approve the terms of your credit request, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the XXXX. This is even stated on the letter at the very bottom. I also noticed that it mentions an application for extension of credit. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. Creditor is defined as someone who regularly extends credit AND to whom the debt is ARISING FROM, pursuant to 15 USC 1602 ( g ). Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is in fact a credit card. So in order for Santander to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor because I extended my credit and I am who the debt would be arising from. So theyre falsely claiming that they extend credit when their website consists of financing options. Credit and loan/financing are NOT the same nor do they have the same definitions. A loan application is applying for a loan ; financing. So they are taking my credit source and denying me of my own credit based on information that is NOT verified. Finally, in the letter Santander states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Santanders decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Santander obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Santanders decision.
|
| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XXXX of XXXX , I purchased a XXXX XXXX XXXX . The loan holder, is Santander USA . During the life of the loan, late payments were submitted and I requested XXXX deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late. My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On XXXX XXXX , XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer : XXXX XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is XXXX XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of XXXX XXXX , my remaining principle balance was {$8700.00}. Why? Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.
|
| 07/19/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt.
This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court.
I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore.
I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law.
I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
Santander Consumer USA violated the Service Member Civil Relief Act as well as the fair Debt Collection Practices Act while I was XXXX between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was on XXXX, and then entered into XXXX From XX/XX/XXXX to XX/XX/XXXX. While XXXX, one of their representatives called me later hours at night, sometimes after XXXX XXXX. In addition, since they called me, it means they called me while I was at work XXXX. She made a settlement offer while we spoke, and one time she asked me if all of this was affecting my security clearance. The Last payment received was in XX/XX/XXXX, the time I was XXXX. They shouldnt have been asking for nor receiving payment at the time. In addition, they never bothered to repossess the vehicle. I told the individual that the vehicle was back in the U.S. and that I did not have enough money for the settlement offer. She called me at least 3 times while I was there, late hours of the night when I should have been XXXX. To make a long story short, she stopped calling me. I financed the vehicle with this company XXXX. So no payments were made after XX/XX/XXXX. And that 's because I was XXXX and did n't have enough money to make payments. Instead, they should have went ahead and repossessed the car, but they just kept harassing me. About 2 years later, I checked my credit report and I saw where the company wrote off/discharged the loan. Afterwards, another gentlemen called me from the same company talking very rude and nasty to me while I was working at my national guard unit on that particular day. I told him, that since I was an XXXX XXXX XXXX vet, I didnt receive as much and I had no other income or job. He then said basically, that 's b.s. and hung up the phone. Fast forward to XX/XX/XXXX. I received a XXXX from this company stating I was discharged of debt in the amount of {$14000.00}. The letter was dated XXXX/XXXX/XXXX so I 'm assuming that was the discharge date. I also received a letter from SCUSA-SCRA settlement administration stating, this company entered into a settlement with the U.S. Department of Justice for violating the service members civil relief act. The letter informed me that I may be eligible to receive compensation due to their violations that are corrupt. In addition, this debt shouldnt even exist because they never repossessed the vehicle and the debt was written off around XX/XX/XXXX. I know this to be a fact because in XX/XX/XXXX I financed a vehicle from XXXX XXXX XXXX, and XX/XX/XXXX I financed a vehicle through XXXX, so this debt doesnt even show on my credit report anymore.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
We purchased a car that was financed through Santander USA in XXXX. After having years of financial issues, we filed a chapter XXXX bankruptcy in XXXX XXXX. In the filing we included XXXX cars that were financed by Santander USA and our payments made to the courts were solely for the XXXX cars. In XXXX XXXX, we requested that our bankruptcy be cancelled. Prior to the cancellation, we contacted Santander USA stating that we wanted to keep our cars. We dropped the bankruptcy only to find our payments that were made only covered a percentage of the monthly payments and we were now far behind. Santander USA proceeded to call our neighbors, who were not listed on any documents as contacts. We requested deferments, starting making payments only to notice the payments and then requested a resolution to why Santander was calling random people and telling them they were trying to reach us. This was highly embarrassing and consulted legal advice. We never heard back from anyone in management and continued to try payments to catch up. In my research of our account, I noticed that all of the payments to the XXXX XXXX were going towards interest. I called Santander USA in XXXX XXXX and asked them how we could rectify this and I asked that someone in management called me back. Santander USA continued to call us repeatedly around XXXX-XXXX times per day, called family members but never had anyone from management call us to discuss how we could rectify our concerns. I made the last payment in XXXX and waited for someone to call us back. While they continued to call repeatedly, not XXXX call was from a manager. We received several calls for another loan holder. On XXXX XXXX, I received a call from Santander USA and again, tried to rectify the situation. They told us we need to pay over {$2000.00} to get caught up and then we would be on track. I explained that the car was worth {$1000.00}, we have paid over {$2000.00} in recent repairs and that we did not have the money to pay to catch up. The person said they would inform the recovery team to pick up the vehicle. We surrender the vehicle on XXXX XXXX XXXX to " XXXX ''.
We need to know why Santander USA delved through our social media accounts to contact a neighbor and proceed to tell them of our situation with the car. Why they called us repeatedly but never called to explain the insulting call or the repeated calls to our phones when we were making payments. And, we need to know why no one explained that our payments after our bankruptcy would go directly to interest for almost a year due to the bankruptcy filing.
|
| 08/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Santanders auto loan division has placed my husband and me in a more financially crippling situation than we were in before contacting them for assistance. In early XXXX, I contacted Santander to set up a payment arrangement for the payments that were missed due to loss of income. The first representative I spoke with informed me that I was able to defer the missed payments altogether, and they would be added to the end of the loan. She then stated that the next payment would not be due until XX/XX/XXXX. This would give my husband and me time to catch up on our monthly auto payments and bring our account to a positive standing.
Since the account with Santander is under my husbands name, I had to call back with him on the line to accept the payment plan. Consequently, I called back a few days later with my husband on the phone so that he could approve this arrangement. Upon calling Santander again, we spoke with different representative, however, she outlined the SAME terms that the previous representative explained to me. For this arrangement to take effect, we needed to make an initial payment of {$850.00}, which was processed via debit card on XX/XX/2018.
Today, our vehicle loan with Santander is in the same negative status as it was when I placed the initial phone call due to the negligence of not one, but TWO representatives who failed to provide accurate information when setting up this payment plan. Unbeknownst to me, our next payment should have been in XXXX and not XXXX according to an account representative I recently spoke with who informed us of our delinquent account status.
Santander has repeatedly apologized and admitted that the representatives of their company provided inaccurate information, yet they refuse to remedy the issue. We are unable to make an additional payment on this account, especially since we were under the impression that regular payments would resume in XXXX. Santander has a fiduciary responsibility to their customers that includes providing them the most accurate information regarding their account ( s ). Their mistake have cost us yet another negative credit mark, and an additional balance that we are unable to resolve at this time. We are requesting Santander to delete the negative credit reporting associated with this payment arrangement, as well as defer XXXX payment to the end of the loan as originally discussed. Furthermore, when I access our account online, it shows a past due amount of {$4200.00}. Santander needs to adjust this information to provide the most accurate information about our account.
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the XXXX XXXX, my credit is bad, i have XXXX judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. Santander doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR.
Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with Santander and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had.
In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for Santander that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX.
Santander does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement.
I want Santander to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX XXXX Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this Santander tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement.
I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement.
I'm attaching my requests with the AG of Indiana 's office and the Judgement
|
| 05/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I entered a loan with Santander Consumer USA in XX/XX/XXXX. In XX/XX/XXXX, I was in a car accident that resulted in the car being deemed a total loss by my insurance agency. I was told by Santander that after XXXX paid, my Gap insurance would cover everything else. So I purchased a new vehicle, being that I am a student living away from home. Following my vehicle purchase, I was called by Santander stating I still have a residual balance I am responsible for and failure to do so will result in my credit being impacted. My insurance company paid {$5200.00} and my GAP insurance with Santander ( XXXX XXXX XXXX ) paid {$1500.00}. I was told by XXXX that they do not cover late or missing payment or interest fees. So I paid my loan with Santander and my loan for my new car monthly. In XX/XX/XXXX, my credit report stated that my account with Santander was closed and paid in full as of XX/XX/XXXX. I called Santander on XX/XX/XXXX inquiring about the report because my online account still displayed a balance. I was told that the reporting was incorrect and the account is open and past due 53 days. I made a payment to Santander on XX/XX/XXXX that they misplaced. I faxed over my bank statement showing the payment processed ( XX/XX/XXXX ) and received verbal confirmation that the payment was found and will be applied to the account. Following this conversation, I was told on XX/XX/XXXX that I was 59 days past due and if I failed to make a payment it would be reported to the bureau, even though I continued to tell them the account is reported as closed and paid in full on my report. I made a payment on XX/XX/XXXX to avoid a negative report. On XX/XX/XXXX Santander listed my account as closed and adjusted the balance to reflect {$0.00} not including the misplaced payment from XX/XX/XXXX and XX/XX/XXXX. I was never contacted, so I called to inquire. I was transferred to the executive office who mentioned that the the credit dispute office stated they were advised to list the account as closed and paid in full as of XX/XX/XXXX. I followed up by asking what balance have I been paying on for 14 months, I was told they would speak with accounting and let me know. I have called every day for the past 2 weeks trying to resolve this issue. They mentioned they have been working with the CFPB in regards to my account. So I asked if my account was one of the accounts related to the settlement that took place in XX/XX/XXXX. I was told that I would receive a letter that was issued by an automated system on XX/XX/XXXX explaining in full detail what is wrong with my account.
|
| 02/28/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law.
1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me.
2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts.
3. I didnt receive notices prior and right before the repossession.
4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law.
5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession.
6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it.
7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction.
8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check.
9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle.
10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know.
11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.
|
| 10/24/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Web |
|
|
I had put XXXX down on a XXXX XXXX XXXX me 6 months will lower payment, ,as my insurance was XXXX ..i was paying XXXX $ monthly teaching at college, ,yes.. after 1 year i had gotten in a bad XXXX, no longer can work, i am on my XXXX XXXX, ,at that time i asked to ; lower payment it over time, ,they said we never said that and your sales guy is no longer here, ,i cou ; ld not pay that XXXX $ any longer, ,so i gave XXXX back and i gave them XXXX $ again for a 2008 scion box,,, that wa sthe deal if i bought another carb XXXX DOWN AND GAVE XXXX THEY NWILL AUCTION OFF AND WE WILL BE EVEN,,,,, ,OF COURSE I DID NOT KNOW HE ALSO RAISED APR TO 28 % i am SICK,,, ..holy XXXX,,, XXXX months layer i paid XXXX $ to XXXX car PAID IT OFF,,,,, ,they HAD auctioned XXXX back then and sent me a =letter of owe 0 ) XXXX ,its in my file ..., ,i also had given my daughter XXXX to put on a XXXX also because of my settlement money i was able, to do this,,, i was never told anything else ... .but i think after they found out about my moneys they changed their mind and iv been getting letters to owe another XXXX $ for XXXX, ,i already paid XXXX on XXXX and tHey auctioned for XXXX XXXX car was only XXXX $ and i had for 1 year,,, does not make sense, ,how would they even sell me another car for XXXX down and handed my old car in if i owed any thing else ... please help me this is crazy,,, I would have taking care of these things if they would have told me from beginning, ,i do not do scams very well..i am certified PI BUT STILL CAN NOT WORK & lt ; & lt ; XXXX XXXX recently to a US XXXX whom has purple XXXX from XXXX and XXXX, ,and he takes good care of me, ,i just need to get a chance to please get my life back, XXXX years ago i went thru a bad time after accident and put me in a lot of problems alone, next thing i had these little bills from things i do not even aware of, ,i just need this all fixed,,, i am receiving my second part of my settlement in XXXX `- XXXX months and i need to have credit fixed to move buy land and buy a business for my older kids to have when i leave from here,,, ,please help me fix all this, i need to get cleaned up in system thank you so very much ... XXXX XXXX XXXX, ,like i said i paid off my scion XXXX XXXX months after and paid dr.uecker {$8500.00},, paid rent electricity, never have been evicted i pay all my bills, ,i have great XXXX health XXXX. i donot see why my score is still so low, ,i cant do much buying and using credit when iv had XXXX surgeries i XXXX years and on bed rest now from another XXXX XXXX weeks ago XX/XX/XXXX ...
|
| 11/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 in good faith to get household goods for my family. With my ignorance to the federal consumer law and trust in XXXX XXXX contract I was taken advantage of with the terms of the contract. I used the CFPB website and looked at Regulation Z which is the Truth in Lending Act and I see that when entering a credit transaction you're responsible for the finance charge and that is the dollar amount the credit will cost you ( XXXX Finance charge ) the finance charge was {$7700.00} and I paid {$10000.00} which is more than the finance charge. I also noticed that the transaction was suppose to come with credit insurance unless I declined the option and Chrysler Capital say they don't offer that which not following the Truth in Lending Act as they say they do. The finance charge also says It does not include any charge of a type payable in a comparable cash transaction but I was told to put down {$3200.00} as a down payment and they deduct the down payment from the total cost they actually added the {$3200.00} to the total cost which is just criminal on their part. Regulation Z also gives you a right to rescission in section XXXX which allows the consumer until midnight of the XXXX day to cancel the transaction but with Chrysler CapitalXXXX contract it say no cool off period meaning if you sign the contract you can't cancel and that is another violation of the Truth in Lending which makes them civilly liable for double the finance charge. I sent a complaint to this company in XXXX using title XXXX chapter XXXX and they responded with my claims didn't apply to auto loans but its a credit transaction that I applied for and it says it on the contract. Since then I have found violations of the FDCPA that this company has violated as well and I have them attached to this complaint. I am filing this complaint because Chrysler Capital is still reporting this account as negative to my consumer report and they sent an unauthorized person to my home the steal my vehicle and knowing that I was only responsible for the finance charge which means the vehicle was paid for. This action by them has put me and my family in a financial crisis because we're unable to get and house hold good by credit because Chrysler Capital has ruined and is continuing to ruin my reputation the have even sold the account to a company named XXXX and they're are reporting to the consumer reporting agencies as well I want to settle this matter here because they have caused me and my family too much injury.
|
| 08/06/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX XXXX, XXXX I purchased a XXXX Nissan Altima VIN # XXXX from XXXX XXXX XXXX XXXX XXXX. I noticed after a few days that the vehicle had transmission problems and returned the vehicle on XXXX XXXX, XXXX. The same day that the vehicle was returned I purchased a XXXX XXXX XXXX XXXX # XXXX. I was told that my first payment for the XXXX Nissan would be due by XXXX XXXX, XXXX and per my contract the new loan was financed through the same company as the XXXX Nissan which was Santander Consumer USA. In XXXX XXXX called Santander to make my payment and was advised at that time that I was never approved for the XXXX Nissan and that I owed a payment on the XXXX Nissan that was returned. Per the representative at Santander she recommend that I contact the dealership to inquire on when they will be submitting the documents on the XXXX car and providing the contract for the XXXX Nissan. I have called XXXX XXXX XXXX XXXX XXXX several times and no one has ever returned my call regarding the issue. The only calls that I have received from the dealership have been reminder calls regarding upcoming oil changes.
I have contacted Santander USA several times as well and per my phone call on XXXX XXXX, XXXX the representative advised me that I am behind on the XXXX Nissan in the amount {$2700.00}. He also stated that the vehicle is out to be repossessed and my issue is not with their office it 's with the dealership and that I will be responsible for the deficiency balance once the vehicle is sold. In addition to the inconvenience of this whole entire situation I have also received an Adverse Action notice dated XXXX/XXXX/XXXX stating that they pulled my credit on XXXX/XXXX/XXXX and due to several reasons they have denied my loan. The problem is I never applied for any loan with Santander on XXXX/XXXX/XXXX. I purchased both of the vehicles in XXXX and that was the only time I authorized my credit to be pulled. My credit score has now dropped due to Santander reporting past due payments and a charge-off as of XXXX XXXX, XXXX. No one will help me get this issue resolved and at this point I 'm considering getting an attorney because I feel that the Santander and the dealership is trying to stick me with paying for a vehicle that I returned to the dealership months ago. Please also note that Santander is listed as the lienholder on my current contract for the XXXX Nissan Altima however they state they have no record of the car only the XXXX Nissan Altima that was returned to the dealership on XXXX XXXX, XXXX. Please help me to get this issue resolved.
|
| 08/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a new vehicle from XXXX XXXX XXXX XXXX, California on XXXX XXXX, 2015. The car was a 2015 XXXX XXXX XXXX and decided to do the 0 % financing and put {$5000.00} down @ XXXX mos. My credit score was over XXXX! After XXXX months of calls from Chrysler Capital financing, a " XXXX '' requesting excessive documentation, personal bank statements, " how 's the money coming in '' ( really should n't matter where 's it coming from ) other than my net worth well exceeds the value of the vehicle. With the assistance of my financial institution XXXX XXXX XXXX XXXX company could not believe what Chrysler Capital financing was putting me through and the inconsitencies with requests!! Examples : XXXX XXXX - tried calling XXXX at the number that you gave me, nothing but a busy signal. XXXX the number to make sure I had it right, still busy.
XXXX XXXX - tried the number numerous times during the day, still busy.
XXXX XXXX - XXXX called in and we spoke. She was looking for employment info, which I told her I could not provideXXXX XXXX - XXXX called ( acting like it was the first time we had spoken ) and requested statements. I sent her the statements per my conversation with you.
XXXX XXXX - received a message from XXXX, again acting as though she had never contacted me before, asking the I send the statements. I resent the statements and emailed XXXX XXXX XXXX - Spoke with XXXX at XXXX XXXX dealership and sent him the statement once again.
In closing, I could of out right purchased this vehicle cash, but choose to do the financing. Having said that, if I was treated so poorly I would of never gone through this ordeal. On Sunday, XXXX XXXX I received a call from the Finance Manager, XXXX at XXXX XXXX apologizing for how I was being treated and that the loan had finally gone through. Returning home from vacation on Friday, XXXX XXXX to find a note taped to my front door from Chrysler Capital - " Urgent Notification - Account Default '' Really completely blown away!! XXXX weeks after getting a call from XXXX ... now my thoughts are what the XXXX is going on?? Called Chrysler Capital on Monday, XXXX XXXX and spoke to a XXXX, Manager in Servicing and I immediately asked her where is the statements, coupons reflecting what 's owed. She could not give me an answer and said that NO documentation had been sent to me even when I explained that the loan had been finally funded. Lack of complete communication ... I did n't know what to think other than, a real poor way of handling customer 's and NO XXXX people know what the XXXX is going on!!
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
A Special Needs young man, entered XXXX XXXX XXXX on XX/XX/XXXX located at XXXX XXXX XXXX XXXX NY XXXX to ask questions about a car and left with a XXXX XXXX XXXX XXXX. XXXX from the sale of the car has the dealership as : XXXX XXXX XXXX XXXX XXXX. XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX NY XXXX. The dealership convinced an Intellectually & developmental disabled young man that he could afford a XXXX XXXX XXXX XXXX. He told them that he only makes about {$20000.00} per year, has coop maintenance fees of {$640.00} per month, has electric payments close to {$100.00} per month, along with other bills. They told him he could afford this car if he traded in his current car ( a XXXX XXXX XXXX that we purchased just 2 months ago for {$18000.00} from another dealership ). They traded his car for just {$12000.00} ( yet they put in the paperwork that they gave him {$11000.00} for his car trade & as if he gave them {$500.00} cash. That is false. No cash was given. He didn't even have the title to his XXXX with him, as he just went there to ask questions. I have proof of the XXXX XXXX, the exact vehicle listed online at {$30000.00}, yet the paperwork shows a sale price to my son at {$40000.00} ( & says " total cash price '' of {$47000.00} ). His credit score is at about XXXX, showed XXXX student loans ( & I also showed the dealership a collections agency letter received on XX/XX/XXXX ). They gave him an interest rate of 22.9 % for 72 months ( that's almost {$900.00} per month ) and had him sign a " no cooling off '' form claiming that by law it had to be signed. I was told this as well by them & I have proof of them stating this to me. They also told my son that he had to take a picture with the vehicle and leave a review on their website before leaving the dealership. I ( his mom ) returned to the dealership within 24 hours of the purchase ( I have proof of this as well ). We brought the car with us, asking if we could leave the XXXX XXXX on their lot so it wouldn't be touched or driven until we received the new title, & we asked if we could then have his XXXX back. We were told its not their problem & if someone wants to buy his XXXX, they're selling it. I showed my son 's IQ score, medical diagnosis ', disabilities and explained that I am in the process of getting Guardianship. This dealership is 1 month old. They took full advantage of this young man and offered no help. Shame on them! They purposely had him sign a " No Cooling Form ''! They know exactly what they did! Shame on them!
|
| 06/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX, Santander offered their clients a 2-month forbearance due to the COVID-19 pandemic and stated the payment in forbearance would be added to the end of the loan. My salary had been decreased during the pandemic, so I decided to accept the help. Santander sent me the forbearance letter informing me that I did not have to make my XX/XX/XXXX and XX/XX/XXXX payments and informed me that the maturity date on my loan would change from XX/XX/XXXX, to XX/XX/XXXX. I didn't read the entire forbearance because I thought I was signing what they were offering me. However, after reading the document today, it appears to be an " extension '' agreement for customers who were late making payments and behind on their car payments. Neither applied to me because I HAVE NEVER BEEN LATE MAKING A PAYMENT NOR HAVE I EVER BEEN BEHIND ON MY PAYMENTS. In reviewing my transaction history, it appears that the first 2 payments that I made after the forbearance period, Santander applied 100 % of XX/XX/XXXX and XX/XX/XXXX payments to interest ; my account balance remained {$29000.00} for 5 months, from XX/XX/XXXX until XX/XX/XXXX. They also added a comment to my credit report for those months stating that " Affected by Natural Disaster '' for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the past, I question Santander about the interest they were taking from my monthly payments because it was never the same amount and seemed to more as the balance decreased. I would like to know what they meant by the comment they added to my credit report because XX/XX/XXXX and XX/XX/XXXX were the ONLY months - since I purchased the vehicle - that I did not make my monthly payment. In addition, under the Actual Payment section, they are reporting that I did not make my XX/XX/XXXX and XX/XX/XXXX payments. That information is not true - I paid my XX/XX/XXXX car payment on XX/XX/XXXX, and the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX, I traded the XXXX for a XXXX and the XXXX dealership paid off the XXXX on XX/XX/XXXX. Santander reported the XXXX to the credit bureaus on the same day, but DID NOT report that the XXXX was paid in full with a XXXX balance ; therefore, they are reporting 2 high-balance car loans when it should only be one. All of their reporting affects my credit and credit scores. Lastly, I had a car loan with them for 2 years, before I purchased the XXXX, I was never late and never missed a payment, yet they charged me a ridiculously high-interest rate like I had never done business with them before.
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased my vehicle XX/XX/2012 first payment started XX/XX/2012 for a 72 month car loan through Santander at 21.25 % interest .Although some of my payments were late I have been able to maintain making payments never had a repossession, Ive made 49 payments of {$620.00} up to this date.
This car has been reliable until recently Ive had to put over XXXX in car repairs over last 2 momths and was told I need to get rid of it by the mechanic because its going to be too much to fix now I had to get a waiver from the DMV in order to register the car becsuse it fa iled smog .twice even after the necessary repairs were done. The mechanic which fixed my car XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX Nevada says it would cost close to XXXX for Timming chain and once they take the engine apart its no tellingwhat else theyll find and it could cost me more money.
Ive been tryingto get a reliabe vehicle and trade thecsr in but no auto dealer want to take negative equity anf apply to a different car.
Santander is reporting incorrectly my paymemts and not applying payments to my account according to agreement. Santander has alsobeen addeing extra amount to increase my balance during the loan without my knowledge.
Ive had some difficult times over the life of this loan due to unemployment last year, and prior personal difficulties and needed extnesions on payment. The customer service representstive for Santander gave me misleading information when getting my extensions I was under the impression The 4 extended payments would just be put on the back of loan which would make me have 4 additional months to pay or I could pay extra before the end of loan period to complete the payments.
I want my account totally audited all of my payments to make sure account is being managed correctly and for my correct balance to be reported correctly on my credit reports.
This isnt only affecting me and my credit but its also affecting my daughter since she was my co-signer for this vehicle at that time.
She also purchase her vehicle at thst same time we thought we were getting a deal.
Santsnder has sold or transferred her loanto another finance company she is also making payments since XX/XX/2012 and feels she is getting ripped off shes saddened and regret cosigning although she was happy to help atthat time.
please help to resolve this issue.
my car is only appraising at XXXX now which was done by XXXX. Santander is reporting that I owe over XXXX.
currently. My credit reports have XXXX different amounts that I 'm supposed to owe Santander.
|
| 06/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. It was financed through Chrysler Capital. The account number is/wasXXXX. I was a XXXX XXXX in the XXXX XXXX at that time and had let my father handle my finances while I was working in the legislature including paying bills such as this. My family learned he had XXXX XXXX XXXX in XXXX of XXXX and that he had not been paying my bills due to the memory issues. I immediately called Chrysler Capitol as part of trying to address this and other bill issue. The loan was 90 days late at that point. I explained the situation to Chrysler Capital, I paid to bring the loan current, including the late fees, and put the loan on an automatic payment plan. I was not told there was a problem with my loan and there was no effort ever made to repossess the vehicle. I made onetime payments for the next 3 years until XXXX of XXXX when I checked my credit and discovered that the loan had been charged off in XXXX of XXXX. I was never given any notice of this or any opportunity to pay off the vehicle, refinance with another lender or otherwise correct the problem before there was a charge off. There was never any attempt to repossess the vehicle. Yet Chrysler reported the loan as charged off for 2 years, did not report anything for an additional 3rd year and had the balance listed incorrectly. All the while they were accepting my onetime payments and making interest off the loan while at the same time writing off the loan on their taxes. This greatly impacted my credit score and my ability to get a home loan. I tried, unsuccessfully, to get the matter corrected. All they did was to report the additional months of the loan being charged off and corrected the balance to show the lower amount from 3 years of on-time payments. That actually made my credit score worse. I ultimately paid off the vehicle in XXXX of XXXX to avoid further negative reporting. They should not have been able to both charge off my loan and accept payments onetime for 36 months after the charge off and report my loan as charged off each month. They basically got to double dip by getting the loan payments and interest - on time and got the tax write off for charging off the loan while negatively affecting my credit all that time and for the foreseeable future. I am seeking to get the negative reporting removed as the I was never given notice the loan was charged off, never given the opportunity to sell, pay off or otherwise prevent the charge off and I made the onetime payments for the 36 months after the problem occurred.
|
| 04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills.
The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!!
No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess.
I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado.
Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have had a loan with Santander ( A PREDATORY AUTOMOBILE LENDER ) since XX/XX/XXXX. It is now currently XX/XX/XXXX. The amount initially financed is currently the amount owed plus. ( at least XXXX is still owed ) I have made close to 30 plus payments and all of my payments are going to interest. I have had extensions, i have a due date change, i have paid late, i have paid current, i have paid on time, i have paid before time, i even split the payment up in half and still had the payment in on time. Nothing i do is making the principle balance go down. I work for Sandtanders competitor and i see accounts on a daily basis that have a pay history that is worse than mine, more extensions, higher apr and per diem and their principle balances are going down with every payment. I have had to recent complaints with Santander and each time nothing is explained. the only thing they want to explain to me is simple interest finance, and i understand SIF i work with it, however they way this company has me in the loan i will pay off this loan 3 times in a half before its paid off, if i make two more payments i will had paid the vehicle off one time. This is a predatory loan, no one can give me an amortization schedule informing me if i pay on time this amount should go to principle and this amount she go to interest, no on can give me this information, again all they will explain is interest. Something is not right, its not fair, i am doing what i am supposed to do. my payment each month is round off XXXX, the last time i spoke to an agent she inform me that i would need to pay XXXX $ plus some more to bring me current, yet when i logged into the system i was current. I was informed that i have to pay my regular payment, plus i need to pay the interest that has accrued within the month that i was n't even due. I am being penalized daily for being on time, with the amount of interest that is accruing by the time my payment is due my car payment would need to be increased. I am tired of speaking to people that state they understand my concern yet will not do anything to see why these payments are not being allocated properly. When i drove off the lot, i had no idea how this loan would work, i thought if i made my payments on time, make extra payments, pay before time, the principle would decrease. Even with the extensions and due date that should have been moved to the end of the loan my payments should be decreasing. I need someone to look into this and see what the problem is. because i am not getting any results from Santander.
|
| 06/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I write you on an issue that Im having with Santander Consumer USA financial institution on auto loan established on XX/XX/XXXX at {$18000.00} not to include the interest involved. Just this past year of XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX I was behind on the auto loan three months and twenty days the most leaving the car in repossession status. In the month of XX/XX/XXXX on the XX/XX/XXXX the car was repossessed I notified Santander Consumer USA which to hear the vehicle was in its possession, I was also informed what I need to pay in order to gain back possession of car. Now I want to inform you that the car was repossessed before in the year I believe XX/XX/XXXX and was able to gain back possession of vehicle at agreed dollar amount which later led to a so call modification agreement of loan XX/XX/XXXX at {$5000.00}. But after the repossession in XX/XX/XXXX I inquired of both principle/payoff balance on the auto loan at $ XXXX/ {$4000.00}. I was inform on the XX/XX/XXXX the {$2600.00} was need to give car back in my possession but on the XX/XX/XXXX I was told I had to pay {$2900.00} covering delinquent charges on auto loan, interest, and repossession charges. I paid the {$2900.00} on the XX/XX/XXXX with credit card afterward was told after payment is processed balance of loan will be adjusted on account. Now monthly payments was still be given ranging from {$300.00} to {$280.00} a month onward although the monthly agreed note is {$280.00}. I do recall in XX/XX/XXXX calling Santander Consumer USA disputing the payoff balance at {$1200.00} and claiming they havent yet charged the account the towing charged which led into another dispute, because after Santander Consumer USA repossessed the car on XX/XX/XXXX over ten days have already passed when I respond with the payment needed to gain back possession of the car. The auto loan has already been paid off and what on the account is the claimed towing charge of {$790.00} but someone ( s ) within Santander Consumer USA is manipulating the account by seeking false financial gain as it hold title to car. So I ask for your involvement to prevent future hassle as I see inaccurate balance change to account after paying {$190.00} on the XX/XX/XXXX bring the {$790.00} to {$590.00} which Im not seeing that balance reflecting the payment. The truth of the matter is I struggled to get to the end of completing my payments with Santander Consumer USA and someone ( s ) within the business sees this but seeking false financial gain is not the way to do business with the public.
|
| 01/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected.
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report
|
| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
Reference CFPB Case No : XXXX The Complaint was never answered within the 30 days to your agency, they failed to comply because they knew they had commited all the violations as claimed and proved by me consumer XXXX XXXX, I don't know what to do do since I am a senior citizen and XXXX XXXX XXXX veteran, can you help me attached is the original complaint, FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act. If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older. ( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities. ( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
|
| 06/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have been having an ongoing problem with Santander Consumer USA reporting inaccurate/fraudulent information to XXXX. This account has been closed and paid in full since XX/XX/XXXX. On XX/XX/XXXX I got my XXXX credit report and it showed late payments listed in XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ) ( proof uploaded ). I called XXXX spoke with a Supervisor for over 2 hours and they said they only report what Santander provides them. They put in a dispute and said I needed to call Santander directly. I called Santander and spoke with an Executive Manager Representative, she was baffled as to why my credit report would be updated to show late payments after the account was closed and paid and full. I provided her with my credit report showing the inaccurate fraudulent late payments. She said that's not what they reported and worked diligently to get those removed. Due to those fraudulent late payments added to my credit report it caused my score to drop 20 points. It took a few weeks and those late payments were removed for the XX/XX/XXXX credit report, it only reported one late payment XX/XX/XXXX ( 60 days late ). Then on XX/XX/XXXX more fraudulent late payments were added to my Equifax credit report again listed as XX/XX/XXXX XXXX 60 days late XXXX, XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ). I called XXXX again explained the issue for hours, they just put in a dispute and told me to call Santander again. My score dropped tremendously once more. It was eventually fixed on XX/XX/XXXX showing only a late payment in XX/XX/XXXX ( which is also inaccurate ). When I check my XX/XX/XXXX credit report it now shows late XX/XX/XXXX and XX/XX/XXXX. I called Santander to dispute this new late payments and asked to speak to an Executive Manager. I was told that I would receive a call back within 3-5 business days, but have yet to receive a call back. This reporting of inaccurate late payments being put on my credit report and then being taken off has been going on for years. This issue needs to be rectified once and for all with the deletion in entirety. Proof of each of the months that were mentioned from XXXX XXXX credit report has been uploaded. I uploaded XX/XX/XXXX as well to show how it was only reporting XX/XX/XXXX and XX/XX/XXXX late prior to the XXXX issue, but in XX/XX/XXXX there was only XX/XX/XXXX late payment. How these late payments are being reported to XXXX are being sent arbitrarily with no one knowing how or why its being reported that way.
|
| 03/27/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX, along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim.
In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate.
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA.
Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements.
The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX.
|
| 11/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I cosigned on a car for my ex for a XXXX XXXX XXXX. He refinanced the loan as we had went our separate ways. On XX/XX/2017 a payment for {$18000.00} was paid. When the new financial institution called they got the payoff on XX/XX/2017 that was good through XX/XX/2017. The check was received by XXXX XXXX on XX/XX/2017. At the time my ex thought the loan had been completely paid off, since he had asked for a payoff. When the new financial institution wrote the check to XXXX XXXX, they did not figure in the interest for that gap. I received a call on XX/XX/2017 stating the payment was late and would affect my credit score. A payment of {$300.00} is what was left on the account. I was told it was due on XX/XX/2017. I had previously called in to be sure the loan was in good standing before this, and I was reassured it was. I have NEVER been late on a payment. When speaking with XXXX XXXX I pleaded with them on what I needed to do for this to not impact my credit score. I was told I would need to have the payment made today, as the reports are not sent until month end. I was told if it was taken care of within that week, I would not see a negative impact. I hung up the phone and called my ex and he made the payment that day. After he called, I called back in to confirm payment was showing in process and paid. I was told on the phone that I did not need to worry about it affecting my credit, that a note would be made on the account and it would be taken care of without a negative impact. They completely lied to me. My credit now shows a late payment when I did exactly what was asked of me and within the same day. I did not stretch it out or let it slide. I wrote XXXX XXXX a letter asking for a one time forgiveness and explained the situation, they would not grant it. The reasons why I was unaware about the loan was I had confirmation from him it had been paid off, which is why I did not realize there was a balance. XXXX XXXX stated that the other financial institution would have to write a letter stating their mess up, even though they know exactly what happened even though the loan was always timely and only with them for a year. I do not even know who the new financial institution is, as I am not on the loan. I would just really appreciate a one time courtesy from them as I was the cosigner and I would've taken care of it sooner had I been made aware. I feel that they waited to be able to penalize me and intentionally drop my credit score. For someone who always pays on time this extremely frustrating.
|
| 11/30/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting.
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes.
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period.
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments!
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise.
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this.
Please assist. The consequences of this on my credit score are far more impacting than deserved.
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.
|
| 08/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill.
On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it.
On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill.
Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).
|
| 08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
|
| 07/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On or around XX/XX/2022 I received a response from Chrysler Capital XXXX Santander Consumer USA , Inc with threats of " repossession '' which would be a crime of embezzlement Definition : Fraudulent taking of personal property by someone to whom it was entrusted. Most often associated with the misappropriation of money. Embezzlement can occur regardless of whether the defendant keeps the personal property or transfers it to a third party.
Historically, embezzlement became a crime because thefts were occurring in which the elements of larceny could not be met because the thief had the right to possess the funds ; thus, the prosecution could not prove the element of a trespassory taking. Meanwhile, proving embezzlement only requires showing either that the employee had possession of the goods or funds because of the employees position or that the employee had the authority to exercise substantial control over the goods or funds. Courts determine the question of substantial control by considering the employees job title, job description, and the practices of that particular company. Some states also have fraudulent conversion statutes, which provide for the criminalization of actions that border between larceny and embezzlement. The government can also charge individuals with attempted embezzlement.
Methods of embezzlement differ. Some embezzlers skim off the top so that they continually acquire a small amount over a particular time interval. This method reduces the likelihood of being caught. On the other hand, some embezzlers steal a very large amount of the goods or funds on a single instance and then disappear. Sometimes company managers under-report income to their supervisors and keep the difference.
The Internal Revenue Service requires that embezzlers include embezzled funds in their yearly income taxes. Upon returning the funds or paying restitution, the embezzler becomes eligible for a tax deduction. Failure to report embezzled funds as gross income can result in the bringing of tax evasion charges.
Companies have created safeguards to protect against embezzlement. For example, they invented cash registers to ensure that gross sales equal the deposit at the end of a given day. Companies also divide duties between levels of employees as a form of oversight. Embezzlement in the face of split duties adds the difficult requirement of forming a collusive arrangement and likely requires split proceeds, lowering the payoff for each member of the arrangement.
See White-collar crime.
|
| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I am writing this complaint because I am not comfortable with the way I am being handled as a consumer and a Natural person. Per my request to Santander Consumer USA I advised them in writing that I was mislead and mistreated on the day I purchased my dream car with a out of state dealership. I notified Santander in writing and sent the notice by certified mail which was signed for ; expressing my concerns with their company. The contract took effect on XX/XX/2021 and I have been struggling with this complaint since! I spoke with a representative due to a returned XXXX on XX/XX/2021 a whole month later! She advised me that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call today XX/XX/2021 by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Santander is in violation of is 15 USC 1662 Which states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was what the finance company forced me to place a down payment before taking possession of the vehicle. The rep advised me this was NOT against the law which is incorrect!
15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing.
At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind was also not provided to me in writing or verbally I am demanding this contract to be null and void.
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I have purchased a vehicle through XXXX XXXX XXXX dealership located at XXXX XXXX XXXX, XXXX, CA XXXX. The vehicle sold to me is XXXX XXXX XXXX ( VIN # XXXX ) in used condition for the total price of {$11000.00}. I have also traded in my previously owned vehicle, XXXX XXXX XXXX, worth {$2100.00} for {$1200.00} value that the dealership has set for it. Despite the lack of credit I had at the time of purchase & my young age, XXXX XXXX XXXX dealership locked me into a loan agreement with Santander Consumer USA, the only finance bank that has approved me for the loan. Santander Consumer USA has utilized their own internal score generated to approve customers that were at high risk to default on their loan, such as myself. Specifically, XXXX XXXX XXXX has attempted to approve me for multiple different finance banks during the sale process, all of which have denied me in return due to my lack of credit & no option of cosigning, except for Santander Consumer USA. Although I was approved for the loan, I was locked at an outrageously high interest rate of 25.81 %, resulting in a finance charge totaling {$11000.00} over the 6 year course of my loan repayment.
I firmly stand by the fact that this is a perfect example of predatory lending. Both parties - XXXX XXXX XXXX XXXX & Santander Consumer USA were completely aware that I was absolutely ineligible for the loan approval & was at an extremely high risk of defaulting on my loan, yet I was approved with the help of an internal score ( that I was unaware of ) that Santander Consumer USA has generated as was mentioned. The unscrupulous sale tactics performed by both parties have led to the ending result of me being stuck in a lengthy contract with a shockingly high interest rate & an overall potential risk of defaulting on my first loan ever.
At the time of my vehicle purchase & contract signing, the finance department of XXXX XXXX XXXX dealership has advised me to refinance my car after 6 months of purchase. This was one of the many deceits that were utilized to persuade me into the purchase because when I have applied for refinancing, I was firmly denied due to my low credit score.
Since I wasnt able to refinance, I have attempted to seek other options with Santander Consumer USA to which they havent been able to assist me with. Their response to my dire financial situation was once again utilizing fear tactics to ensure I remain on the loan & maintain my payments somehow, without a concern of how that would be managed on my end.
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me.
The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession.
I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this
|
| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler Refuses to report the true correct up to date accurate information on my credit Report and while doing so has violated many laws including but not limited to the FCRA, Banking law of North Carolina, and UCC- 9-616.
I Started off by sending my notice of my request for a listed number of documents for Chrysler to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note On the XXXX of XXXX Chrysler mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.
The Account Transaction that I received from Chrysler Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation.
In my initial contact with chrysler I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed.
This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
|
| 09/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/2013, I cosigned for a vehicle for a boyfriend on mine. The loan is through Santander consumer USA at 26.29 % for the amount of {$11000.00}. I ended parting ways with this said boyfriend and long story short, I have had the vehicle and have been paying on it for most of the loan. I have requested several times for them to send me statements, they never have. I finally figured out how to log into my account on their website ( trying to figure out how to pay off the loan ) and I noticed that my balance as of today is still at {$11000.00}. Confused, I looked at the payment history and come to find out, over the course of 3 years they have only applied {$160.00} towards the principal of the loan. To date I have paid {$10000.00} in interest. They charge a late payment fee of $ XXXX/month. I have been late on several payments and of course there have been some really rough times. There were several times in the life of this loan I have called them and made payments larger then my payment amount and have even asked their representatives if I was caught up. Their answer had been yes, so I did n't think anything was majorly wrong. When first contacting them about my discovery, the first representative just kept telling me it was because I was usually late on my payments. I ended up getting transferred to a manager and she placed my complaint with their " presidential office. '' I asked for that number and she refused to give it to me, however I did get it in an email, and I spoke with them today. I asked several times why they have never applied anything to my principal and his only answer was that it was how I was making the payments. He argued with me for probably an hour. I tried to get him to see that with the interest that I 've paid to date that they were not charging me the 26.29 % interest that is in my agreement, that in fact they have charged me close to 89 %. All I got was the same answers. I asked him how much they have charged me in interest ( $ ) for the life of the loan so far. He only said that their systems do not calculate that and that all he could see was the amount that I 've paid in interest. I 'm behind on a payment again and I 'm torn between letting this car go back or not. I do n't want it to hurt my credit more than it already has, I ca n't get answers out of them, they are not willing to work with me. I asked that man today what he suggests I do in order to get the vehicle paid off, his response was the only way I could would be to make two payments a month.
|
| 09/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
Leasing agreement with Chrysler Capital of XX/XX/XXXX.
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule.
The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX.
In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly.
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas.
XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well.
The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account.
When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end.
I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus.
The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX.
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated.
She asked me to send a copy of the confirmation, which I did.
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect.
I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well.
I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault.
It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house.
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX.
My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX.
Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due.
I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information.
I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX
... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect.
I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.
|
| 08/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
fraudulent contract, excessive interst, predatory loan, interest rate is against the law per NY State I spoke with a manager concerning my interest rate on this loan taken out XXXX. I was told that because i purchased this vehicle in the state of Texas my interest rate was % 19 I explained to the gentleman that i did not purchase the vehicle in Texas i purchased the vehicle in new York State and that this interest rate was against the law in my state. I spoke with the attorney general office and was advised to notify Santander that the rate and contract was considered predatory lending and my contract also shows that i purchased the vehicle in NY State. i have never been to Texas nor have i ever resided in Texas. this contract is different from what i have however this deal took place over the phone and via bank wire so i do not know what was submitted on santander 's end. I also explained to the attorney general that this is a $ XXXX loan and i still have a balance of $ XXXX that exceeds % 20 interest. at % 20 percent i would have paid $ XXXX in interest and have a balance near $ 16k at this day in time. this figure shows that my interest is over % .30 percent. I was informed of the class action law suit form XXXX XXXX and that my proof of purchase and this interest as well as the fact that this is known as a Simple loan which are not legal in the state of NY makes this contract null and void and per the attorney general i should start this paper trail to provide evidence that this company will do the usual and not remedy this problem. Once i have the evidence that the issue is not resolved knowing that Santander has an illegal contract and terms. To escalate this matter through the attorney generals office and law suit.This interest has caused great hardship and the main reason my payments fell behind. I have proof i did not purchase in Texas. I have proof my contract shows I purchased in New York state. the attorney general has proof this loan type and contract along with its interest is illegal In New York State and Lastly this company has violated the FDCPA by attempting to collect a debt and they are not licensed in the city of XXXX to do so. Per the Attorney General you do not need a license to collect in the state of New York Unless you are collecting in XXXX New York and XXXX XXXX XXXX. I reside in XXXX Ny. This company must be licensed to collect from me and since they are not they have violated my rights for over 2 years and i legally have a separate law suit.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The, below, is a copy of the letter previously sent to Chrysler Capital, with all personal information deleted, explains the situation.
Good morning : My name is -- - and I was a very good customer of Chrysler Capital when I bought my son, a car on XX/XX/2015. " XXXX '' got his car because we honored our word that if he worked hard to get good grades in high school, we would get him a car. XXXX kept his word and so did we.
When we bought " Son 's '' car from XXXX in XXXX, MI iXXXX XXXX, we signed a contract with XXXX and gave our word that we would make timely payments on the car over a certain period, and for doing so, we would get to keep the car and obtain a great credit report from Chrysler Capital. We kept our word, never failing.
At the same time, we bought " XXXX '' car, we bought GAP insurance. Under the control of XXXX, our salesman, the GAP Insurer, chosen by XXXX, was XXXX, ( See Exh. # 1 ). We had no idea of the abject HORRIBLE reputation XXXX had for NOT keeping its word to protect its customers interests. ( See Exh. # 2 ). Before paying our claim, XXXX gave us the same deplorable run around experience they, seemingly, gave all their other customers.
Unfortunately, my son totaled his car on a snow-covered road sometime thereafter. Thank XXXX he was unhurt. When that happened, we expected XXXX to honor its word to pay the GAP insurance on a timely basis. XXXX, did NOT honor its word, lost information and asked us for the same information multiple times.
As a result of XXXX terrible record of paying claims I received a very bad credit report from Chrysler Capital. Despite my continued calls and communications with Chrysler Capital that XXXX was using every possible delay NOT pay my claim, Chrysler Capital reported me 90 days late and a Charge-off. The GAP insurance was eventually paid by XXXX but the damage to my credit was already done. This has bothered me for the last two years. I kept my word and was damaged despite having no control over the outcome by a GAP insurer chosen by XXXX.
I do understand I have arbitration rights ; however, I am asking Chrysler Capital to do what I believe is right. I was a customer that was NEVER late with a payment because my credit is important to me. PLEASE consider removing all deleterious information from my account.
If you would like to contact me, my email address is XXXX and my cell number is -- - The VIN associated with this account is -- -- and the last four of my SS # are -- -. Thank you.
Sincerely,
|
| 11/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. Santander never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and Santander. XXXX XXXX XXXX has sent me everything they have from my file with Santander. Now Santander violated the O.C.G.A. 10-1-36.
10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election.
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part.
In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
|
| 02/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I made an auto loan inquiry on XXXX. I was seeking offers, and assumed that any companies I was matched with would only do a soft-pull for pre-approval purposes. That is what I understood from my previous dealing with XXXX. I received a response from a company which identified itself as Roadloans, and when I logged on, it said it had approved me for {$53000.00} at an interest rate of 7.42 %. I had only inquired about an {$18000.00} loan. It identified my Application ID as XXXX. I then received call from Auto 's Only, a dealership located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that Roadloans had shared my information with them, and had approved me for a loan to buy a car there ( although they also said that they would try to beat those loan terms ). I did not want Roadloans to " approve '' me for a loan, and I certainly did not want them to share any of my personal information with any third party or parties. Concerned that Roadloans had done a " hard pull, '' I called Roadloans at ( XXXX ) XXXX ( because the website said " [ online ] chat unavailable. '' On XXXX/XXXX/16 ( Pacific Time ) at XXXX XXXX., I spoke with XXXX, who confirmed that Roadloans had done a " hard pull. '' I told her that I had not wanted that to occur. She informed me that lendingtree allows them to do that, and that is how they operate. When I asked with whom I could dispute that, she gave me the following information : XXXX ( Santander Credit Disputes ). She stated that Santander was the parent company. When I asked, I was told both businesses are headquartered in XXXX, XXXX, and that both do business nationwide. I tried calling that number for Santander, but a recording said the business was closed. I went to the XXXX website ( which I learned was the CRA with whom they did the hard pull when I made a second call to Roadloans and spoke to XXXX ). I see the hard pull from today, XXXX/XXXX/16, but there is no " dispute '' button for such an action on the XXXX site. In sum, I did not want a hard pull of my credit. Before anyone did that, they should have conspicuously informed me that they might do that, and given the option to specify that I did not want it to occur/was not interested in the specific product ( here, a ridiculously high loan amount at a ridiculously high interest rate given my current " excellent '' credit rating ). Also, I did not ( and do not ) want my personal information shared by Santander/Roadloans with third parties, including dealers, as they have done.
|
| 12/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, XXXX my truck was stolen from the XXXX area at a friends house. I notified my insurance company XXXX which referred me to my gap insurance since I only had liability on the XXXX truck. I was notified by XXXX XXXX XXXX XXXX that they had my vehicle and acquired it on XXXX XXXX, XXXX. I immediately notified the Gap Insurance company who said they would send adjusters out to assess damages and next steps and that I could check the website for updates. the lot would only hold my truck until XXXX XXXX, XXXX according to the notice, I informed the insurance company of this as well. Around XXXX XXXX I contacted the lot where my vehicle was being held to inquire of the adjuster had been out since there were not any updates in the system and time was running out. I was informed that the lien holder came to pick up the vehicle on XXXX/XXXX/XXXX. I received no information for the lien holder as to the status, I forgot to mention during this same time frame, end of XXXX I received an email for the gap insurance company that they would not be paying a benefit because they got a report that the vehicle was repairable.
On XXXX XXXX, XXXX I got an alert from XXXX that my credit report has changed, that 's when I learned that Santander had listed my vehicle as a repossession. I had the loan for approx. 2 years and I have never missed a payment even through vehicle being stolen. When I contacted the company I learned that the truck was going to auction on XXXX XXXX and if I wanted to get it I needed to pay {$1500.00} at this conversation it was around XXXX XXXX they claimed they sent out a notice which at this point I had not received regarding their intent to sale the vehicle. I did get a notice of a certified letter on XXXX/XXXX/XXXX. My issue is I am being penalized for my vehicle being stolen, and to call it a repossession after never missing a payment on the vehicle is absurd their explanation is because they picked up the vehicle form the lot it was a repossession, I could have very well picked up the vehicle if it was n't for the fact that I was told by the gap company to wait for an adjuster to go out, they can call it anything else but a repossession does not represent me or what happen in my circumstance, not to mention the damage it will do to my credit I have been working on for an entire year!
I do n't know where else to turn and Santander is not even considering changing it from a repossession, Please advise on what I can do -- Thank you so much.
|
| 09/04/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Shopping for a loan or lease
|
|
Web |
|
|
XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!
|
| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.
|
| 02/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Hello CFPB, I need your help!
In short, and I have included more information attached, I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and never notified me. I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner.
Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of.
I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake.
Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action.
Please help me fight against this bank and make things right!
XXXX XXXX XXXX
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The company that complaint is being filed against is Santandar Consumer USA which financed my XXXX XXXX XXXX. Due to challenged credit spouse prior bankruptcy this was the only company we could be approved for Car was purchased in XXXX XXXX I put down XXXX My first payment was due XX/XX/XXXX and for the entire year of XXXX XXXX payment was on time paid through XXXX XXXX XXXX XXXX and was paid before the due date.Loan was also current in XXXX except for one missed payment in XX/XX/XXXX.I became unemployed XXXX XXXX due to a reduction in force my position was eliminated. I did contact Santandar by mail to let them know.I was still making payment every month one month my check was returned so the next month I made 2 payment. My unemployment ended XX/XX/XXXX, XXXXOnce again I was emailing faxing and mailing letters to Santandar but never received a response. Have not been receiving statements since last year. My last 2 payments were made on XX/XX/XXXX by check and XXXX XXXX payment. I did confirm with my bank that check did clear my account. On XX/XX/XXXX my car was repossessed at a shopping mall. Was never sent any correspondence When I finally tracked down the company where my car was located I was told they were closed for the day at XXXX I was also told I needed a personal property release form faxed to the recovery company to pick up my vehicle .When I contacted the recovery company on Fri XX/XX/XXXX I was told I needed to set up an appointment and that the first available appointment was not until Monday because they dont take same day appointment. When I spoke to Santandar on Thur and asked why nobody had contacted me they said I was on a cease and desist list and I requested not to ne contacted? Well that also means they cant send me Any letters. I told them I made no such request only for them not to contact my Brother in law. They quickly apologized and took me off the cease and assist. I recently disputed a item that Santandar reported to XXXX XXXX that my account was not current. I just received the update when my 2 payment were posted and my account status was updated to current When I went to retrieve my car and belongings on Mon XX/XX/XXXX I was told that Santandar would not release my vehicle. Was told by a supervisor that my account balance was charged off on XX/XX/XXXX and the only way to get my vehicle back was that I had to pay the entire, loan balance off or get it refinanced?? And that Santandar does not refinance there own loand
|
| 04/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
CFPB Office of Administrative Adjudication.
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from Santander Asking to collect a debt. Because of this I placed a call to Santander to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. Santander failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to Santander and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. Santander has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by Santander and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with Santander 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with Santander will dramatically ruin your credit.
|
| 05/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX in XX/XX/XXXX jointly with a friend of the family. The car was a total loss as of XX/XX/XXXX. The insurance issued payment in XX/XX/XXXX which brought the principal balance down to roughly {$8000.00}. Santander recalculated interest and modified my payment. I filed the claim with GAP ( which later I learned should have been handled by Santander, but they dropped the ball ) and the Gap company, using the payoff date of XX/XX/XXXX, paid the remaining balance. I was then told by Santander that I had a $ 500-ish balance because GAP didn't cover all the fees. I contacted GAP company for clarity who advised that they did in fact cover all the fees and that they paid according to the payoff. I chaulked it up to a loss, and asked Santander to modify my payment with the new principal balance, that way I could make affordable amounts on the account without falling behind, since I had to finance another vehicle. They told me that the first modification was a courtesy and they were under no obligation to do another so they couldn't help me. I have called repeatedly trying to figure out what the $ 500ish amount was. One person told me it was a payment that wasn't made, etc. etc. I have not gotten a straight answer from them and now my credit, along with the joint debtor 's credit, has taken a hit. In my review it looks like they, even though they received a the insurance payment and the GAP payment, still expected me to make an additional payment and I don't understand where that payment is coming from. The maturity date on my loan still says XXXX, but they never adjusted the payments to spread them out over that time period. Not that it matters, because I wouldn't take that long to pay it, but it would make it easier for me to manage right now. I am very suspicious of their accounting practices and lack of ability to answer questions or disclose information. I can understand having some lingering interest charges one both insurances paid out, but enough to equal another payment seems ridiculous to me, especially when they would have received their GAP insurance payment much quicker if they had done their job. I shouldn't be punished for their inability to perform their job adequately. I made a {$400.00} payment today which leaves a {$140.00} principal balance, however the payoff is {$710.00}! I dont understand the amount of fees they keep adding to this loan. It seems like they don't want me to be able to pay it off.
|
| 08/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have tried several attempts to resolve this issue with Santander. Santander seems to be overlooking several aspects of my claim. As of today XX/XX/XXXX I have received the tittle to my XXXX XXXX, however have not received any additional funds that were overpaid. Santander overcharged me thousands of dollars, repossessed my car illegally and continue to overlook the situation. If this is not resolved and the money is not refunded, I will have no choice but to pursue further legal action against Santander for Consumer Fraud. 1. On XX/XX/XXXX- The principal owed on the account was XXXX XXXX. ( see attached letter confirming ) the original payment amount was {$380.00} not {$380.00} per the documentation provided by Santander, again a clear sign of consumer fraud. 2. On XX/XX/XXXX the loan was modified based on a balance that was grossly overstated - the modification stated that the Principal balance was {$18000.00} ( see attached letter ) On XX/XX/XXXX when the account was transferred to Santander from XXXX the principal balance was $ XXXX.Santander overcharged me by {$2800.00}. This is a clear fraud. 3. On XX/XX/XXXX the account was modified to lower the initial APR from 13.89 % to 10.14 %, however Santander claims that this was incorrect. How can this be incorrect if Santander confirmed receipt of the modification agreement. ( See attached letter ) the new amount should have been {$270.00} instead Santander charged me {$380.00} The vehicle was repossessed on XX/XX/XXXX a payment of {$1200.00} was made via cc on the evening of XX/XX/XXXX. The car should never have been repossessed. The difference of this was {$1800.00}. plus the repossession fee of {$460.00} for a total difference of {$2300.00}. It is not my problem if Santander fails to keep accurate records. I was offered a modification on XX/XX/XXXX the modification was received by and accepted by Santander. Santander has clearly committed fraud by overcharging my account almost {$6000.00}. If Santander wishes to overlook this I will file a consumer fraud lawsuit against them, where as they will have to pay triple damages including my attorneys fees and cost. It is to the best interest of Santander to settle this as soon as possible. I will further send this information to the Attorney Generals Office for review. As a settlement I am willing to accept {$5000.00}. I have provided all the necessary documentation to prove the fraud that has been committed by Santander. Thank you -
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen.
All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest.
XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me.
On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit.
I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.
|
| 07/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
|
I was a former customer of XXXX XXXX XXXX XXXX XXXX, Nevada located at XXXX XXXX XXXX XXXX XXXX. I am XXXX years old and this dealership has done business with me in the past, but i never had an issue with a purchase. A sales man name XXXX XXXX of that dealership and i was pushed into a car i did not want. I was told i was getting a much cheaper vehicle than the one i was pushed into. I was told to take the car but my reply was i have to think about it, and 3 days later i show up and i was pulled into the managers office and was approved for a loan i didn't understand being told by XXXX XXXX, and this so called manager of the dealership.
This what i believe to be, Predatory lending which targeted me and other minorities, the poor, the elderly and the less educated. Seeing that i was denial 5 times by other lenders including my own bank at XXXX XXXX I was rushed to sign the paperwork with promises that i will have a low car payment and was told by XXXX XXXX that because i worked for XXXX i can make my car payment in one week. Which is not true, I'm XXXX year and can not move like a XXXX-year-old kid anymore.
When i received the car and 3 days later after having the vehicle in my possession i did not want this car and i wanted my trade-in vehicle back plus my {$3000.00} cash that came from my savings.
Then they made me sign a document for an additional payment of {$23.00} for repair if the car breaks down this will cover all cost, but it wont change my oil or wipers.
Now i have 15 days as per the Nevada DMV to get my trade in back.
and this is what the website states at https : //dmvnv.com/regdealer.htm *Trade-In or Sale to a Dealer* If you are trading in a vehicle or selling one to a Nevada dealer, the dealer is required to satisfy any loan or lien within 30 days. Other states have similar laws but be sure to ask an out-of-state dealer when the lien will be satisfied. The dealer may have you sign a Power of Attorney or similar document if you do not have the title.
Nevada dealers are required to keep your trade-in until the financing on your new vehicle is finalized ( up to 15 days ). They must return your trade-in if they offer you different financing terms and you decline to accept the new contract.
Keep your license plates. These must be used on another vehicle or surrendered within 30 days. You will be issued a credit for the unused portion of the current registration.
This is unfair to an XXXX year old man.
|
| 05/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Santander Consumer USA is notorious for predatory practices and allowing lenders to give false information about their customers so that they get approved for a car.
It may seem good for people with bad credit, but they intentionally target these sub-prime customers so that they can give you extremely High Interest rates and make you have to make payments on a car that total far higher than the car is worth.
Santander Consumer USA approved me for a car loan of a brand new car back in XX/XX/XXXX which I found out was a Lemon.
Within five years the transmission on the car Santander loaned me had broken down totaling over {$2000.00} worth of fees to fix. Along with the car auto shutting off whenever I drove over 25 miles per hour.
The brakes had problems and wouldnt work too well within the first week of driving the car. The car would also squeak loud whenever I turned a corner the very first week, and still does 5 years later. Along with the XXXX XXXX XXXX XXXX XXXX having tires that I had to special order online, there were 6 times I had to replace the serpentine belt.
I am on year 6 with this car, and it just overheated and started smoking randomly on the road. Ive spent over {$580.00} just on mechanic fees this month.
Ive also paid over {$17000.00} to Santander Consumer USA for a car thats priced around {$12000.00} to get it brand new.
The worst part is that Santander Consumer USA only marked my total payoff balance down from {$15000.00} to {$12000.00}.
Five years of paying car notes that total up to {$350.00} monthly ( excluding car insurance ) and my credit report is worse than it did before I had this Santander Consumer USA loan on my account.
They also call and harass me every day and ruined my credit report by saying I was 3 months due on late payments when Ive already paid off the car.
I should be getting a title for my car sent in for my Santander Consumer USA car loan being fully paid off, but instead Im getting harassment calls everyday from them, along with an extremely high false payoff balance and their false late payments Santander listed on my credit report made my credit report drop over 100 points.
The amount of stress, worry, low self worth, XXXX, and feelings of hopelessness that came from Santander Consumer USA is torturous and I just wish this car loan, would be accurate and show my loan to be completely paid off and removed from my credit report so I can live my life freely again.
|
| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a new vehicle on XX/XX/XXXX. It was financed through Chrysler Capital ( account # XXXX ) with a loan for {$57000.00} On XX/XX/XXXX I made a {$300.00} payment toward the loan ( check # XXXX ). On XX/XX/XXXX I made a second payment for {$300.00} ( check # XXXX ).
On XX/XX/XXXX, I was informed that the dealership made a mistake reporting the VIN number and I had to sign additional paperwork.
On XX/XX/XXXX there was a written conversation with XXXX, a customer representative with Chrysler Captial. I asked her about the status of the account change. XXXX informed me that " if the VIN is wrong, we will simply update the VIN when the document is received. '' I scheduled a third payment for XX/XX/XXXX for {$600.00}, this time through Chrysler Capital 's website ( confirmation # XXXX ).
Chrysler Captial then created a new account ( # XXXX ), with the right VIN number, and reflecting an opening balance of the original loan XXXX {$57000.00} XXXX. They did not apply my earlier payments, nor informed me what had happened with them.
On XX/XX/XXXX, I called Chrysler Capital with a customer service representative name XXXX ( ID # XXXX ) who state that the transactions had been " reversed '', and the payments were sent to the dealership. XXXX could not back up this statement with any confirmation numbers or check numbers. I called the dealership 's finance department and spoke with XXXX XXXX, who stated that the dealership had not received any funds from Chrysler Capital, but he would look into it.
On XX/XX/XXXX I called Chrysler Capital and spoke with XXXX ( ID # XXXX ). This time I got a different story. XXXX stated that a check was sent to me on XX/XX/XXXX for {$600.00}, and another was cut on XX/XX/XXXX for {$600.00}. Both checks, he said, were addressed to me at my home address. He could not provide check numbers or confirmation numbers for either transaction. He did make a request to re-send the XX/XX/XXXX payment since I had not received it yet. He had no comment on why I was told that it was sent to the dealership by the last person I talked to. Nor why the last representative did not have the same information he was privy to.
At this time I have yet to receive my fund back. And I keep getting conflicting or incorrect answers from their customer service department. I have no trust or confidence in anything they are telling me, which makes it extremely difficult to make decisions on when or if I should pay them.
|
| 08/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions.
So I borrow {$1700.00} from family members so I can make the XXXX payment.
On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so.
This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ).
XXXX
|
| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XXXX - I was new to the USA with no credit history. Santander Consumer USA offered me a loan at an APR of 27 % for a {$14000.00} XXXX XXXX. I was paying on the car, never missed a payment. In XXXX I had to move out of the country full time due to a family emergency which had me living overseas for 3 years. I voluntary surrendered the car in XXXX and the car was sold for {$8000.00}. I also up until then had paid almost {$5000.00} which was primarily in interest fees with a 27 % APR. In total they had made over {$13000.00} on a XXXX XXXX XXXX.
I am currently back in the USA and am looking into purchasing a new car and was denied due to Santander Consumer USA 's charge off on my credit report. I then read that they are in a XXXX dollar settlement and are required to remove and forgive all debts from consumer 's credit reports. I sent a letter to have the debt validated and they did not validate the debt, I sent a letter trying to settle the account and did not receive a response and yet they still continue to report a balance to the credit bureaus on an account that has been charged off since XXXX. I resided in a state that is included in the settlement and have yet to receive any documentation regarding the removal of the account from my credit report.
I have called Santander executive offices and have just been passed around, I have sent letters to the credit bureaus requesting to have the debt validated and to no avail.
This is my last resort in getting Santander Consumer USA to make a move. I live in a state with extremely harsh winters and I do not have a reliable car. I do not have the luxury of waiting on Santander to make a move. Santander has literally financially scarred me and I am just now realizing how inhumane a 27 % interest rate is.
I have offered to settle this alleged debt and they neither denied or accepted the offer. Not even a response validating this debt.
I would like this removed from my credit report on the sole basis of what was agreed upon in the settlement offer. I am not asking for money from the settlement, I am simply wanting this removed from my credit report and the alleged debt forgiven due to their unfair credit practices.
You have made money on this XXXX car. Why do you insist on keep punishing me?? Why do you insist on practicing unfair business practices despite having a lawsuit against you? The market is saturated why do you insist on collecting on a charged off account?
|
| 05/28/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}.
I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.
|
| 10/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX, I visited XXXX XXXX of XXXX XXXX, VA. I was softly in the market for a new car. I found a vehicle I was interested in, and a salesman pressured me into seeing if I could get approved for financing. I live on a fixed, SSI XXXX income so I was concerned about over-extending myself. They got me approved for financing, but I was still skeptical due to the high monthly payments. It was a Saturday, so the salesmen told me I could take the care home and see how I liked it. By Sunday morning, I knew this was something that I didn't want to do. First thing Monday morning ( the XXXX ), I returned the vehicle to XXXX XXXX. The manager and salesmen were very angry with me, and told me I had to take the car. I told them that I had the right of rescission, and was well within my rights to return the vehicle and change my mind. After all, because it was the weekend, the paperwork had not even been sent to the finance company yet. I left the vehicle at the dealership in their possession. I assumed the issue was resolved at that point. Over the next several days, I was overwhelmed with phone calls from reps at XXXX XXXX saying that I had to come back to the dealership and pick up the car. I held steadfast, and told them that I had changed my mind, and did not want it. I had returned the car to the dealership within 36 hours and was well within my rights to do so. Again, I believe the issue to be resolved. To my surprise, the dealership actually delivered their car to my house on XX/XX/XXXX. I called the sheriff 's office about this, and asked them what I should do. They told me I should just take it back again, if I did not want it ; and that's what I did. I returned the vehicle again ( that same day ) and left it in their possession. Again, I thought the issue was resolved. Recently, I received a letter from a finance company called Santander talking about my interest rate on a car loan. I had no idea what this was about. I called them, and sure enough, this was for the car from XXXX XXXX. I explained the whole situation with the rep at the finance company, and they said they would make sure it was resolved. So despite returning the vehicle to the dealership before they even submitted the finance paperwork, and them knowing I did not want the car, the submitted the financing paperwork anyway. I can't believe the lengths that this dealership would go to try to force someone to buy a car they clearly did not want.
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased a 2008 XXXX XXXX from XXXX XXXX XXXX in XX/XX/XXXX and my car loan is through Santander Consumer USA. At the time of purchase, I didnt have any established credit and my APR was 26.42 % with a car payment of {$550.00} per month. My credit improved in XX/XX/XXXX & XX/XX/XXXX and I tried refinancing for a lower interest rate with Santander which they wouldnt allow. I tried refinancing with other lenders as well and was denied because the loan was upside down, owing more than what the car was worth. In XX/XX/XXXX, I was terminated from my job and I was using my unemployment money to pay my car payments as best as I could. On XX/XX/XXXX Santander repossessed my car and when I called to find out the necessary amount to reclaim my vehicle, I was informed that I was 3 months behind which should have been at the most {$1600.00} but instead I was told that I would have to pay {$3900.00} ( please see attached statement ) in order to get the car back. On XX/XX/XXXX the car was sold at an auction for {$4000.00} and the remaining balance of {$15000.00} is owed. Much to my surprise, I recently reviewed the attached transaction history and for the past 4 years I see that my car payments were being applied to the interest and I still had the same balance due of {$19000.00} which is the original amount financed in XX/XX/XXXX. Also, according to the transaction report the amount that the car sold for was applied to the principal balance and the amount of {$15000.00} is outstanding. I am shocked to learn that NOTHING had been applied to the Principal balance until the car was sold. Also attached, are the XXXX XXXX XXXX reports which show that the car was worth {$4000.00} when I purchased it and {$3100.00} is what its worth now 4 years later. Based on the amount of {$4000.00} Santander received from selling the car in XX/XX/XXXX, plus the inflated monthly car of payments of {$550.00} Santander has recouped the value of the car and then some. Not to mention, according to the attached Sales Contract with XXXX XXXX XXXX had I been able to make all the car payments due under the sales agreement I would have paid {$40000.00} for a car that is only worth {$4000.00}. Santander is a predatory lender that takes advantage of people like me that have no clue about interest rates, that have no established and/or poor credit and desperately need a car. Please help put an end to Santanders predatory and disgusting lending practices.
|
| 12/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA
|
| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time.
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere.
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.
|
| 03/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX XXXX XX/XX/2022 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom It May Concern : I am writing in regards to my vehicle loan which was purchased by Santander Consumer USA from the original lender, Gateway One XXXX. The communication prior to the sale of the loan from both, Santander Consumer USA and Gateway One XXXX was deficient. In fact, it was non-existent. The only way I knew that the sale had occurred was via a monthly statement I received from Santander Consumer USA, which I originally thought to be fraudulent.
I called Santander Consumer USA to inquire about the statement and was told that Gateway One XXXX was no longer in business. A representative from Santander Consumer USA helped me set up my account. I was told that the terms & conditions of the loan had not changed, it was still a simple interest loan contract. However, this proved to be a false statement. The previous lender allowed me to make via Automatic Bill Payment, {$700.00} monthly payments. The extra {$16.00} was always applied as a principal-only payment.
The representative also stated that they were not allowed to withdraw more than the exact amount due each month ( {$680.00} ) if I used the Automatic Bill Payment method. They did say that I could send in a separate check that would be applied to the principal. However, this also proved to be a false statement. I mailed in XXXX checks : # XXXX in the amount of {$50.00} and ; # XXXX in the amount of {$50.00} These checks were to be applied as a principal-only payment yet, both were applied to interest and principal ( see attached statements ).
In closing, I would like the simple interest loan to be exactly as the original loan agreement I signed at the dealership. I would like any and all over-payments of {$16.00} applied to the principal from the date that Santander Consumer USA assumed the loan. This will be retro-active with interest compounded at the current APR of 6.99 %. Additionally, I would like the original documentation Santander Consumer USA received from Gateway One XXXXl showing the loan amount they sold. Furthermore, I would like the corresponding information from Santander Consumer USA showing the identical loan amount was passed on to the consumer with statements showing the application of funds. Thank you in advance for any help you might be able to offer.
Respectfully, XXXX XXXX XXXX
|
| 01/18/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received a letter/statement from Chrysler Capital on XX/XX/XXXX stating recurring payments have been disabled and to contact them at XXXX. My account is ten days delinquent. Also stating that I have no valid working phone number ( but I have had the same phone number since XX/XX/XXXX ). The statement said that the principal balance is {$240.00} and pay off is {$240.00}. Every single payment to them was made on time with no problems from my bank. I did not shut down the auto payment and neither did my bank. Chrysler Capital admitted to me that it was them that cancelled the autopay when I talked to them on the phone. I looked forward to that last payment and was glad to have it done or so I thought. I bought another vehicle on the same day from another dealership with a different loan company. I now have title in hand for it with a very nice farewell note. I am still fighting these people and have no clue why. In talking to their representative, her name being XXXX, I was told that I had to send them {$240.00} within ten days or they would report me for debt collection and report me to credit bureaus. I sent the check in that day in the exact amount that they demanded. On XX/XX/XXXX I received another letter from Chrysler Capital stating that they appreciate my payment. However the payment did not satisfy the entire balance on my account leaving a remaining balance. On the date of the letter, my remaining balance is {$11.00} and is good until XX/XX/XXXX. If I do not send the amount in by that time my balance may change if remainder is not sent. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ( in bold caps ) My question is do I have basis for complaint? If I send this new amount, can they just keep tagging on debt and it will never end? Where is my wrong in this or my mistake? I promise you that I was not once late on a payment to Chrysler Capital.
This is very stressful especially at this time since I have been quite ill for several weeks. Please help me. I know it is not a huge money amount but it is wrong in every way to me and I feel it should be illegal. Will it ever end? How can I make it end?
I have copies of the letters they sent to me.
First letter has my account number as XXXX and second letter has my account number as XXXX. How can this be?
Thank You!
XXXX Please contact me at your convenience.
|
| 10/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had an auto loan as a co borrower with Santander Consumer USA for a XXXX XXXX Infinity M37x I had made about 1 year worth of payments as I was driving this car from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I informed Santader that I no longer wished to own this veichle and that I would like to surender the car. Santander informed me that I was unable to surrender the vehicle because at the time I was up to date on my payments and that I had to be at least 90 days " past due '' before they would reposses the vehicle. I explained to Santander that I did not want the late payment information on my credit nor did I want to continue to insure the vehicle for this period. Santander informed me that they would not accept my surrender. I then had the vehicle towed to XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX ( XXXX ) XXXX and informed Santander of the location of the vehicle and that they would need to retrieve it from there.
Under XXXX law a transfer of a vehicle title may only occur if the primary lien on the title is satisfied. Santander supplied a lien release letter to whom ever sold this vehicle my attached documentation shows that this title has been tranfered to XXXX XXXX leasing and finance in XXXX, XXXX. Santander continues to report my balance with interest and penalties as if this sale never took place to all three credit bureaus. Santander takes no collection activity on this account. Subsequent to the sale of this vehicle as well as currently, I have contacted Santader to try and resolve this if any additional money is owed but they refuse saying they never sold the vehicle which is false. Santander is committing fraud by reporting innacurate information on my credit reports. Further more they are trying to receive money from me in the amount of approximately {$29000.00}. Santander should have sold this vehicle for approximately {$27000.00}. Santader has charged me unfair interest and penalties which would account for the other {$2000.00}.
As a resolution I want this item deleted from all three of my credit reports. I also want the erroneous interest and fees returned to me. I would also like action to be taken by the government to ensure that these unfair practices do not continue. Santander has done everything in their power to punish me for not wanting a car. The car was in excellent condition and a much simpler resolution could have occurred. They are unprofessional and predatory.
|
| 12/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.
|
| 07/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
MY COMPLAINT I got my car repossessed while I was with my family in Oregon. She was told she has until this Friday, XXXX XX/XX/2018 to pay a total of {$1700.00}. My grandfather committed to give her {$900.00}. The best way we could figure to do that was for us to login to the Santander payment website and make a payment by electronic check. We made the {$900.00} payment by electronic check from my grandfathers credit union in XXXX, Oregon. His account information shows the payment. My online account shows the payment. But customer service people with Santander will not honor the payment even though they have the money. I dont know what you call this but I call it theft. They have taken our money and they will not honor the transaction we have entered into. They continue to harass me and refuse to release her car for the balance she owes above the {$900.00} that was paid. I have {$850.00} which is the balance they indicate she owes, but they will not take it and release her car. I plan on still making that payment so that I can prove that they are a crooked.
Santander has multiple complaints with the XXXX XXXX XXXX. Several people have complained that Santander does not release and send their title when they have paid off their loan. XXXX should vet their lenders and not subject their customers to a terrible lender like Santander. Santander has essentially stolen our money and XXXX has facilitated this.
SANTANDER CONSUMER USA 'S RESPONSE They keep insisting that with their reinstatement policy that they need to see the bank statement showing the amount of money coming out of the account. My grandfather is not comfortable sharing that information when the funds have already been verified and released. On top of it all they stated to me that they do not accept payments from third parties, which is a flat out lie, because I have had a boyfriend maybe several payments for me in the past. In any case if that is the case they do not accept third party payments then they need to refund the {$900.00} that was paid to them to go towards my principle, instead they told me they CAN NOT refund the amount and they WILL NOT apply that towards the reinstatement process. Over the course of the 30 min phone call the man on the phone continued to get more and more volatile with me stating I can get the vehicle back if I pay XXXX with my debit card. My issue is I paid {$900.00} so the remaining balance is XXXX
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX month in XXXX the car was finance at XXXX XXXX ( XX/XX/XXXX ) 26 % interest rate. I have calculated every payment sent to Santander Consumer USA total XXXX as of today. Every payment I made my balance was getting higher not lower. The payments I push I still made payments that month. Santander taking my payments placing them toward the interest of loan or split payments. Some payments I will send certified checks for XXXX still balance not going down requesting extra payments go to principal. Santander say I owe another XXXX plus another 6payments will be {$2900.00} payoff is XX/XX/XXXX. There is a class action lawsuit against them taking advantage customers giving high interest rate. Knowing you will default on loan, file for bankruptcy, late payments, and or vehicle be repossessed. I constantly have file disputes with all 3 Credit bureaus because Santander has reported several time my payments are late when they wasnt. Hurting my credit scores. Just recently my credit was close to XXXX. My credit went down 21pt because Santander reported my payment late for this month and last month. That was corrected but I'm still suffering. XX/XX/XXXX Santander still was saying I owe XXXX. I have send 3 certified letter requesting a audit on my account with audit lawyer. Santander still havent returned my phone calls. Santander threat with certified letter to repossessed the truck final payment XXXX the final payment do not match what is owed XXXX.
Start sending extra payments XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX Total payments I made XXXX as of XX/XX/XXXX Santander agent XXXX I spoken to on XX/XX/XXXX I requested again audit on account. She states that I paid on record call XXXX interest XXXX principles XXXX late fee Payoff XXXX remaining XXXX total payment on a XXXX car XXXX finally given me information for class action but I learn when I called I wasnt added. Santander has Loan Forgiveness and Car Title and Deficiency Waivers which they are not giving me information about it.
SantanderconsumerUSA.com/topic/agsettlement.com class action lawsuit New pay off date XX/XX/XXXX XXXX Balance as of XXXX XXXX
|
| 02/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy.
Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it.
He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later.
After trading in my XXXX the price actually went up to appx {$32000.00}.
The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of.
I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car.
I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!?
Mind you only 3days went by.
Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX that im included in the $ XXXX Multi state class action settlement.
So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount.
Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX.
Numbers DO NOT LIE!
In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below..
Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.
|
| 05/10/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.
|
| 03/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..
Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues.
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck.
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster.
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. Santander Consumer USA has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get Santander Consumer USA to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my memory and confusion. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is Santander Consumer USA. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
|
| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Its been 2 and a half years trying to get a new car or even a car at that under my name XXXX XXXX Ive never been able to get a vehicle I wanted my credit was always an issue and I never knew why until this year XXXX when I was searching for another vehicle I would think my credit was pretty good by now since Ive paid off majority of my bills and debt. Went to XXXX XXXX in XXXX XXXX ( where Ive leased vehicles before ) and never had an issue getting the vehicle but this time in particular my credit mustve been ran 6 times I do not know why! So now my credit has gone down a lot and still not in a vehicle I get a call from XXXX XXXX stating that no one will finance me due to having XXXX vehicles under my name! The car in question was a XXXX XXXX XXXX XXXX which has since been sold of in an auction. I begin to investigate calling both XXXX ( my policy holder ) and Chrysler Capital but No one seemed to know what I was asking for it was the XXXX XXXX letter Chrysler was supposed to send to me when the car was paid off by my insurance XXXX. I had totaled the XXXX on XX/XX/XXXX was paid off in XX/XX/XXXX but still not removed from my credit report I have always wondered why my interests and XXXX was always soo high my credit had been ruined due to the high amount I was paying for cards and other types of things. As of now I have called a total of XXXX calls to Chrysler and XXXX calls to XXXX I was forced to get a vehicle cause i needed one to take my XXXX boys to school as I am a single father and now I am paying XXXX a month for a car i didnt really want. Ive been hung up on transferred to different departments and just lied to saying I would receive an email and letter from Chrysler Stating that the loan was paid off. I was transferred to an executive whom did not want to give me their name which baffles me all that the executive said was it will be off by tomorrow fast forward another 4 days and 10 calls later still have no answer and no emails stating they sent out the email with the lien satisfaction letter. I need this to work I am mentally tired and stressed and I cant take much more of this. please help me settle this issue. Its very unprofessional of way I am being treated by a company I was paying a loan on. Again its been 2.5 years and no one seems to know what happened. I also can attach all the calls I have documented and informed about my issue with no resolution
|
| 08/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
My husband and I filed for bankruptcy in XX/XX/XXXXafter the XX/XX/XXXX crisis so that we could avoid foreclosure on our house. Shortly before we purchased a vehicle from XXXX through XXXX ( which was bought by Santander I believe ). We did not include the car in the bankruptcy because we were not behind and wanted it to count toward our positive credit. However, sometime in XX/XX/XXXXSantander decided it would move our loan to their " bankruptcy department '' once they found out we had filed. Shortly after, I was locked our of my online account, and I did not receive any bills through the mail as I did before. I also did not receive any emails about my monthly statement. I had to call and make payments, which seemed very suspicious to me and was not something I consented to when I purchased the car using their services. I slowly phased out making payments, and my last payment was XX/XX/XXXX in the amount of {$500.00}. After that, I was frustrated with the lack of help in understand the restrictions on my account, and the amount due, that I stopped paying. It was at this time that the car was ruined by a mechanic who replaced the timing chain and subsequently an error in their work wrecked my engine. They failed to admit responsibility, so I poured money and time into filing complaints and looking for a lawyer, and didn't think twice about Santander.
This past XX/XX/XXXX, Santander called my husband and said they were repossessing the vehicle. I had never received a notice from them about the amount owed or my account. The operator claimed that they could not find the car ; this was a lie as we have lived in the same location for nearly 7 years. Also, the car had been inoperable for the past 2 years. They came at night and got the car, damaging our driveway as the car 's engine had locked up and therefore the tow guy had to drag it.
Today is XX/XX/XXXX. I am on hold with them. I asked the operator to verify the last bill I was sent. I've been on hold 15 minutes waiting for an answer. She will be sending me a list of all my payments. I have a letter (XX/XX/XXXX) stating that I broke a promise and will owe them whatever is left after they auction the car ( which they did so onXX/XX/XXXX ).
I am an intelligent person ; this seems ridiculous. I do not plan on paying a dime without a fight. Please help me do so.
PS - I will also be filing with the XX/XX/XXXX in NC.
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have sold my Crystler Capital lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to Crystler Capital which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my XXXX score by roughly under XXXX points.
I called Crystler Capital to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what Crystler Capital wanted to be written on the letter.
Once the final iteration was completed after XXXX included all the information that Crystler Capital asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that Crystler Capital asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by XXXX score. Crystler made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know Crystler Capital has mostly one start reviews and this was just a prime example of why.
I have been emailing all the information to a personnel, XXXX who was handling the credit information to Crystler Capital credit department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from Crystler Capital even though it wasn't at my fault.
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my XXXX score.
This delinquency was only reported to XXXX and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with XXXX.
I have also attached below the letter I have sent to XXXX for the dispute with all the related information.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ).
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via XXXX XXXX* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXX* XXXX* XXXX XXXX/XXXX XXXX*XXXX Interactive XXXX
|
| 07/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am a co-borrower on a new vehicle purchase loan financed by Santander Consumer USA. Monthly payment for auto loan is {$550.00}, and I have been paying this amount monthly since signing of the financing contract on XX/XX/XXXX. I was involved in a motor vehicle collision on XX/XX/XXXX. My vehicle suffered substantial damages and was towed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed Notice of Pending Lien Sale with Department of Motor Vehicles Lien Sale Unit. Documents produced by Santander indicate that notice of lien sale was received by clerk # 1 on XX/XX/XXXX and clerk # 5 on XX/XX/XXXX. However, Santander failed to take action, and the subject vehicle was sold at an auction. Santander is clearly at fault for allowing the subject vehicle to be sold. I am no longer able to drive the vehicle but have been continually making the {$550.00} monthly payments, because Santander agreed to cease and desist from further collection activities, but has been refusing to stop reporting delinquency to credit bureaus, despite the fact that I am no longer able to drive the subject vehicle. Also, Santander is insisting that it still holds the right to enforce the contract in which I am obligated to make payments on the vehicle, although the vehicle has been sold due to Santander 's fault, and I do not have a vehicle to drive. My counsel of record contacted Santander and spoke with XXXX XXXX ( Santander Consumer USA Specialized Services Evening Manager ). He stated that he will inquire with Executive Department to request deleting of my automobile financing account so that Santander will no longer report any delinquencies to the credit bureaus. Also, he stated that I will receive a response within approximately 48 hours. My counsel sent an email confirming the details of conversation, and requested delivery and read receipt. XXXX XXXX sent read read receipt on XX/XX/XXXX at XXXX XXXX. Then, on XX/XX/XXXX, my counsel of record sent another email following up regarding Santander 's decision. XXXX XXXX did not send any read receipt in response to this email to date. Today is XX/XX/XXXX, and it is XXXX XXXX. I was expecting an updated response, but Santander is being non responsive. Also XXXX promised to forward the all correspondence to Santander Legal Department. I have not received any read receipts, updates, or any type of acknowledgement or response since XX/XX/XXXX.
|
| 06/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through.
We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession.
I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report.
She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled.
I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount.
So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus.
How can they leave it in that status if they are continuing to accept my money?
How can they call it closed or charged off if they accept my funds still?
I would like them to update my report going forward to show the current status and status going forward.
I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report.
I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.
|
| 10/18/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
- A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A CHRYSLER CAPITAL, Inc., et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A CHRYSLER CAPITAL, Inc., et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
-CHRYSLER CAPITAL is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Chrysler Capital is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
-When CHRYSLER CAPITAL accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to CHRYSLER CAPITAL from the trust. If CHRYSLER CAPITAL does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ).
-If CHRYSLER CAPITAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make CHRYSLER CAPITAL criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o.
- 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. Also, the payment history was different on all three credit reports and XXXX and XXXX allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).
|
| 05/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XXXX XXXX I received a refund check from Santander Consumer USA. The check stated the refund was for my XXXX XXXX XXXX I financed with them in XXXX XXXX The check was in the amount of XXXX with a check date of XXXX XXXX XXXX . I calle d Santander Consumer USA to verify that the check was accurate because I paid my car loan off with them on XXXX XXXX XXXX . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on XXXX XXXX XXXX . On XXXX XXXX XXXX I deposited the check and spent the money. On XXXX XXXX XXXX I received correspondence from my bank advised that my account was charged back for the check in the amount of XXXX and a XXXX dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by Santander Consumer USA. I contacted Santander on XXXX XXXX and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within three business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On XXXX XXXX XXXX I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with one more person. On XXXX XXXX XXXX I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in XXXX dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check. The business responded by saying they would not be reissuing the check in the amount of XXXX but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on XXXX XXXX XXXX
|
| 11/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a car accident in XXXX XXXX, XXXX. Had a total loss on the vehicle. Car insurance carrier paid {$30000.00} to Santander Consumer, the lender. We 've done our part by communicating between the lender, Gap Insurance and the XXXX dealer. We 've faxed all the documents needed. We have n't heard anything from Santander until the 2nd week of XXXX. I was alarmed to find out that our Gap Insurance has n't paid the remaining balance owed to the vehicle. I asked the Representative, a male, as to why we are just informed now after three months. He basically told me that they ca n't get hold of our Gap Insurance company after so many attempts, and that 's why they 're now contacting me. I called Gap Insurance Company and asked them of the progress. I was told that the documents they received three months ago were not eligible to read, so they could not proceed with the claim and they do not communicate with the lender or the customer. We made several phone calls between Santander and the dealership for the next two weeks. Then on XXXX XXXX, XXXX at XXXX, I received a phone call from the Santander call center. I spoke to XXXX and I was told that they received the Gap Insurance payment and all they 're waiting now is for the dealer to cancel the extended warranty service that we purchased on the vehicle. The next day, I had to go to the dealership to take care of it personally. While at the dealership, the finance manager looked up our account and discovered that our policy has been cancelled and only the lender can do that according to her. And a payment check of {$540.00} was sent to Santander on the XXXX XXXX while Gap Insurance sent the check on the XXXX. Santander failed to communicate with us in a timely manner. Because of their incompetence, we are being punished by reporting our account delinquent. If you talk to one Santander rep, it will tell us another. It seems like the other hand does n't know what the other hand is doing. We 've tried calling Santander several times asking them to remove the late report on the 3 credit reporting agency but until now, nothing has been done. So, I will not own the delinquent report on my credit reports because Santander in the first place, failed customer service. They have my email, contact number to call or home address but they never updated us of the status of the claim until three months had passed.
|
| 11/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.
|
| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX La XXXX and the bank Santander Consumer USA for a XXXX XXXX XXXX.
I payed a {$1500.00} down payment and agreed on paying $ XXXX for XXXX term of 72 months starting XX/XX/XXXX.
On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called Santander to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. Santander claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails.
I hereby confirm that I have not received any calls from Santander. I also did not receive any mailing correspondence from them, and that after confirming with UPS they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email.
Santander submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX.
I believe these claims are invalid because of the following : XXXX I did not receive any correspondence from Santander regarding this.
2- Santander did not have my correct mailing address or my email.
3- efforts should have been made to contact the dealership to get my correct contact information.
Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car.
Santander have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against Santander. I have no problem in paying the monthly installment as I am a physician and I work at MD XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that Santander did not reach me either via email, mail or phone to get the correct credit card number.
Please feel free to call me at XXXX to discuss further if needed.
Thank you so much
|
| 05/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXX XXXX obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX with XXXX XXXX. Upon signing the loan, we were not informed of the vehicle service contract sold with the vehicle. After several complaints about the additional amount, the vehicle service contract remained on the loan.
Four months later, on XX/XX/XXXX, the vehicle was involved in an accident, where it was totaled by the insurance company, XXXX. Upon totaling the vehicle, the claim check for {$19000.00} from XXXX was not credited to XXXX XXXX 's account until XX/XX/XXXX. I filed a complaint with Georgia 's Department of Insurance regarding XXXX 's hesitation in paying the claim to Santander Consumer USA.
The vehicle service contract was also cancelled and the refund was XXXX XXXX XXXX was told on numerous occasions by Santander that the check had not been received, even when she called Santander on XX/XX/XXXX. After numerous complaints and phone calls to XXXX XXXX and Santander Consumer USA, a letter was faxed to Santander by XXXX XXXX on XX/XX/XXXX informing them of the check sent to Santander by XXXX XXXX dated XX/XX/XXXX. Please note the vehicle service contract was cancelled on XX/XX/XXXX. A copy of the check was also sent in the fax to Santander. After speaking with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX informed XXXX XXXX that the check was cashed by Santander on XX/XX/XXXX. XXXX XXXX called Santander again on XX/XX/XXXX and was informed that Santander did receive the check for the cancellation of the vehicle service contract. She indicated that it takes 30 to 45 days for it to post to the account. It was very unprofessional for Santander to receive the check and not inform XXXX or XXXX XXXX.
I feel it is wrong for Santander to receive the check, deposit it and refuse to post the payment. That is very unethical. XXXX XXXX has endured late fees and interest charges for the month ( s ) that Santander withheld the payments and refused to credit the accounts. It appears that this happened with XXXX and XXXX XXXX 's payments, totaling approximately {$21000.00}. Even until this date, XX/XX/XXXX, the check from XXXX XXXX still has not been posted to XXXX XXXX 's account although the check was cashed more than 10 days ago. This is unfair and unethical. The manner in which Santander does business should be investigated.
|
| 07/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
SANTANDER CONSUMER USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
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.
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased a car from XXXX XXXX XXXX who got me a loan at the dealership from Santander Consumer USA. XXXX XXXX and Santander both facilitated an unfair, and high rate interest loan to me, and thousands of other buyers according to XXXX XXXX, the Attorney General of Massachusetts. The US Department of Justice is also investigating. Santander along with XXXX XXXX funded my loan without a reasonable basis to believe I could afford it, predicting I would default. Which is how I was able to get approved for a car with no co-signer, at the time poor credit, and making $ XXXX a year before taxes, and walking off the lot owing $ XXXX. Santander knew some dealerships had high default rates due to inaccurate iformation on loan applications, but kept funding the loans anyway. Which is how XXXX XXXX was able to " approve '' me, despite no other bank in the country, not even a buy here pay here deeming me credit worthy. Some of the dealers were even identified as " fraud dealers '' in a class action lawsuit, but continued to fund I have been in contact with Santander numerous times in the past couple years, and they are sticking to their word as they do not settle, and they have done nothing wrong, even though they have settled, and admitted wrong doig, and their CEO stepping down, in the midst of this whole illegal act which caused the 2008 recession. I was picked up from my apartment and taken to XXXX XXXX in XXXX, GA from my place in XXXX, GA, about 20 miles away. With the intention on buying a XXXX XXXX, at a monthly payment of {$250.00}. They even took me to XXXX XXXX, to retrieve the {$2000.00} down payment. When I get there " they just sold the XXXX, '' but there was a XXXX XXXX available for a little cheaper price. Once credit application was switched to the XXXX, they came back and said my monthly payment will be a little higher because of credit. from {$250.00} to {$320.00}. approved with Santander, when no other bank would, because of the collusion that I would default. A the time of signing I was never told that interest would accrue daily, which was on the back of the contract and never went over that. Also in almost four years the purchase price of my car was {$11000.00}, I currently owe {$10000.00}. This because they believed me to default long ago, and if not I would continue to pay them past the 72 months I signed for.
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 04/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom it may concern, Last XX/XX/XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( XXXX XXXX ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then Chrysler Capital, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth XXXX less than what we paid for it!! ) just after 8 months making hefty payments, of XXXX more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into chrysler dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from Chrysler Capital showing paid as agreed, but with the wrong date of XX/XX/XXXX not XX/XX/XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. XXXX XXXX had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as Chrysler is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as Chrysler, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
|
| 07/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.
|
| 12/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint.
Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed.
Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper.
Thank you, XXXX and XXXX ( XXXX ) XXXX
|
| 10/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/2019, my vehicle was declared a total loss. On XX/XX/2019, XXXX sent out a total loss statement. On XX/XX/2019, XXXX reported that check had cleared for {$6.00}, XXXX. However, Santander USA Consumer reported that they had no knowledge of check being received. I, XXXX XXXX, had taken it upon myself to three way call Santander USA representative along with XXXX agent and finally, Santander stated that they had received the check but could not process it for 10 days.
XXXX, asked what was the reason for them to hold check, cash and not process until a week later, Santander responded that they had procedures to follow. XXXX ask Santander where they in receipt of Gap payment from XXXX XXXX, XXXX?
Santander representative acknowledge payment, however, again they were unable to apply payment.
For the next couple of weeks, XXXX, attempted to contact Santander regarding payment ; however ; Santander stated to XXXX that in order to apply payment, that Santander would need to take two of XXXX, past payments of XXXX and XXXX, delete them ( although funds where deducted out of XXXX bank account previously.
Santander USA Consumer stated that this was required in order for payments of XXXX and XXXX XXXX to be paid.
About a week later, XXXX received a letter from Santander stating that loan was under default for missing two payments. XXXX contacted Santander and ask how would loan be under default when over {$12000.00} was received. The agent research and stated it was an error and that the reason was because payments were deleted in order for insurance payments to be processed but for XXXX to ignore issue.
On XX/XX/2019, XXXX was notified by credit monitoring agency that two payments were missed for XXXX and XX/XX/2019? When XXXX contacted Santander and asked for an explanation, agent and manager stated that it was incorrect.
XXXX explained to Santander that there closing for a home is less than 30 days and the false credit reporting is jeopardizing XXXX future home.
The manager at Santander stated that in order to remove report, that XXXX would need to dispute claim. XXXX did not know why it was required since no payments were missed and large insurance funds received.
When XXXX replied of obtaining an attorney, Santander Manager stated that there Executive Manager would contact me within 24 hours.
|
| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies.
I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.
|
| 06/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/XXXX I went to purchase a car at XXXX XXXX XXXX in XXXX Tx. I was pre approved for financing under XXXX/ Santander and decided to use one of their prefer vendors. My deal was approved for financing up to {$34000.00} with an LTV up to 125 % of the deal. I went to the lot on XX/XX/XXXX to inquire regarding a 2013 XXXX XXXX that was price at XXXX $ that was over the XXXX value of XXXX $ ..Of course, the car was over the LTV of the loan, which then the sales rep needed permission to lower the cost in order for the deal to work. The final cost ended up being XXXX . Upon looking at my sales contract, i notice my interest rate was higher than my original approval. I originally contacted the dealership and was told that it was the right deal and that Santander approved this deal ; there was nothing they can do about it and my only option was to either talk to them about the terms or bring the car back to the lot. Upon calling up XXXX/Santander and receiving a screenshot of my deal from my sales rep that work my deal..I ask the XXXX rep if they could pull up the approval to my deal that was worked into a contract.To sum it up..there was two applications under my name in XXXX. My original deal ( which was approve ) was scrap in favor of a new deal being created that was more aligned to the dealership profit.There was no permission being given to recreate a new deal or even a need to create another app. I was already approved for a car loan with the terms being given to me by XXXX/Santander. Overall, i will be bringing back the car and unwinding the deal which i told my sales rep. I'm highly upset that even with XXXX/Santander being offer an approval on a deal, would allow dealerships to recreate deals that are favorable for them to bypass the fees attached to the deal in which the dealership has to pay or to front load the deal that would cause a consumer to be very upside down on a car loan. Who knows how many other consumers are affected by this process. Even though my deal is being trash, something has to be done. Consumers are not aware that some dealerships will recreate an entire new deal rather than using the approval deal with that same exact finance company. It's not right, it's not ethical and something needs to be done. This was a complete financial markup/ dealer reserve deal ; a 6 % interest rate markup.
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I do n't have any credit cards and a lot of student debt so, my credit score is not very high. My job is an hour drive from my home so I needed a reliable vehicle. My interest rate was 21 %.
I financed a vehicle for {$14000.00} in XX/XX/2012 with Santander Consumer USA. Currently I have paid them {$19000.00}. I have had some late payments which I understand can cause fees. I was looking to trade my car in because I am now driving a XXXX with XXXX miles to and from work for 2 hours every day and I have a small child who I would rather have in a more reliable vehicle. Checking the balances, I see my payoff balance is now {$13000.00}. This means over the past almost 4 years I have paid roughly {$1600.00} towards the principle out of the almost {$20000.00} I have paid towards the loan. If I pay this debt off according to their calculations, I will pay {$32000.00} for this car. There are numerous convenience and miscellaneous fees showing on my account.
With the interest rate given, and the amount financed, I should pay a total of {$22000.00} on this loan, currently leaving me a balance of {$3400.00} NOT {$13000.00}. I have been changed and extra {$10000.00} in miscellaneous, convenience and late fees. While already paying an outrageous interest rate this company is taking advantage of people trying to build credit, then also hiding and deceiving. I was told by Santander my options were to pay the $ XXXX dollars to own the vehicle or to have it repossessed, they would sell it and then I would still owe for the remainder of the balance they would not get from the sale of the vehicle, further destroying my credit. The people I have spoken to are unknowledgeable and often say the same thing which tends me to believe everything they same is scripted. If I am late on a payment, they call me roughly once an hour while at work.
What I want is to pay {$3400.00} to pay off and own this vehicle. That would be in alignment with my current loan and honestly that is still unfair, but is what I originally agreed to. I want Santander to remove all the errors on my account and all of the miscellaneous and convenience fees I was never aware were being charged. If this does not happen I am prepared to speak further to legal council about the laws they feel Santander has already broken. Thank you for your time and help in this matter.
|
| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic.
Thank you.
|
| 08/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.
|
| 07/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I bought certified pre-owned car at a dealer. They recommended Santander Consumer USA bank to get loan from. Interest rate was very high, that 's why I decided to pay more than specified in documents. I have consulted with bank itself that I will not have any issues or fees or anything paying more than specified. For the last 4 month bank has messed with : 1. My last name. I was not able to pay. They did n't respond & fix until I escalated an issue. 2. I still have incorrect last name in web app, as they ca n't do anything with it. 3. On XXXX I was not allowed to pay using ACH, only certified funds, because " You have paid too much ''. Yes I want to pay my debt in 1Y. I told that from the beginning. 4. Payment on XX/XX/XXXX was not partially applied towards principal even though I asked that ( " please use {$220.00} as regular payment for XXXX and {$1200.00} apply towards principal '' ). 5. I asked SECOND time in XXXX to do that the same manner. 6. In the middle of XXXX I found that I 'm PAST DUE. Even though I paid XXXX in XXXX, My regular payment is {$220.00} per month. My due day is XXXX of each month. My first payment was scheduled to be on XX/XX/XXXX. I keep track of all payments in XXXX file. Specifically to track this kind of fraud from banks. So these are my payments ( I have not included transaction numbers, but I have it ) : Date Amount Transaction No 1.XX/XX/XXXX {$1000.00} XXXX 2. XX/XX/XXXX {$1000.00} XXXX 3. XX/XX/XXXX {$1000.00} XXXX 4. XX/XX/XXXX {$1000.00} XXXX 5. XX/XX/XXXX {$500.00}? ( did n't write ) 6. XX/XX/XXXX {$1500.00} XXXX 7. XX/XX/XXXX {$1200.00} XXXX I always ask to use money following way : what is exceeding regular payment should be applied towards principal. The last payment made on XX/XX/XXXX was not applied at all towards principal. So I wrote SECOND time in XXXX. First, I 'm 99 % sure they EITHER did not apply {$220.00} for the last payment of {$1500.00} ( the one I asked to be even though I requested that ) OR possibly they applied it TWICE towards the same month XXXX. The last 1 % - I made a mistake and asked something incorrectly. For that last 1 % - bank has not notified me at all that this will happen. In addition to that, they said I 'm 19 days past due. Even though I paid on XX/XX/XXXX, which is 12 days past due! This is surreal and unacceptable. This all looks like fraud.
|
| 03/24/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX XXXX I requested a payoff of my XXXX XXXX XXXX that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from Chrysler valid through XXXX XXXX , XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on XXXX XXXX and was advised that the cashiers check had cleared on the XXXX of XXXX . I received a bill of sale from Chrysler Capital the week of XXXX XXXX along with the original title transferring ownership to me. On XXXX XXXX my mortgage broker proceeded to pull my credit and we found that Chrysler had reported me late for the XXXX payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take 24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On XXXX XXXX , XXXX I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to 4 different supervisors/managers and each one to ld me the XXXX department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be 24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the " XXXX '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.
|
| 05/21/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them.
Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''.
Did not gave me the opportunity to talk with any supervisor.
I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor.
Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account.
Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital..
They sold my car a XXXX XXXX XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount.
I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation.
She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK.
I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car.
And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.
|
| 08/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/19, I purchased a used vehicle financed through Santander Consumer USA. I was informed the first payment will go out approximately 45 days from date of purchase. On XX/XX/2019, I received the first statement in the mail a few days after the statement generated. The statement reads bill due XX/XX/19. I went ahead and paid my first bill in XX/XX/2019.On XX/XX/XXXX, a second statement is generated by Billing Dept from Santander stating the bill owed for $XXXX due on XX/XX/19. Although it states current on the bill. The amount of $XXXX is not been applied for the bill due XX/XX/19, for which was paid on XX/XX/19.I called and spoke to an agent who requested I wait up to a week for the billing department to fix the mistake. After 6 days, I called and was told it has not been fixed. On day 8 ( XX/XX/19) I speak to an agent who finally understood the issue but failed to ignore my request to have a supervisor escalate the issue. On my screen in shows PAST DUE as in delinquent on the XX/XX/19 due date. After 30 minutes on waiting on the phone, I spoke with Supervisor named XXXX. She put me on hold and then said: "Because you paid your bill 30 days earlier, we applied that towards your principal."I firmly stated that this was not my objective but to pay my first bill as it was sent out 30 days earlier from billing department and now I am being punished for paying my first bill due. Clearly not a valid excuse on Santander. I demanded my payment be accredited to my account as there is only 1 bill due and I paid it already. I ask them to fix my account and get it right the first time. After another hold, she returned by stating they need another 3-5 days to fix the mistake. She stated the first agent put in a request for a due date issue and not the issue of the erroneous mistake made by their own billing department with regards to my new loan account. Once again, I am at their mercy to do what is right and fix my account to accredit the payment made in XX/XX/XXXX to reflect the payment due for XX/XX/19.This is not ethical nor a legal transaction that has occurred but rather an unscrupulous attempt to con me into paying off principal at their discretion and ignoring the first payment for the new auto loan. I would like to proceed and continue to file this grievance to the fullest extent of the law.Thank you.
|
| 05/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), The Truth In Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). For years I made payment towards this debt when in fact I did not owe. I am the original creditor. Santander is not the original creditor. Santander is a debt collector 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ).
I extended my credit and filled out and submitted a credit application to create this debt. I used my credit card number on the credit application. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). For years I continuously made payments towards a debt that was already paid yet was harassed, threatened with late fees, potential repossession as a result of missed payments, etc.
At the time I created the debt my name was different. I have since had a legal name change. So the account associated with my SSN will reflect my former name.
I am enclosing a copy of a credit report which shows Santander reporting. I paid the entire {$10000.00} balance in full. If this matter is not resolved I will have no other choice but to file a civil suit against XXXX in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ).
I look forward to your full cooperation in this matter.
|
| 10/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Greetings. XXXX forgive me for taking out a car loan when I KNEW better. I was pressured emotionally in this loan by XXXX XXXX XXXX when I took my other car in just for an oil change. I'm now and then grossing {$1500.00} per month with a {$700.00} car loan. How were they ABLE to approve such a car loan on that amount of income with a 29 % interest rate? I HAD GOOD credit then and GOOD credit now and didn't NEED a " Second time around lender ''. After speaking to the Executive Department XX/XX/XXXX they had the asked me if I still HAD the vehicle in my possession. I legally do have the vehicle attached to my name and credit report and IN my possession... '' Yes ''. What am I supposed to do RETURN it so I can joyfully " ACCEPT '' a voluntary repossession on my credit report? No... NOT gon na happen. Well... when did this car loan BECOME a problem Ms. XXXX? It BECAME a problem when XXXX went through XXXX last year in XXXX and every month for 11 months. Starting in XX/XX/XXXX, I called into Santander requesting an extension and was actually granted them " Thank you Santander ''. Now this is where it gets ugly ... After stumbling amongst the lawsuit during the last week of XX/XX/XXXX I reached out to Santander and they told me to speak to XXXX XXXX. I spoke to XXXX over at XXXX Consulting for 30 minutes and he actually apologized that Santander DIDNT ADD me to their data base contingent upon my financial situation. I spoke to a Lawyer about my case and they advised me to just communicate and see what position Santander is WILLING to take. Well on XX/XX/XXXX XXXX in the Executive Department stated that Santander is a " second time around lender '' and good luck Ms. XXXX. Wait! What? I told them then what were my options by which to be added to the data base and because I still HAD my vehicle I wasn't qualified. Okay how about I just drop the vehicle off at the car lot and hope to XXXX they better NOT place a volunteer repossession on my credit report! Basically Santander knew they were in VIOLATION of consumer protection laws of high levels of risk with a high probability of default when they issued this loan! And NOW is the time to FACE the Piper! Either LOAN FORGIVENESS or be prepared to PAY ALOT more in Litigation because I wont stop until it reaches the President of the United States of America.
|
| 07/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
SANTANDER XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF CURRENCY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I originally had a car loan with Gateway Lending XXXX XXXX XXXX XXXX which closed down in XX/XX/2020 for their shady practices and sold to Santander. Well I had Santander prior, and they are not much better. I had my XXXX XXXX for 6 years and it was a very bad loan. My original cost for the car was {$23000.00}. I still owe $ XXXX and they have repossessed the vehicle. I did not really believe I owed Santander since Gateway posted a balance of {$0.00} on my account and credit in XX/XX/2020. Since they repossessed my vehicle two weeks ago, I have tried to call them to get it back by payment of the past due and fees and either they hang up, tell me I can get it and then the finale was the last yelling guy saying I could not get it back and demanded $ XXXX in two weeks. They are horrible people like Gateway and I can only imagine what others are going thru especially during these times. I want Santander to stop their harassment and horrible tactics to humiliate and degrade consumers. They ( Santander ) do not understand what us consumers have dealt with Gateway Lending prior. They will arbitrable state you were late and put fees on your account even when you were not ( gateway did this ). Many other consumers have echoed these complaints with them. It was hard to take a stand with them because they would just ruin your credit. I tried to inform Santander of these practices and also alert them of the lost of income which occurred this year. They did not care, they just took the vehicle and based my incorrect history with Gateway as leverage to deny me to get my vehicle back. They should know better with all of the class action lawsuits against them and the company they purchased Gateway. I never had a chance with the horrible loan I received and the horrible people I had to endure to try and get my car back. I needed to pay {$3700.00} by XX/XX/2020 and they will not allow me to get my car back! Instead they want a single mother like myself to go into debt with a vehicle that I will not own because they are the company and we are the little consumer. Shame on you Santander! I will let everyone hear the recordings of how your employees spoke to me during this time, during a pandemic and how you denied me the basic human decency to get my car back with a bad loan and bad companies like yourself.
|
| 07/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created
|
| 04/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.
|
| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
A coalition of 34 attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with Santander Consumer USA Inc. ( Santander ) that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default.
The XX/XX/XXXX settlement stems from a multistate investigation of Santanders subprime lending practices. In XX/XX/XXXX, the Illinois Attorney Generals office led the coalition in opening the investigation into the largest subprime auto financing company in the country after receiving an increase in consumer complaints related to subprime auto loans.
Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. I am a customer of this company and I am not happy about this. I seriously want out of this loan if they can do that. I am tired of the high interest rates as well. and they are not reporting my balance correctly to the credit reporting agencies. and they are reporting it as past due.
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I am filing a complaint against Santander Consumer USA due to these facts they report False information to the credit Bureau. First of all this car was obtained on XXXX XXXX 2014 with the payments being XXXX for 72 months with the payment due the XXXX of every month. And the first payment commencing on XXXX XXXX per XXXX request because they were having issues getting me set up on XXXX deposit and that was paid. on time. there was another payment that they received on the first but they did not cash until XX/XX/XXXX. They Reported that they were not paid XXXX From ABNB they received a check for XXXX which was false information I will attach copy of the check for the amount of XXXX that Santander Consumer USA cashed at XXXX XXXX Bank in Texas. Then they stated I made a payment in the amount of XXXX and it was a credit card charge back which was incorrect I sent them a cashiers check in the amount of XXXX and they cashed it XXXX XXXX. I will also send a copy of that check. for proof of that. There are XXXX credit bureaus and they have gave all XXXX conflicting information starting with XXXX they have it on my report as a repossession charge off for the amount of XXXX and stated that I never made a payment and I got the car XXXX 2014 and that it was taken in XX/XX/XXXX as a repossession. then they have it on my XXXX credit report that it was open XXXX XXXX, 2014 and they I only made 1 payment so it was a XXXX charge off paid in full. I will attach the title to my vehicle letting you know its not a repossession or a charge off. So then we did the figuring to this car loan with a high balance of XXXX and we subtracted the payoff amount that was quoted to XXXX on XXXX XXXX 2014 was XXXX and that brought the balance to {$440.00} then we subtracted the XXXX that they cashed XXXX XXXX which bought the balance to {$52.00} but they said I had and overage XXXX which I should have never received the overage because my balance was {$52.00} then But I was unaware of that. So If I owe Santander Consumer USA anything I owe them {$52.00} back because that check for XXXX was incorrect. I will attach documents to all information that I am stating. XXXX XXXX bought this car before XXXX XXXX because that would have been my next payment of XXXX but the Bank bought my car so they got the payout quote.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX and I am submitting this complaint on behave of myself. This is not a third party company. Date XX/XX/2020 XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020 and your report # XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX
|
| 09/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
We have continues billing issues with Chrysler Capital since we opened the loan with them. But now the vehicle has been involved in an accident and considered a total loss. The insurance company XXXX XXXX XXXX has been paid off the loan amount at or around XX/XX/2020 and our online account with Chrysler Capital has been closed too.
Due to the slow processing speed of Chrysler Capital on the insurance pay-off check which delayed the closure of the account, another automatic monthly payment of {$550.00} XXXX has been made to Chrysler Capital on top of the total payoff check from XXXX XXXX, meaning that Chrysler Capital owns us {$550.00} USD.
We have requested Chrysler Capital multiple times to reimburse the {$550.00} USD but they have not responded to that request and they have shown a very non-cooperative attitude in this matter.
Surprisingly, we also just received, without any previous notification, a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter dated XX/XX/2020. This letter states that Chrysler Capital accuses us of being in default of our contract and due to pay {$1100.00} before XX/XX/2020. Not paying will result in repossession of the vehicle and acceleration of the outstanding dept plus all accrued interest and other charges lawfully owing. The language is, as always with Chrysler Capital, very aggressive.
Nevertheless, the vehicle is already paid off and owned by the insurance company XXXX, who posses the title send to them by Chrysler Capital, and it is Chrysler Capital that owns us an {$550.00} XXXX overpay which they refuse to credit.
Several attempts to establish a normal and civilized communication to resolve this issue with Chrysler Capital have failed due to the incredibly incompetent and rude service representatives. They refuse to educate themselves in our case and simply threaten with sanctions. They also refuse to give us proper contact information to send statements to them so they can review the payments and conclude that Chrysler Capital is in default. Even the online statement indicates an overpayment although it shows an {$500.00} XXXX overpay which does not reflect the correct amount of {$550.00} XXXX that we paid.
Requests to speak to a supervisor or XXXX have been answered by simply disconnecting the call.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family.
I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it.
What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
|
| 09/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I financed a XXXX XXXX XXXX XXXX/XXXX/XXXX through Drive Financial XXXX for XXXX payments of {$650.00} first payment coming due XXXX/XXXX/XXXX. Total of payments at maturity would be {$46000.00}. Sometime thereafter, Santander Consumer USA bought the contract. My maturity should have been XXXX/XXXX/XXXX XXXX changed due date from XXXX to XXXX ) However, due to XXXX extensions/defferals ( job related issues, will elaberate when necassary ) it was changed to XXXX/XXXX/XXXX & all subsequent statements reflect that date. At the time of my XXXX XXXX statement, it showed that I still owed over {$10000.00}!!! Also, from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX XXXX 14 months XXXX my balance did not change!! I 've continued to make payments to avoid a possible repossession & as of my last payment XXXX/XXXX/XXXX they 're still saying I owe {$8500.00}. I 've added up all payments from my payment history & total monies I 've paid Sanatnder is {$49000.00} which is {$3000.00} over what my contract calls for!! Their contract reads that they can apply the payment to either the Finance Charge or Principal Balance or to any other balances I owe, " in any order they choose '' & it seems they 've done just that!!
I 've lived up to my committment on this contract & feel that I 'm no longer obligated nor willing to pay them another cent! I ca n't afford another vehicle & looked forward to paying off this vehicle to have breathing room within my budget! No matter who you talk to at Santander, they ca n't give any explanation & have no clue as to what 's happening & stick to some pre-written script to answer questions.
This company has XXXX complaints filed against them with the BBB XXXX XXXX XXXX XXXX XXXX websites just to name a few. Numerous suits have been filed, including the United States Dept. of Justice case that was settled XXXX due to violating the Servicemembers Civil Relief Act ( SCRA ), suits involving the Telephone Consumer Protection Act ( TCPA ). The list goes on & on!!! I 've contacted the Texas State Attorney Generals office & they seem blind & oblivous to this company. How can this be when they 're locate din XXXX??
I 'm one of many individuals that need help in getting whatever I 've overpaid AND my title! I have all supporting documents needed upon request.
Please HELP!!
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This is a follow up from Complaint ID # : XXXX.
Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence.
Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan.
My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!!
If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails.
Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account.
It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now?
Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have contacted Santander Consumer USA numerous of time regarding my account. I purchased the XXXX XXXX XXXX XX/XX/XXXX. I purchased the car for {$10000.00} ; I made a downpayment of over {$2000.00}, with monthly payments set for XXXX each month. I have had the car 4 years and the balance is more than what I purchased it for. Every payment that I have made went toward interest. The fees were so ridiculous that I had to send in a money order each month to avoid paying an additional fee for using my bank card. I then came into the problem with them saying they have n't received my payments, I ended up having to pay twice for the same month. I then started to making he payments with my card to avoid the problem of them saying they never got the money order, but I was n't able to continue paying the additional fee for using a card. So I sent money orders and they said they did n't get them, but this time I did n't know until I looked at my credit report. it shows that I am past due almost {$2000.00} for 120 days. They did n't call me not 1 time did n't send any letters. I called Santander numerous of times, they basically said there is nothing they can do. That they recently lowered the fee amount for making card payments but regarding the interest and fees I am responsible for those, that my car is up for repossession, and the amount has to be paid in order to remove the repossession order. I called back today XX/XX/XXXX I asked why have n't I gotten any letters, calls, or emails regarding the missed payments. The representative told me that in XX/XX/XXXX my account was sent to XXXX XXXX XXXX and all communications was stopped. They removed my online statements, so therefore I am unable to see what is actually do or anything the information that my online account shows is from XX/XX/XXXX. I called XXXX XXXX XXXX I spoke with one of the lawyers who told me they no longer represent Santander due to the predatory loan practices, they have n't representative them since XX/XX/XXXX, and they do not have any information regarding my account in their system. They never even received any thing from anyone with my name and social. This is ridiculous, Santander is a liar, and a scammer. I will attach the last statement that is on my online account, along with my payment history.
|
| 07/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XXXX of 2018 we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the birth of our XXXX child in 4 years ( ages XXXX, XXXX, and XXXX months ). Our newest child was born on XX/XX/18 XXXX XXXX ( joint account holder ) was on FMLA XXXX leave for 12 weeks XXXX and I was on FMLA XXXX leave for the month of XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues.
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck.
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. I have tried calling and speaking with someone at your customer service department but they have been very rude and careless about my situation.
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
|
| 09/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]
|
| 06/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.
|
| 03/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I just spoke with your customer service who told me to refile this claim as it was determined you can assist me in my case. My fiance purchased a vehicle and this auto loan was financed through Santander Consumer USA in XXXX, TX at 21 % interest. In Massachusetts, it was confirmed by the Attorney General 's office that this is against state law and the usury department at the Attorney General 's office confirmed that the bank DID NOT register or seek approval in advance to write loans exceeding the state cap of 20 %. They are willing to put this in writing. We contacted Santander Consumer USA and they declined taking the vehicle back, voiding the loan and refunding what we have paid. According to state law, the loan is invalid and needs to be negated by a supreme court judge. The legal department had advised Santander Customer service to cease and desist collection practices as of XXXX/XXXX/16, but they could not tell us why. I have full authorization to speak on behalf of my fiance on the auto loan. We have been passed in circles from Attorney General 's office, Consumer Protection Agency, Usury Department of the Attorney General 's office, now to the Division of banks, which then passed us back to your office. Everyone is in agreement that this loan should be null and void, yet no one will assist us past that point. We have made numerous attempts to find an attorney on a contingency fee basis, but we have hit a dead end. We give them basic information, they claim they think they can help us then never return our calls. This bank just settled a lawsuit filed by the Massachusetts Attorney General for predatory lending practices ( charging higher than the state cap ) but since that case was settled, we are basically left scrambling to obtain assistance until they receive enough similar cases to proceed with a new case. We need to stop being referred in circles and actually obtain assistance. We were told by XXXX separate agencies that your bureau oversees Santander bank. The only documents we have are from the bank denying our request as mentioned above. The attorney general 's office is in the process of mailing the document stating they did not register with the AGO to write loans exceeding 20 %. Which is why our loan should be considered null and void.
|
| 05/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My care was stolen on XXXX / XXXX / XXXX and when it was found on XXXX / XXXX / XXXX it was considered a total loss by the insurance adjuster with the insurance company ( XXXX ) .At the time of my lost I owed {$21000.00}. My insurance company ( XXXX ) paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection XXXX XXXX . I received a letter in XXXX XXXX stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but pay this remaining balance. I called GAP with XXXX spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company ( XXXX ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company ( XXXX ) p aid Santander XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of XXXX / XXXX / XXXX the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the XXXX XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX.
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!
|
| 12/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail.
XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation.
On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit.
I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date.
XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system.
The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX.
I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.
|
| 02/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this.
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.
|
| 08/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
There is a class Action lawsuit on Santander Consumer USA right now. We got a loan with them in XX/XX/XXXX for a new XXXX XXXX. The loan was {$27000.00}. I have paid on this car for almost 4 years and they are telling me that I owe over {$19000.00}. This is impossible. I also added to do extensions with them and they never disclosed increased interest rates or anything. My balance never seems to decrease. I filed bankruptcy for myself in XX/XX/XXXX. They refused to do a payment extension or anything g to help me unless I signed a reaffirmation on the loan. My husband was on the loan as well and did not file bankruptcy. The interest is outrageous and we were put in a loan that was near impossible to pay but we had to have a car. After the bankruptcy discharged I figured out that they were not reporting our payments to the credit bureau. Not even for my husband. When I called they told me that they didnt have to report the payments. I told them that I signed a reaffirmation and that my husband never filed bankruptcy. They acted like I was crazy and didnt know anything. I am certain they have added unknown fees, etc to my account. They refuse to help you and act super rude anytime they are questioned about anything. I just became aware of this lawsuit today while looking at their website. I feel as if my loan should be included. Our credit bureau reports do not even show a loan for either of us with them. I asked them what would happen if we didnt pay the loan since it wasnt in our credit bureau reports and they told Me they would come after us and they would make us pay. They are like punishing my husband in a way even though he never filed bankruptcy. The payment is {$510.00} per month for a $ XXXX {$12000.00} car. That is a house payment for our area. How can that much money still be owed in a car when it only XXXX XXXX XXXX at around d $ XXXX {$4500.00}? They gave us a loan when we never thought it was possible. We owed a lot at the time, but they made it sound great at the time and we had to have a car. It makes me sick that we have been done so wrong with this company. I am behind on payment now and they told Me before that they would repo if we defaulted, even though they do t report anything g in us at all. That doesnt seem right to me at all.
|
| 08/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report.
I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns.
Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,
|
| 12/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been going back with this company and they've repeatedly refused to comply with my requests, as well as, deny their violations of the Truth in Lending act. They have also been caught red handed violating the Fair Debt Collection Practices Act by submitting proof through a previous CFPB complaint. The exhibits are listed in the attachments of this complaint. SANTANDER CONSUMER USA INC. has provided the contract agreement that was set in place to meet obligations that was agreed upon, but the contract was fraudulent and deceptive to begin with, which makes the existing contract NULL. A finance charge does not contain cash and cash was taken from me, which is fraudulent. A finance charge also INCLUDES insurance, which was not provided ( it shall not be optional ). These were fraudulent actions which result in the contract being XXXX. Furthermore, this company is a debt collector and they've stated so within the exhibit attached below : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' In addition to that statement, they're using their labels within the letter to collect a debt. These are all violations of the FDCPA. So, not only have they violated me with a fraudulent contract, but they also used unfair practices to attempt to collect an alleged debt. Moreover, this account can not be considered late/collection/charged-off because it contains a finance charge, which is the sum of ALL charges. This account was paid in full with my Credit Card ( social security card ) and can not contain a late payment. So, this company has been taking advantage of me by creating a fraudulent contract, using unfair practices to attempt to collect an alleged debt, then furnishing negative remarks on my consumer report and refusing to compensate me for several federal violations and remove all negative items from my consumer report. I have a right to opt out of having my nonpublic personal information from being share with a nonaffiliated third party and this financial institution never clearly and conspicuously disclosed this to me in writing or in electronic form. I am in complete distress from being completely taken advantage of by SANTANDER CONSUMER USA INC.
|
| 08/03/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have substantiated proof that Santander Consumer USA is in fact in the debt collection business, as they are trying to collect an alleged debt using false representation and deceptive means. I have several documented attempts to allow the company to admit to their wrongdoings. I demand relief in the form of monetary remedy as well as the complete deletion, and removal of this information from my consumer reports, and from all consumer reporting agencies databases. I invoke my rights as a consumer protected and enforced by the FCRA 15 U.S.C. 1681, and the FDCPA 15 U.S.C. 1692. I have multiple exhibits that substantiate my claims that the company is in fact in violation of the FDCPA on several counts. My attached Affadavit of truth, which was also included in the last correspondence with the company, has each fact listed. It has been thirty-eight ( 38 ) days I have not received a rebuttal of the facts I stated in my affidavit of truth, validation letter, and cease and desist request in my last correspondence sent via U.S. Postal Service certified mail with a return receipt. I requested that the company validate the information they are alleging by completing the attached forms, send them back to me for review, and allow me 30 days to evaluate while all collection and reporting must cease and desist. The company failed to validate, and send the documents back therefore by law, my affidavit stands as truth, and the company admits to being negligent and dishonest. Also, the company is using false representations, and deceptive tactics to attempt to collect an alleged debt. In my original correspondence the company listed its address as XXXX. XXXX XXXX XXXX XXXX, TX XXXX, but in the exhibits they sent back to my validation request they have their address listed at the bottom of the page as XXXX. XXXX XXXX XXXX, TX XXXX, and on some of the other documentation they have XXXX. XXXX XXXX XXXX XXXX, Tx XXXX, on their website they list XXXX. XXXX XXXX XXXX, TX XXXX as their payment address. The different addresses are very misleading, inaccurate, and unprofessional, as my other exhibits substantiate. The company haphazardly sent back documents that do no validate any fact or truth to support their claim so this debt is indeed invalid and inaccurate.
|
| 01/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint.
I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.
|
| 07/07/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
Hello, I engaged in a vehicle lease through Chrysler Capital XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX of XXXX in the State XXXX. In XXXX of XXXX, I moved to IL and properly registered my vehicle through XXXX. As part of the registration process you must file XXXX tax form. This form/filing is the means to assess any sales/use tax due to the State XXXX when moving from out of state. I filed the form, and paid tax due to XXXX in the amount of {$790.00} ( documentation/payment rationale attached ).
A few months later, I received a debt collection call from Chrysler Capital stating that I owed them {$1600.00} plus fees totaling {$2200.00}. After many calls ( and over many months ) with them, and the state XXXX, it was determined that I properly paid my taxes and that the State improperly billed Chrysler Capital. Chrysler Capital does not assign a single representative to the handle the matter, so every time we speak we start from scratch. Since Chrysler Capital is the owner of the vehicle, they simply assumed tax was due and they made the payment. They are unwilling to work with the state XXXX to obtain the proper credit/reconciliation for the over payment they made to the state, and rather simply assert that it 's not their problem - they paid the state so i need to pay them. I have confirmed with the state that since i do n't own the vehicle, there is nothing further i can do to resolve the issue considering i provided proper documentation of adequate and proper payment. The state needs to credit Chrysler Capital, but Chrysler Capital will take no action to obtain the credit, and there is nothing I can do to obtain it for them since I did not make their payment, I was never billed, and I do n't own the vehicle.
Chrysler Capital has been unreasonable, and unwilling to take proper steps to resolve the matter, which results in an outstanding balance due on my account to them for the {$2200.00}. I have done everything i can to try to resolve, but at this point i do n't know where else i can turn for help and am hoping the CFPB will step in to help me do what is right with this issue.
If further information is needed from me, I am happy to provide any details to bring this to final resolution.
Thank you, XXXX
|
| 09/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I PURCHASED A XXXX XXXX XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.
|
| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.
|
| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''.
I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved.
My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application.
The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand.
Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview.
Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing.
In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.
|
| 10/18/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a )
Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander Consumer USA has changed the status of an account that negatively affected my character, my mood of living, and my general reputation. I have been damaged as a result of their inaccuracy. XX/XX/2020 they listed a charge off item on my consumer report. I requested the Form 1099C. Santander Consumer USA clearly stated that the debt has not been canceled. If the debt is not canceled, why are they reporting an inaccurate account status on my consumer report? That is fraudulent in nature and under 15 USC 1681 s-2 Duty of furnishers of information, they are prohibited by law to report inaccurate information. I ask them several times to delete the Inaccurate information on my consumer report immediately.
The IRS Clearly defines a charge off as Gross Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Santander Consumer USAs reporting of the account inaccurate! A canceled debt must get reported as gross income on the tax return with the form 1099-C.
15 USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have shown and given Santander Consumer USA several notices that they are furnishing inaccurate, incomplete, and incorrect information and by law they are prohibited to report such information. Therefore such inaccurate, incomplete, and incorrect information needs to be deleted off my consumer report immediately ; as well as send a copy of the form 1099-C. I have filed complaints with the Attorney General of North Carolina, the Attorney General of California, the Attorney General of Texas, the XXXX XXXX XXXX, the FTC and will be filing a complaint with the IRS.
In conclusion I am writing to your office to please help me to resolve this clear violation of my consumer rights under the law 15 USC 1681 s2. The continued reporting of this inaccurate, incomplete, and incorrect information is causing me and my family severe harm due to Santander Consumer USAs negative reporting on my consumer report. Please help me to DELETE this inaccurate, incomplete, and incorrect information ( the charge off ) from my Consumer report immediately.
|
| 08/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Santander Consumer USA, XXXX Texas gave me a loan to purchase a car.. With this I am grateful. Because it was a very high interest loan with a daily simple interest rate which is calulated daily. After speaking to my account, he advised me I would save allot of money if I would to pay off my loan early buy paying it weekly. XXXX advise me to send my payments to a XXXX XXXX in XXXX Texas, which is the USPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas ( this post office is open XXXX hours per day XXXX Now I live in the XXXX which takes one day or the same day to get mail to Santander Consumer USA XXXX Texas. I have called the company requesting that my payments are posted the day it is received in their XXXX this company has refused. I have been told on a recorded line that they use a 3rd Party to pick up the mail, and the 3rd Party does not Pick up the mail everyday. As a customer this means to me, the XXXX XXXX we must use has staying power for this company to post my payment as they see fit. This information has also been verified with the USPS XXXX must signed for all the mail pickup and they do not pick up everday. Santander/XXXX add addititional daily interest even after they know they have and willingly deceiving me. When I called the complaint department ( the office of the president ) I 'm told nothing by this department, what I want is the Santander Consumer USAXXXX to go back and give credit for the times they delayed my payments to collect additional interested. This company also said they do not work on Saturdays and no payments are posted. One of my payments were posted on a Saturday which had been at the post office prior to Saturday, and they would not change it.
On XX/XX/XXXX SantanderXXXX received my payment. I was given credit for the XXXX because the company picked it up on the XXXX of XX/XX/XXXX this is just a few examples. I would like my bill corrected and the daily interest corrected. Now because they have proven to me that they do work on Saturday, all my electronic payments sent on Friday should be posted for Saturday. It is from the time they received my payments, not when This company picks up my payments and post them. I do have proof from the Post office and even my bank showing when my payments are sent.
|
| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have a used 6 year auto loan ( account no. XXXX XXXX with Santander Consumer USA that I have made 34 consecutive monthly payments of {$250.00} on through XXXX/XXXX/XXXX. I purchased the car, a XXXX XXXX XXXX XXXX with XXXX miles, from XXXX XXXX in XXXX, MA and Santander Consumer USA was the only lender XXXX said would give me a loan. I was told by XXXX XXXX that this was because I had a poor credit score at the time of my application. The interest rate Santander was willing to finance my loan at was 19.07 %. Although, I believed this rate of interest was exhorbitant, unfair and a higher finance rate than I could afford, I agreed to accept the loan offer from Santander because I desperately needed a car to get to and from work. Furthermore, I only wanted to finance the car over 4 years because the car already had XXXX miles on it as I mentioned earlier. However, because the financing rate offered to me by Santander was so high I was forced to finance the car over a 6 year term to make the payments somewhat affordable.
The car is no longer drivable due to a blown engine when the car overheated on XXXX XXXX and the car had in excess of XXXX miles on it. My mechanic at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, MA told me the cost to repair the car far exceeded the current value of the car. My insurance company XXXX XXXX told me that the damage to the car was not covered because it was a result of mechanical failure, not an accident.
My original loan on the car was for {$10000.00} and I still owe about {$7400.00} as of XXXX XXXX. The car is still registered with minimum insurance on it with plates. I called Santander in late XXXX of last year and tried to negotiate a lower interest rate with them and they refused. I asked if they would accept a lump sum payment in the {$3000.00} range as payment in full on the loan and they refused. They kept saying I signed a contract and if I did n't continue to pay the loan according to the original loan terms they would send my loan to collections. I can not afford to continue to pay {$250.00} per month on my loan plus insurance and registration and excise tax fees for a car I can not drive. I have a permanent XXXX and I receive XXXX XXXX XXXX XXXX ( XXXX ) as my primary source of income.
|
| 01/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.
|
| 07/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman.
It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.
|
| 10/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Between XXXX XXXX, Chrysler Capital and XXXX {$2500.00} was written up and added unknowingly to my loan and {$6500.00} down payment for 10 % changed after signing papers by XXXX XXXX finance manager and have fought for years and the money was to go back to Chrysler capital in XXXX and as of today never did. I received extensions in XXXX and recalled in two weeks by letter and had 5 days to pay {$810.00}. Got an extension in XXXX and I filed a complaint with the AG office and Chrysler which the insurance money never sent back by XXXX XXXX Chrysler stated and now they want to give me what's left.
XXXX of XXXX XXXX from Chrysler Executive office called and told me to continue my monthly payments. This was after the extension. XXXX of XXXX I get a Cease and Assit and repossession letter. XXXX XXXX told me to handwrite a letter telling them they could call me since someone wrote I said do not call me. It was removed. I have made every payment from XXXX last year before talking with XXXX to XXXXSomeone tried to break in the car called police and called XXXX and told I would make payment on the XXXX on the XXXX they stole my car and sent me a bill for {$2300.00} and until the XXXX or will sell my car. I have talked with Miss XXXX, Miss XXXX who on the XXXX did not call me back also on Wednesday as promised and on Thursday XXXX XXXX told me to send in all payments from XXXX of XXXX until XXXX since it stated I missed XXXX, XXXX and XXXX and I sent the email to him and today I called he's away from his desk, XXXX said she or he would call me back. No one has called me and it's XXXX XXXX and Monday is the last day before they sale my car. They know I have proof that they took my car wrongfully because the system sent out a cease and assist letter as XXXX stated that it does sometimes if there is verbish on the line it can go out automatically.They are refusing to call me so they want have to correct what they have done and sale my car. This is the 2nd time their system has caused me problems. All I owe them is for XXXX {$400.00} since XXXX and I agreed in XXXX of XXXX to make my payments.I have done that 17 payments and they want call back they want to sale my car to keep from admitting the system did this. Please help, I need my car.
|
| 05/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Auto financing with Santander Consumer USA is a setup for failure among Consumer 's who are less fortunate which includes Low Income, Race, Age, and those receiving Public Assistance when I applied for an Auto Loan XXXX could have had my loan funded by other Finance Companies.
But Santander Consumer USA inflates there loans to the point it benefits them and the Dealerships who use them, both benefit at which time the Consumer 's are the big losers.
They Bait the Consumer 's like myself with interest rates and other fees along with monthly payment amount so high that you will fail.
I was ask if I receive public assistance which I did at the time of my loan. I feel strongly this is just one reason I received an interest rate of 28 % and a monthly payment amount of {$470.00} also I was ask why do I receive XXXX, this and my age was another reason I received an unfavorable loan interest and payment.
I was told that GAP Insurance was added to my loan only now I am told that GAP is n't included in the loan, which means that if the vehicle is totaled Santander will come after me for any remaining amount owed.
The extra fees and add On 's benefit Santander and the Dealerships. There are so many violations under the Truth and Lending Act on my loan.
I was also told by Santander that they deferred one of my payment to the end of my loan, but instead they lied, I found out that they are still charging me late fees and other fees saying I am late, they are also reporting me to all of the credit bureaus as been late. which I was denied a loan because of the negative information been reported, Also my payoff should be {$17000.00} instead Santander Consumer USA told me my payoff is {$20000.00}. The loan when taken out over a year ago was for {$18000.00}.
It 's unbelievable that Santander Consumer has so many complaints against them when I searched XXXX, I would hope that CFPB will do something about this Business.
I feel that my age, XXXX, income, and Public Assistance has everything to do with my higher interest rate, payments and other fees, extras.
They set me and other Consumers up for failure, get as many payments out of us as they can and than repo of vehicle.
I also notice several lawsuits against them for similar issues.
|
| 08/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
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.
|
| 11/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default.
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers.
Consumers who are eligible for relief under the settlement please contacted by the Attorney Generals Office.
As a consumer I fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit.
The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.
|
| 04/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.
|
| 03/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchase a vehicle in XX/XX/XXXX my payments started XX/XX/XXXX. My car note is {$230.00}. I make two payments each month to equal my due amount. I have always been a month ahead. My first payment was made on XX/XX/XXXX {$130.00} then XXXX XXXX {$130.00} which made my XXXX payment. XX/XX/XXXX {$130.00} and XX/XX/XXXX {$130.00}. Which was for XXXX payment that was paid in full. I called on XX/XX/XXXX since the IVR stated my due date was XXXX with an incorrect balance due of {$260.00} and should have been {$130.00}. At this time CSR stated they would have this corrected and sent to the account team to correct the information. I then made my payment of {$130.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX for XXXX. I then again had to call for the same reason and was told the same thing that this would be corrected. Made payment {$130.00} on XX/XX/XXXX and {$130.00} XX/XX/XXXX for XXXX payment and again for the 3rd time had to call for the same reason and again told this would be corrected. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and this time my account was correct. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and again my account information was correct. At this time I thought my account was finally corrected until I made a payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX here again for the 4th time i had to call to for the same reason to get my account corrected as i am a month ahead on my payments. I asked why this continues to happen and the CSR stated i would need to call to let them know that my payments are for the month ahead. I thought this was ridiculous and a hassle to do. I told the CSR I should not have to call to make sure they do their job correct. She stated that she would add a note to my account that my payments needs to be applied to the next month. So I thought this would fix my issue with my lender. Today XXXX I make a payment for XXXX due date and the IVR stated my due date was XX/XX/XXXX this will be my XXXX time calling to correct my account as this payment is not for XXXX. This will be the 1st partial payment for XXXX. Lender Name is Santander Consumer USA.
Thank you for your time and help. Very much appreciated.
|
| 07/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/XXXX I cosigned a vehicle for my son. My son did not have credit established so they required a cosigner. I was a homeowner with good credit. My son needed a vehicle for work, so we did not have any other options.
The terms of the loan were predatory. We financed with Santander. The vehicle was a XXXX XXXX. The amount financed was {$27000.00} for a term of 84 months with monthly payments of {$670.00}. This puts the interest rate at 23.5 %. This was a usury rate.
My son has had a constant struggle maintaining his monthly payments. He has been running 30 days late for nearly three years ( rolling 30 ). He has made multiple calls to the lender to work out a repayment or modification that could bring his account current so he would not be adding additional fees. Santander has been unwilling to help in any way. The slow payment has ruined his credit, as well as mine and disqualifies him from refinancing. His additional payments have been applied to his past due late charges, so he is never getting caught up.
Last week we attempted to trade in the vehicle in an effort to get out from underneath this car payment and credit situation. My son has been paying on this vehicle for 76 of an 84 month term ( more than {$50000.00} ), and we discovered that he only has 28 % of the vehicle paid off. The numbers do not make any sense. If my son paid the remaining 9 payments he would have a balance of {$13000.00} remaining. The current balance on this vehicle is {$19000.00}. My son is unable to trade in the vehicle as the value is 25 % of the balance due after paying on this vehicle for more than 6 years. Even if the full term of payments were made, he would owe more than double of the value of the vehicle, this makes no sense whatsoever.
This situation does not make any sense and I do not understand how this is legal. My credit has taken an enormous hit due to this situation, and with the fees that have been added I can not see a way that we can remedy this situation. Santander has clearly taken advantage of its consumers that are unaware of how they work and what they are charging. They are making it impossible to remedy an already bad loan by adding additional usury costs and fees that trap the buyer in a bad loan.
|
| 06/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Santander Consumer USA , Inc.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : The Office of Registered Agent for Santander Consumer USA , Inc..
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Santander Consumer USA inc are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and XXXX.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
We purchased a XXXX Toyota Corolla in XXXX of 2015. We did deferred payments for our down payment through the dealership. After having the vehicle for 6 months and making payments on it, we accidentally paid {$160.00} too little on one payment. We spoke with the finance company ( Santandar ) and they set up an arrangement for the {$160.00} payment. Before the payment was drafted, Santandar contacted the dealership and told them that the loan was null and void because of the partial late payment. The dealership contacted us and told us what they said and that we needed to bring the car back. I contacted Santandar and they told me that the loan was null and void because the dealership allowed us to do a deferred down payment. They told me that it was n't a big deal and that the dealership had to buy the car back from them and then resubmit the paperwork and that the loan would be refinanced. They also advised me not to make any payments on the vehicle until the new loan was processed. About 3 weeks later, they had my car repossessed for non-payment. At this time the partial payment was late and the XX/XX/XXXX payment was late because I was told not to make those payments. After 1 month of fighting with Santandar, the dealership was finally able to buy the car back after being assured that we would be refinanced with Santandar. Santander received the check from the dealership and held it for over a week. They finally cashed the check and said that the dealership could pick the car up. The dealership submitted all of the paperwork to Santandar to re-do the loan and now they are refusing to refinance us. They are claiming that we were {$2100.00} behind in payments, but we were not. They are also refusing to give us our down payment or the payments that we made back even though they told us and the dealership that they would do so since the loan was " unwound ''. Now we are out of {$5000.00} and a car and Santandar said that it is our fault because we were not making payments. When I told them that I did what their agent told me to do they told me that they were sorry for the misinformation, but the repossession still stood. At this time, we do n't know what to do or how to move forward with this situation.
|
| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
I purchased my car from XXXX XX/XX/XXXX. SantanderUSA purchased the loan and my payments are {$290.00}. In XXXX our home was sold in a foreclosure scam, after I attempted a loan modification due to my husband suffering a XXXX 2 weeks into his recovery from XXXXXXXX XXXX XXXXXXXX. My husband became XXXX XXXX and XXXX XXXX. When we became XXXX I spoke to a representative in XX/XX/XXXX, and she assured me, even though we are a month behind, they would not repossess the car. I have been calling and messaging them about changing my payment date from the XXXX, since I am a XXXX on Social Security and get paid on the XXXX. They said I already requested a change of my payment date on XX/XX/XXXX, which is the date I called the representative to inform her we were XXXX, so they said you can only change the payment date once during the loan. Today, I called again ( XX/XX/XXXX ) after I got a letter from SantanderUSA stating Notice of right to cure default and requirement of strict compliance. This is the only letter I have ever received from SantanderUSA, since I purchased the car. They demanded {$420.00} by XX/XX/XXXX and I tried to explain, that I do not get paid till the XXXX, plus I can barely scrape up the {$290.00}. She told me I needed to come up with {$74.00} today, but I tried to explain, that I only have {$20.00} in my account till the XXXX. She then told me they would repossess the car if they were not paid by the XXXX of XXXX. I called another number today, that I got off a Consumer Website, but after I explained my situation, he hung up on me. I have never had any issues with Santander USA until the XXXX XXXX bought them out, in fact they have always been kind and helpful. We do not even have Medical Insurance, because we can not afford the Medicare premiums. We are at poverty level, but do not qualify for extra help. I have even filled out a loan deferment with the company today. They sent me a document to fill out, but they will only defer the payment till XX/XX/XXXX. I have also, tried to refinance the car, but they say they no longer are doing refinancing. The representative, XXXX asked if I could borrow money from anyone to pay the amount. I replied, I have no one to borrow money from at all.
|
| 09/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
A couple of years back I noticed a double payment was taken out of my account for my vehicle loan. I called 3 times and was promised to have the payment reversed. The payment was never reversed. I wanted to explain that story first to paint a picture in your mind of what Santander Consumer USA is doing now. Just recently I sold the vehicle that is under the loan with Santander Consumer USA. I have sent several checks to them with notes to apply the checks directly to the principal. I noticed a check was not applied correctly resulting in my due date being pushed out till XX/XX/XXXX. I called in and asked to have it reversed and explained my frustration to the rep and how the check was marked. The Santander Consumer USA representative informed me that the checks do not go straight to principal, even though they were marked. She also told me that I would have to call in each time this happened to have the payments fixed. The rep gave me their standard spiel in how the payment would be fixed in 72 hours. A few days passed by and the correction was not made and still is not to this day. I therefore called back in as I had since then sent in XXXX more checks that were also marked " principal only ''. XXXX of the XXXX checks were applied as regular payments. The rep I spoke to this time told me the same story, even though the checks were marked " principal only ''. He told me the issue would be fixed and my next due date would be adjusted to be XX/XX/XXXX instead of XX/XX/XXXX. I asked the rep if there was an email address I could email to follow up, he told me I would have to call back in. Today, I sent a written to Santander Consumer USA through their site again, requesting to have this fixed. They responded back requesting me to call in as they can not send sensitive material over email. I responded back that I was not requesting anything sensitive to be sent, although they replied to me in regular non-encrypted email with my account info exposed. I have been persistent with them and will continue to be because they have collected over {$260.00} in interest that I need to help me payoff the car faster. I am also afraid they will disregard my request like they did a couple years back as mentioned above.
|
| 11/02/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I have been in contact with Chrysler Capital on a recent truck lease that was just turned in and I was sent a bill in the mail stating I owed money for damages that I did get fixed. Here is the timeline of events : -Hail damage to the truck occurred in XXXX 2015-Claim with my insurance was filed for the damage before XX/XX/XXXX15-I called Chrysler Capital to set up the turn-in inspection and they said I needed to have the inspection done prior to getting the hail repairs completed.
-Chrysler Capital person came to my house for inspection on XXXX/XXXX/15 and estimated damage of {$1500.00} needed to be fixed prior to turn-in of the lease.
-Truck was then taken in to XXXX XXXX XXXX XXXX MN for repairs done on XXXX/XXXX/15 ( shop was recommended by the Chrysler dealership ). Actual cost of damage was {$3500.00}.
-Repairs were completed and I paid my insurance claim deductible.
-Truck was taken to XXXX XXXX MN Chrysler dealership on XXXX/XXXX/15 and turned-in. No damage was noted at turn-in and everything seemed to be OK.
-A few weeks later a bill was sent to me from Chrysler Capital in the exact same amount of {$1500.00} that was originally estimated as the damage.
-I called Chrysler Capital assuming this was just an error as the repairs were completed. They stated I needed to send proof of the repair for review.
-Documented detailed proof of repair from XXXX was provided to Chrysler Capital for review and removal from final bill.
-Chrysler Capital reviewed and is saying the damage was still present and the repair was " subpar '' at the time it was released to auction.
-I requested what exactly was subpar and they could not tell me exact areas that were not fixed and say I still owe the money. They have not shown any documentation to me on what was supposedly wrong, yet they say I owe them the money.
This is not true as I know the hail was fixed - repairs that were done were actually double of the original from the Chrysler inspector estimate. This is not fair that they are holding me liable for these charges since I did in fact get the damage fixed. I do not want this to hurt my credit, but I am not paying for something that was already fixed prior to returning the truck.
Please help!
|
| 03/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway.
I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.
|
| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is {$460.00} a month. XXXX has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional {$2500.00} down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by XXXX. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of {$1200.00} and 1 week later the calls started that i was behind by {$1500.00}. They refused to refi or renogotiate payments. I owe {$16000.00} the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put {$6500.00} down. The ticket price was {$11000.00}. I know i should expect higher fees because my credit isnt great but the way I see it is they are making sure I will never be able to pay off this loan. It a 2012 XXXX. They apply payments any way the want instead of where its supposed to be. I have made XXXX payments in one week this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition {$10.00} convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my {$2500.00} for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from XXXX. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have dispute all of the information Chrysler Capital has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that Chrysler Capital never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the Drive was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has street spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to Chrysler Capital will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.
|
| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA.
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us.
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace.
Thank you,
|
| 07/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a victim of Identity Theft and Fraud. Because of this an auto loan was taken out in my name with my personal information. When i noticed the account on my credit report, I took the steps to address it including, filing a police report, filing a FTC Fraud Affidavit, contacting the credit reporting agencies, and contacting the creditor. I sent all this documentation to the credit reporting agencies and Santander Consumer.
Quickly I discovered that the credit reporting agencies, will not do anything when it comes to identity theft. Even though I have disputed the account, explained to them that i was a victim of identity theft, sent them the police report, the fraud affidavit, they refuse to remove it from my credit report. This is really frustrating because I did extensive research and there are Federal Laws that are supposed to protect my rights as a consumer yet the credit reporting agencies completely ignore them and do not comply.
I also sent all the information to Santander on XX/XX/2020 only to get a response for more information, the exact information I sent, so I sent it all again, my driver 's license, the police report, the fraud affidavit and their ID theft forms they wanted me to fill out on XX/XX/2020. Then a few weeks later I get the same exact letter again asking for the same information again! So, again I send everything they are asking for a THIRD TIME, my driver 's license, the police report, the fraud affidavit, and their ID Theft Victim report again on XX/XX/2020. Then on XX/XX/2020 I get the exact same letter again asking me to send all of the information again. It's clear they do not care either about Identity Theft or Fraud.
I thought the laws would help me, protect me and my rights, that if I was a victim of Identity Theft and Fraud that the laws would force these companies to investigate and correct the inaccurate information remove this fraudulent account from my credit yet I find out that these companies simply don't care about me, my situation or complying with the Federal Law that is supposed to be protecting me. My last and only hope is that you will investigate and hold them accountable for their negligence and non-compliance of the Federal Law.
|
| 01/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment.
Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX.
Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done.
I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue.
I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information.
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars.
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department.
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing.
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill.
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car.
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default.
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me.
I was broke and homeless from a hurricane and they just wanted their next payment.
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.
|
| 01/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
We leased two XXXX XXXX XXXX 's from XXXX XXXX, XXXX, XXXX in about XX/XX/XXXX. We have made all payments as promised. In XX/XX/XXXX, we decided to lease 2 new XXXX vehicles. XXXX was called to find out what the payments remained and the XXXX dealership wrote us checks for final remaining payments. We continued to make payments towards our accounts knowing that a final bill would arrive. XXXX has in their history of converation that they spoke with XXXX XXXX XXXX to get a payoff amount. We awaited a final bill with the final payments and the lease end fee. After turning in both vehicles we have made a total of approx XXXX on one vehicle and XXXX on the other. We knew there would be a final amount due and we are prepared to write XXXX a check for the final amount. I have called several times and spoke with several people at XXXX XXXX # XXXX. I was told a manager would call me today to try to resolve the issue and I did n't receive a call XX/XX/XXXX. I made the call at XXXX today and spoke with one customer service agent and one individual whom said she was a manager but could n't do anything for me. I have given our situation to several people without a solution. We have always paid our payments on time without fail. We have a good credit history. XXXX XXXX is not practicing good business practices and I believe is causing undo harm to people and their finances with how they are reporting lease ends. I spoke with the XXXX dealership and they have never had this happen with other people that were ending their leases with XXXX. This should be resolved and should n't have gotten this far. Unfair business practices have no place anywhere. I have now received an Early Termination Liability letter on both vehicles, one for {$34000.00} and the other {$35000.00}. My calculation the balance of both accounts should be approx 3500 but XXXX will not give me the final amount to be paid. We were never given a certain way from XXXX that the cars had to be turned in. We inspected the cars and turned them into the dealership we leased from. No one there said anything to us as well. We gave them our information so they could take care of the vehicles and we did n't receive any calls with issues.
|
| 12/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there. The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it. The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.
|
| 06/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
During Covid my husband who is the primary and Im the cosignor called XXXX XXXX asking for payments to be deferred because Im XXXX XXXX and he is military. Im the head of household. XXXX XXXX stated they would review and not to worry and this was XX/XX/XXXX roughly. We never heard back until we received a late notice letter stating we were 40 days late. We called again on XX/XX/XXXX and a representative apologized stating she would send a letter for us to sign asking for the deferment. No letter was ever sent as of XX/XX/XXXX. We called the morning of XX/XX/XXXX to learn that representative did nothing as of yet and our account is now 59 days late. We spoke to someone named XXXX XXXX who stated he was a supervisor in collection XXXX id number. He stated he would now forward to the office of the president but wouldnt provide us with a contact number to follow up. As a cosignor no one called and he stated I requested that no one called me. I advised that was false due to my husband being in military I have to be called which I argued with then about that 2 years ago when he was XXXX and that never called me. We really need help. It appears they are doing us harm again with this tactic. They are rude and have impacted my finances as a business owner by not helping him while ruining me with the passive comments such as we dont know why they didnt mail it. Please help In addition, in summer of XXXX my husband provided them with his XXXX letter and as a result missed a payment l. He showed a letter from his commander. They stated that it wasnt good enough and reported both of us to the credit bureau. I got involved because Im the cosignor and they never called me. I complained and they told me that they would later notify me moving forward. Ironically they did even when payments were made or etc thereafter. Suddenly they have me as a no contact for XXXX. Ive been trying to still address that XXXX issue since XXXX. The recent incident with covid relief is now impacting us for this company purposely has failed to do thier job after speaking to us on a recorded line, per the representatives, to provide us with help. We no longer can deal with this company and now must find legal help
|
| 12/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.
|
| 07/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Santander Consumer USA is the most predatory, self- serving establishment ever. They give no regard to their clients. I have a XXXX vehicle financed through Santander. For the past 2 years I have paid on time and have never been delinquent. XXXX XXXX I get a call that they never received my XXXX payment and to make a partial payment immediately. According to my bank statement the check that was mailed to their XXXX TX office, cleared on XXXX XXXX. When I call, I am treated like a criminal and a thief, I explained that I am trying to send my proof to them that the payment has cleared my bank. To make an extremely long story short, they only provide XXXX fax number to reach their accounting dept. They do not allow emails. I have faxed my documentation 7 times in the past week, every time I call, the XXXX individuals continually tell me, there is something with your fax maam ' we do not have your documentation, now make another payment. I have spoken to XXXX managers in the past week, they robotically repeat the same info to me, just fax your info again and check back in 24 hours. I have my fax confirmations, but nothing matters to them but protecting their own company. Tonight I am going to my local XXXX office to XXXX my documentation. The manager I spoke to insisted that I XXXX to their XXXX XXXX XXXX People do n't normally XXXX to a XXXX XXXX XXXX When I insisted on a physical address, the manager said, XXXX XXXX is the only place you can XXXX to. I found their physical address online and will XXXX to a physical address. I fear this will never get resolved and they will report me as late to the credit bureaus. They 100 % of the time, when I call to discuss this matter, remind me I am late on my payment and to please make another payment asap. Some of the rep 's have even cut me off from speaking to remind me of my " delinquent '' payment and how many days I am " past due '' ; which is infuriating when all I want is someone in this mysterious accounting dept to get on the phone with me and help me resolve this issue. As of today XXXX/XXXX/XXXX, the issue is still NOT solved. If you XXXX search Santander complaints, the web is riddled with them. How can they stay in business?
|
| 08/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Brief Description:1. On XXXX XXXX, XXXX I received a Notice of Intent to Accelerate and Requirement of Strict Compliance from Santander. The notice gave me until XXXX XXXX, XXXX to pay {$960.00} which was the past due amount.
** I need to know how many days does the State of Texas allow a consumer for a Right to Cure Default Notice2. I was n't able to pay the above amount. So I contacted Santander and set up a payment arrangement and was advised that my vehicle would not be repossessed. On XXXX XXXX, XXXX my vehicle was repossessed 3. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I made several calls to Santander in attempt to returning my vehicle but I was unsuccessful. 4. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back.
5. On XXXX XXXX, XXXX the Bankruptcy was dismissed6. I waited to receive a Notice to Cure from Santander so that I could pay the past due amount but I never received one. On XXXX XXXX, XXXX I received an email from Santander offering a 50 % settlement that 's good for 60 days XXXX XXXX, XXXX. I called Santander on XXXX XXXX, XXXX and agreed to a settlement of {$10000.00} good until XXXX XXXX, XXXX. I asked for it in writing but Santander refused. They told me to call back once I had the money and then they would provide a letter.
7. In XXXX XXXX, XXXX Santander repossessed my vehicle from a XXXX parking lot. I contacted Santander but they would not return my vehicle.
8. I received a Notice of our Plan to Sell Property from Santander dated XXXX XXXX, XXXX. I also received, via email, a settlement agreement with repossession fees included good until XXXX XXXX, XXXX. On XXXX XXXX, XXXX I filed Bankruptcy Chapter XXXX XXXX XXXX ) in order to get my vehicle back. 10. On XXXX XXXX, XXXX the Bankruptcy was dismissed,11. I had n't heard from Santander. On XXXX XXXX, XXXX I sent Santander a Demand Letter. On XXXX XXXX, XXXX Santander declined my settlement offer. I was informed that Santander sold my account to XXXX who then transferred the account to XXXX XXXX XXXX. I have tried to contact XXXX but I 'm transferred to someone 's voicemail and I 've never received a callback.
|
| 02/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company.
My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance.
The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account.
I have called them to resolve the account and all they state is that I still owe the money.
I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment.
This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out.
I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance.
Lenders are not willing to help me with financing another vehicle due to their incapacities.
I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information.
I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family.
I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender.
The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial.
These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner.
I'm a hard-working single mom and everything I have it's from my own blood sweat and tears.
I have never ripped anybody off nor do I plan on it.
I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.
|
| 12/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received the following email from a company that I have never done business with. All the information they have about me is incorrect ( e.g. name, address, debt... etc ).
They do however have my e-mail correct and continue to send me e-mails about a debt that does not exist with them.
Their message reads : This is your XXXX XXXX XXXX XXXX Money Transfer receipt and confirms your authorization for a one-time electronic bill payment to Santander Consumer USA XXXX XX/XX/2022 XXXX. The total amount will be debited from, or charged to, your bank account or card listed below.
Confirmation Number : XXXX Sender Name : XXXX XXXX Sender Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number with Receiver : XXXX Your bank account or card # : XXXX Receiver : Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Payment Date : XX/XX/2022 Payment Amount : {$410.00} Money Transfer Fee : {$2.00} Total : {$410.00} California Residents XXXX You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if ACI Payments , Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorneys fees pursuant to Section 2102 of the XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX COMPLAINTS : Click here for information about filing a complaint Please contact Santander Consumer USA directly at the address listed above or call XXXX if you have questions about the posting of this payment to your Santander Consumer USA account ending with XXXX.
|
| 08/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American, Servicemember |
|
FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act.
If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older.
( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities.
( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability.
2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into.
By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
|
| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Chrysler Capital along with its parent company Santander, utilizes unethical if not illegal practices in the way they misrepresent the handling of unpaid fees and charges. For example whenever I called to inquire about my bill, the representative would always quote the total amount due including unpaid fees and charges. It took a long time for me to figure out that paying the quoted amount did not eliminate the unpaid fees and charges. Once I realized what they were doing, I finally called to complain that the representatives are misleading the customers by making statements as follows : the total amount due including unpaid fees and charges is $ XXXX. They explained that I would need to make a separate payment specifying that it be applied to the unpaid fees and charges. But, the representatives dont explain that technicality when misrepresenting the total amount due.
For example, I have attached the XX/XX/XXXX & XX/XX/XXXX statements. ( I couldnt find XX/XX/XXXX statement. ) In XX/XX/XXXX, I made the full payment including unpaid fees and charges. I noticed the unpaid fees and charges carried over into the next month. I called and protested the way the payment was applied. The representative tried to convince me to not payoff the unpaid fees and charges. After speaking to a supervisor, they finally broke the payment up to make sure unpaid fees and charges were paid. I wonder how many times this happened during life of the loan.
My loan was originated XXXX of XXXX for {$16000.00}, with the final payment scheduled for XXXX of XXXX, which is this month. However, the current balance on the loan is {$10000.00}. I received a few extensions but not {$10000.00} worth of extensions. On Tuesday XX/XX/XXXX, I spoke to XXXX ID # XXXX and asked for copies of statements from the inception of the loan to the present. I was advised that they can only provide statements for the most recent 12 months. They are able print a history of payments but not the actual statements.
I would like for a financial forensic accounting to be done on my loan. If its found that I have been overcharged as a result of this unethical practice, I would like to be compensated for these charges.
|
| 01/08/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased my XXXX XXXX XXXX with Chrysler Capital. I was on autopay the whole lease. I did not change my bank information or modify my payments in any way. I spoke with Chrysler Capital on XX/XX/XXXX to ask how I can buy out my Jeep and nothing was mentioned about any late payment. I went to buy out my lease in XX/XX/XXXX and nothing was mentioned to me in regards to owing any money. In XX/XX/XXXX about 2 weeks after I purchased my car, I received an emergency alert from XXXX XXXX stating I missed two payments on my lease and my credit score dropped more than 70 points. I didnt understand what happened because I was on autopay and I never received any late notices, emails, or phone calls in regards to late payment. My statements were all paperless and went directly to my email for the full 3 years. I contacted the company several times and I was bounced around. Every time I called no one knew what was going on and I had to reexplain the situation. I was told to send a formal letter to a PO Box and an email in regards to my issue which was sent on XX/XX/XXXX. I didnt receive any response back so about 2 weeks later I contacted them again and requested to speak to a manager who said unfortunately theres nothing they can do and that its my responsibility to check that they take it out. He said usually they can fix the credit score but in my case they refuse to do so. I contacted a lawyer because I felt they were being bias and I didnt feel like I was treated professionally. I asked them to release my phone messages and they refused to do so. My lawyer told me they most likely do this all the time and to file a complaint with CFPB because there was nothing he can do because its technically my responsibility to check my bank statements. Its been a full year and Im still fighting to get my credit score back up. I was on my way to a perfect score and now with this error its extremely hard to get my score back. I am currently refinancing my house and I have explain why I missed two full payments. I was on Autopay with no missed payments for the full term until they stopped autopay unbeknownst to me. This company has poor practices and they refused to fix their error.
|
| 02/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I, XXXX XXXX, just got off the phone with a rep from Santander Consumer USA who told me his name was XXXX and ID number XXXX dated on XX/XX/XXXX at XXXX est.
I called to rescind to my contact because I dont agree with the terms, and I also mentioned that I want my car back because it was repossessed back in XX/XX/XXXX I didnt know how to go about getting my car back until XX/XX/XXXX after doing research on the law.
However, XXXX told me XXXX cant get my car back and that it was Sold to the auction.
So I asked for PROOF of documentation for everything that he is stating and telling me because this can be a complete LIE ( which I believe. ) however, XXXX said by Monday which is XX/XX/XXXX the receipt of the bill of sale would be sent out. So I made it clear, YOU ARE SENDING OUT THE RECEIPT OF THE BILL OF SALE RIGHT? He said well, I will send it out by Monday, but whenever you get it woul be up to the postal.
I said ok, cool.
Then I tell him, with all of that being said, SANTANDER CONSUMER USA is reporting to the CRAs ( Credit Reporting Agencies ) that the account is Charged Off which will require a XXXX form from the IRS, because a Charge off is stated as income.. he tried to confuse me a little bit and play me as if I dont know what Im talking about and goes to talking about something about that comes from a settlement and I well in that case I didnt benefit anything or whatever you are referring and simply and politely demanded to get my copy of the XXXX form.
So he goes and say I will get that over to you as well.. and then I said you know what? You can just email it to me.. and then stop and got quiet and said he cant do that ( LOL ) Moral of the story these CROOKS know they screwed me over and not to mention on the phone call he was basically blaming everything on the dealership where I got the car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX and the car which is a XXXX XXXX I am demanding all my good back plus interest and for all the the violations YOU XXXX CROOKS WILL PAY FOR ALL THE UNFAIR BUSINESS YOU ARE ALL DOING TO ME!!! CFPB LOOK INTO THESE CROOKED XXXX COMPANY SANTANDER CONSUMER USA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
|
| 12/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.
|
| 08/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
Servicemember |
|
XX/XX/2020, I walked into the car dealership in XXXX, Oklahoma at around XXXX.
After hours of back and forth, pressure tactics and acting like they were doing me a favor by selling me a car, they said they found a car that I was approved for.
By this time it was late, the dealership was closed and everyone was rushing to get us out so they could go home.
Most of the lights were even off.
We were in the office with the loan manager and he was shoving papers at me left and right ... '' sign here, sign here ... he's printing and printing more papers out ... this just says you can't bring the car back ... this just says you have no warranty.. '' etc.
When I tried to ask questions, I could tell he was frustrated by it.
He never went over the interest rate or any of that.
I finally asked, " How much are my payments? " ..because it was never discussed.
He told me {$360.00}.
We took our car that night and left Oklahoma the next day.
A few months later, I noticed that even though I'm paying all of my payments in full and on time, my pay off balance wasn't going down.
I looked through the contract until I found the interest rate.
The loan company charged me 18.9 %!
And I now see that at the bottom of the contract it says that the dealer will get some of that.
A few days ago, I learned that Oklahoma limits the amount to 16 %.
I also read that they were supposed to provide me with the Truth In Lending information ... that was not done.
I feel like these actions were a form of usury and predatory lending practices due to my low credit rating, my lower income, and them counting on me not knowing the law.
I contacted them last month to ask about refinancing to a lower rate.
Their response was, " No. We do not refinance our loans. '' The last week of XXXX I called and informed them that I felt like they had not followed the usury laws and that I would like them to correct it.
Again, their response was, " No. We do NOT negotiate. '' I have tried to reach out them and they are unwilling to work with me.
The law says that if they violate the usury act, they have to pay me that money back and are no longer allowed to charge me interest for the loan.
|
| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I do not have dates all of the dates. But, I filed for bankruptcy and it was discharged in XXXX, XXXX. I filed a reaffirmation agreement for my car loan thru Santander Consumer USA, with the US Bankruptcy Court which was approved. I then had a financial burden in XXXX, Santander allowed me to not make payments for XXXX and XXXX, XXXX. Around this time I started shopping around to refinance the vehicle, but I was denied because the car isn't on my credit report. In late XXXX I attempted to have the car loan added to my credit report by contacting Santander. They said I needed to send a letter to the department that resolves credit related issues, so I sent a letter. XXXX i received a letter back from Santander stating nothing needs to be done. Then my sister was given a XXXX diagnosis and went on extended leave from work, so I am helping her pay bills. I am now two payments behind on my auto loan. I continued to check my credit report for the next month or so and it did not show up. XX/XX/XXXX I spoke with XXXX from Santander ( see attachment ) about refinancing and the issues I was having making the payments.I spoke with Santander on the phone on XX/XX/XXXX. The representative said she was opening a high level ticket with the credit resolution dept. She called me back and stated " The car loan will not be added to your credit report, because you filed bankruptcy '', so i asked " Was i advised of this when i reaffirmed the debt in bankruptcy? '' To which she responded " No information was sent to you pertaining to this. '' I then asked " Does Santander refinance '' to which the representative said " No ''.
The crucial piece of information about the car payments not being reported to the credit bureaus after bankruptcy, now prohibits me from refinancing the 19 % percent interest rate to get the payment to a level I can afford. So now, if the car is repossessed, I will be in another difficult financial situation due to any amount that is due after they sell the car at auction. When if they had told me the car wouldn't be on my credit report, I would have forfeited it when I filed bankruptcy.
This is an unethical business practice, if not criminal.
|
| 04/27/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )
|
| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.
|
| 11/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Statement of facts I performed a credit transaction with Santander consumer USA XX/XX/2019. I notice that there was a loan application with SANTANDER CONSUMER USA which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to SANTANDER CONSUMER USA stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay { {$2000.00} }. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; SANTANDER CONSUMER USA failed to inform me of my federally protected right to terminate my credit transaction according to 15 USC 1635 Right of rescission with regulations stated under 12 CFR 226.15, 12 1026.23 RIGHT TO RESCISSION. After reaching out to SANTANDER CONSUMER USA they expressed to me the consumer natural person I didnt have the right to terminate my contract by any means in the state of Texas XXXX Implementing my federal rights were no longer protected, yet somehow SANTANDER CONSUMER USA still operated under TILA. According to the law violating these terms results in a fine DOUBLE the finance charge. This complaint will be forwarded to the correct department federally and locally.
|
| 11/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My complaint is against a finance company called Santandar Consumer US. This company has placed a 30 day deliquency mark on my credit file in error and refuses to remove it. XX/XX/XXXX I was unable to make my monthly car payment so I rolled it over to the next month. My payment was made on the due date of the following month to ensure it would not be 30 days behind. XX/XX/XXXX my spouse and I decided to purchase our first home. When our credit was pulled there were no deliquencies reported and everything was great. About 3 weeks before settling on our new home ( XX/XX/XXXX ), our mortgage company informs us that Santandar reported us 30 days deliquent XX/XX/XXXX. When I called Santandar to resolve the issue they informed me that my payment was 30 days late even though I made the payment on the 30th day to bring the account current. I can not understand how the account could be late when it was made current on the 30th day. I ask them to provide me a copy of the original agreement with them explaining how payments are applied and when accounts are reported to the credit bureau. The representative informed me they did not have that paperwork since they purchased my loan through XXXX. They said it is not their policy to send that information to consumers when they are converted from another bank. I asked to speak with the credit reporting dispute department on this same day. I spoke with a manager named XXXX who informed me that there was no record of Santandar reporting to the credit bureaus since XX/XX/XXXX. I asked XXXX for a letter or some type of documentation confirming what she said. She said Santandar did not have any letter like that to send to consumers. This company is fraudulently reporting information to my credit bureau. As a result my family is in jeopardy of losing our home. They reported the deliquency 60 days late and now refuses to work to resolve the issue. I have asked several times for a copy of my contract with them explaining how payments are posted and their policy on credit bureau reporting, but they refuse to provide me that information. All I want is for the mark to be removed and a copy of the contract with Santandar!
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The loan XXXX with Santander consumer USA these are deceptive practices in which this company is already been involved in and lost a multi million dollar lawsuit right before my car was financed with this company in which I have experienced the same issues and interest-rate which I was not told about in the beginning that you can not refinance nor will they change payments or posting for interest only without anything posting to the principal so the amount you owe on your vehicle never goes down they report incorrectly to credit reporting almost making it impossible for you to trade or refinance the vehicle for a less interest rate the biggest thing though that I think I noticed is there auto payment system everyone needs to check their accounts because what has happened to mine is it is set on a auto draft setting that they claim they cant remove so upon logging into the account it appears that your payment is already set up to deduct from your account so of course you dont want to make a double payment and return what happens is the payment is never processed in which it makes you look like youve missed your payments and Ill top of that they charge a late fee so if you think about all the millions of people that have auto loans financed through this company still if everybodys accounts are set up like this theyre making a ton of money just off of late fees because I know myself and my family because when I work out of town its left with somebody else who will pay bills on my account anytime theyve ever tried to login it says that the payment is already scheduled obviously theyre not going to schedule another payment so I know around that theres been times that I have missed two payments in a row thinking the payments are being made this is a complete scam from start to finish I have contacted multiple times about all of the situation my loan at one point was more than what I purchased the vehicle for because of their late fees and posting all of my payments towards interest in nothing towards a principal very little has been posted to the principal on my car in the year and a half that Ive owned it they should be shut down for what they do
|
| 03/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
- On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX XXXX is where I originally bought my XXXX and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me.
-On XX/XX/XXXX Chrysler XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of XXXXXXXX XXXX XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital.
-Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX XXXX and not to me.
- I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name.
-I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX.
-I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly.
- I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.
|
| 05/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance.
On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident.
I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested.
In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement.
In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time.
Respectfully, XXXX XXXX
|
| 07/11/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi, I have been recently notified about the fraud in reference to my account with Santander. I purchased a XXXX XXXX with Santander through Roadloans. I was not asked to provide any type of check stubs or anything and was approved. All I had to do was take the paper work to a participating dealership and show them the approval and my driver 's license along with my {$400.00} down payment. I struggled making the payments on the car when I got the car. The car was repossessed and I was able to come up with the money and get the car back. I was able to keep the car for a few months before they came and repossessed the car for a second time. No one would work with me when I called to set arrangements on the payment. The car was repossessed the second and final time in XXXX around XXXX. Since then the account has remained opened as a charged off account the entire time and they have made updates to the account as late at XX/XX/XXXX. I have not had any access to the account for it to have any activity. I have not been notified of when the car was sold, who it was sold to or how much it was sold for. " Based on the investigation, the coalition alleges that Santander knew that certain segments of its population were predicted to have a high likelihood of defaulting based on sophisticated credit scoring models. Per the lawsuit that Santander is involved in, I believe that I am a victim. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions. '' Please look into this as it has caused a huge embarrassment to my life.
|
| 08/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Im in the process of getting a mortgage when it came up by the mortgage broker that I have late payments listed on my closed Santander account for XX/XX/XXXX and XX/XX/XXXX. I filed disputes with all the 3-credit reporting agency, and they all responded that the data is correct and to contact the company that furnishes the data, Santander Consumer. I contacted Santander Consumer Customer service on XX/XX/XXXX and the person I spoke with, XXXX Emp # XXXX, said that she doesnt see why they are showing as late payments and spoke to her manager. After returning, she said the manager said I would have to write a letter to have them investigate, I explains Im in a time crunch and would like to talk with the manager. After 25 minutes of waiting, I was able to speak with the manager, XXXX and explained that I dont have the time to send a letter and wait for a response since Im in the process of getting a mortgage. After explaining that that sending a letter was not an acceptable solution since its not my fault, they are reporting fraudulent data. She eventually was able to transfer me to her supervisor, XXXX ( XXXX?? ) who was very nice and helpful. She took her time to listen to my problem and asked for the details and said she would email the department to investigate the reporting issue and would get back to me ASAP but no latter then 72 hrs., with an answer. Here we are 3 days after the 72 hrs. and after spending almost 2 hours on the phone with them on XX/XX/XXXX, I still have not received any emails, calls, voice mails and/or texts. I spoke with an attorney and she said the only options Santander really has is to either corrected the reporting or just delete the tradeline, this needs to happen ASAP since this is hurting my creditworthiness and them not doing anything means they are being negligent. The consumer reporting agencies didn't add the Santander tradeline on my credit report, Santander did and by law they are REQUIRED and RESPONSIBLE to furnish information that's accurate and complete.
I have included a copy of the errors on my XXXX report but also have online reports from XXXX & XXXX XXXX showing its not just an issue with XXXX.
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to Santander in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to Santander chat feature where the Santander rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that Santander could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX again and was denied.
Again, I just want the correct month that was past due to be showing. Thank you!
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to Santander Consumer USA because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
|
| 08/04/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
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.
|
| 06/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or about XXXX XXXX after my car was repossessed by my lien holder who never disclosed as a debt collector I looked into my XXXX XXXX account for my credit report as both XXXX and XXXX both regularly update my history my score and my report and I saw where it says XXXX loan and it identified as the number XXXX and then under account closed as a charge off and a write off as of XX/XX/XXXX account closed profit /loss and last payment made XX/XX/XXXX And no derogatory remarks and no collection marks So I proceed to call Santander consumer the lien holder/debt collector and ask how is it that they are able to use a car as security on a debt that doesnt even exist? They were adamant about it being a charge of and said itd just the credit bureaus!! So Im not understanding what he means by this did i miss something? I was just informed that he told me that the debt was reported to the shareholders of the company, Im not making this up, and the shareholders are writing it off as a loss of a unfulfilled contract. So Im assuming that since they made the loss a tax deductible loss and the debt no longer exists Im not so sure that I have had my property seized legally and then why on XX/XX/XXXX I dispute the bureau both of them on my credit karma account and find five days later the disputes have been remedied and the result was exactly the same thing, yet on XX/XX/XXXX I was really not happy to see my XXXX credit report that showed my Santander account to be delinquent not just once in XXXX but 2x yes on XX/XX/XXXX and on XX/XX/XXXX both were reported as delinquent and no charge off no recovery no bad debt last payment XXXX. I have made XXXX $ in payments to that account since XX/XX/XXXX and Ive yet to receive not one call from any debt collection agency not even one! So they told me themselves that they are the one who is collecting the debt yet they say that they already reported it as a loss to their shareholders! And some times when I call them they identify as an attempt to collect a debt and sometimes they dont! So how do I know which one Im talking to? And even since my dispute on my own behalf the reports have made no more change
|
| 07/01/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a single parent, I had no vehicle and my now XXXX brother helped me to purchase a vehicle to help me get back and forth to work to care for my kids. He assisted me with the monthly payments as well. When he was XXXX, I contacted Santander Consumer USA to request that my notes be lowered due to financial difficulty and to prevent having my vehicle repossessed because I could not afford it. It was enough knowing that my monthly notes were {$440.00} and my car insurance was {$380.00} per month because of my credit score being low. I had previously been through identity theft from a family member who stole my information and made purchases and created bills that I had not been aware of, which resulted in no one wanting to give me credit. Santander denied my request to have my notes lowered or allow me to refinance the vehicle through another lender. I spoke with a representative who advised me that I could do a voluntary surrender of the vehicle and have all remaining debt waived due to my situation. At that point, I had lost my job because I took a week off for grievance and they denied my request and fired me. The rep told me that all I had to do was make a statement over a recording and I did so. They advised they would pick up the vehicle in a few days, which became a few weeks. The vehicle had been parked outside of my rent home and kept insured until they picked it up. Several months later I was notified that the vehicle had been sold and I was responsible for the remaining debt on it, which was {$11000.00}, in which I thought had been resolved due to the conversation with the representative. The account has been closed and written off but remains on my credit report and is negatively impacting it. I do not think that this is fair to myself, nor any other consumer and it is an unlawful practice of business. I cooperated with this company in every way and their vehicle was returned in like new condition as I received it, but because I no longer had any help with my car note and they could not find a way to help me, but lied and hurt my credit instead, I am now left to battle with getting this removed from my credit report.
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I made a payment of {$2300.00} to Santander on XXXX via online ; I then called Santander so that they could allocate the payments for the next XXXX months per the rep that I spoke with before I made the payment. When I called, I spoke with a representative whom told me that the payment could only be allocated for the next XXXX months which was fine. So the payments were allocated and I wasn't due a payment until XXXX, but I went in on XX/XX/XXXX and made a payment of {$230.00} just to get my balance down because I have already paid these people over {$25000.00} for a XXXX XXXX XXXX and I still owe them {$8000.00}. So, when I made the payment, my balance was {$8100.00} ( hence, the reason I made a payment of {$230.00} ). I went to my online account today and I noticed that my balance was still {$8000.00} because {$150.00} went toward interest. I called Santander and spoke with agent # XXXX, I asked to be transferred to a XXXX, and was transferred to XXXX agent # XXXX, I asked XXXX to transfer me to someone over her so she transferred me to XXXX agent # XXXX and she told me that they normally don't get these kinds of questions because most people read their contracts. I read my contract, and there is nothing pertaining to if you make a lump sum payment and wish to have it allocated that you will be charged interest as if you missed payments. Because had I not made a payment until XXXX, as it was supposed to have been, all of that payment would have went toward interest. From XX/XX/XXXX to XX/XX/XXXX, I had interest of {$150.00} on XX/XX/XXXX {$240.00} of {$440.00} payment would have went toward interest. That is highway robbery. I called them back and spoke with XXXX agent # XXXX, and I explained to him that I didn't understand how I could be charged interest as if I didn't make a payment if the payment is supposed to be allocated to each month, I told him that it didn't make sense, and he told me it did, because he has a simple interest loan with them as well. Well it doesn't make sense to me. If you are in a simple interest loan, do not make a lump sum payment and have it allocated because interest is going to eat you alive!!
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX, I opened an account with Santander Auto Loans for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from Santander and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by Santander XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice.
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
|
| 04/23/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Re : Leased XX/XX/XXXX XXXX XXXX My 3-year lease with XXXX XXXX ended on XX/XX/XXXX. I have made every effort to return the car but XXXX XXXX has failed to cooperate.
I had the pre-inspection done in XX/XX/XXXX, and the car was in approved for return. In early XX/XX/XXXX, I called XXXX XXXX and asked for instructions for returning the car, because the dealer from whom I obtained the car is no longer in business. A representative told me to call other XXXX dealers nearby. I called the 4 closest dealers, and all of them refused to accept the car.
When I reported this to XXXX XXXX on XX/XX/XXXX, the representative told me that they would send someone to collect the car within two days ( by XX/XX/XXXX ). However nobody called and nobody came to pick up the car. On XX/XX/XXXX I called again to inquire, and was told that I would be contacted in 2 weeks or so about the pickup. This contact never occurred.
I have called numerous times about this matter, and XXXX XXXX representatives have repeatedly shifted the blame to third parties, refused to allow me to talk to a supervisor, and promised that someone would be sent to retrieve the car -- but this has not occurred.
In the meantime, I have moved out of the state, so I can no longer store the car or deliver it anywhere. The car is being kept temporarily at a friends house, awaiting the promised retrieval.
The last call I received from XXXX XXXX was XX/XX/XXXX, and the representative again promised that the car would be retrieved, and someone would contact me within 48 hours to make arrangements. And once again, the promised contact did not occur.
Back when I was first told the car would be picked up ( XX/XX/XXXX ), I filled out the DMV form to release responsibility for the car. Since then, my lease has ended ( on XX/XX/XXXX ) and I believe all my obligations concerning the car have ended. The car is no longer registered in my name or insured by me. XXXX XXXX/Santander Bank is now Owner of the vehicle and is legally responsible for the car. But their dealers refuse to take the car and they keep failing to pick it up.
As far as I'm concerned, this is an abandoned vehicle.
|
| 10/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have auto loan with XXXX XXXX. When opened I set auto payment, and in XXXX of XXXX I called inquiring what is needed to change my bank account for future withdrawals. They emailed me form, I filled in and faxed. Next month payment was not withdrawn, I called end of XXXX, and they claimed never received fax. I made payment over phone and set up net payment for XXXX same way in case auto payment would n't work ( was told at that time I can not set up auto payment for next 6 months because XXXX payment was missed which came to be incorrect ). Went on their web site and set it, and they withdraw twice on XXXX XXXX. Called on XXXX at XXXX XXXX, spoke with XXXX who told me they need me to fax my bank statement showing withdrawals. I faxed it on XXXX, than called on XXXX at XXXX XXXX and spoke with XXXX who confirmed they received it and that refund will be done by XXXX. Nothing happened so I called on XXXX at XXXX ( putting all times and dates so they can verify on tapes is this true statements ) and spoke with XXXX whose response was that they never received fax!!! When I confronted him with conversation with XXXX on XXXX he put me on XXXX minute hold and then they miraculously found my fax! At that time they said they need to put another request into system and it will take up to a week to receive. Since this was XXXX day since my money is sitting with them I asked to speak with someone higher, and at XXXX I was talking with XXXX XXXX who was " understanding '' but could not commit to expediting anything and passed me on to XXXX at XXXX. After me repeating all incompetence on their side, she became defensive and now claimed that my faxed bank statement is invalid, because I have XXXX all other charges on my account ( do not feel it is any of their business knowing what I am paying besides their loan ). They claim they have no way of finding proof on their end of charging me twice, which I find unbelievable.
All of this is putting additional burden on my finances, and I will probably not have enough money to cover all my bills next month, due to Chrysler financial holding my {$530.00} for close to a month now.
Asking for help
|
| 05/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have kept contact with Santander c onsumer Usa company since the very beginning XXXX XXXX about my payments. I noticed that my payment where being applied incorrectly in XXXX XXXX every payment that I made was getting applied only to interest. On XXXX the XXXX i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on XXXX XXXX XXXX I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until XXXX XXXX , XXXX when i spoke t o rep ( XXXX ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. ( XXXX ) XXXX XXXX , XXXX because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since XXXX / XXXX / XXXX i have called several times XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called. XXXX / XXXX / XXXX i called from coworkers phone and was able to get a Rep. from the presidential dept XXXX XXXX XXXX who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.
|
| 06/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In XXXX of XXXX I went to a car dealership ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ) to get a used vehicle. After looking at a few different vehicles I choose one and proceeded to work out the details of the loan. I was asked repeatedly to provide someone that could be a co-signer ( for income purposes is what I was told ) and I stated multiple times that I did not have one. After being told that it would be impossible for me to get a car I called my friend to see if he would be a co-signer for me since no one else would. He agreed to become a co-signer and we filled out the paperwork to get the deal done. The loan was unfavorable the interest rate was over 22 % and my monthly car payment was {$450.00} on a used XXXX XXXX XXXX, but I agreed to the deal because I really needed a car since my previous vehicle was totaled a few days earlier. Upon reviewing the account when it was time for me to make my first payment I noticed that my friend was the main borrower and I was listed as the co-borrower which I called the company Santander Consumer USA and asked about it since my friend didn't have a driver 's license at the time and still doesn't have one. I was told that's not an issue and I asked for the loan to be reversed or cancelled because I felt that was illegal and I had no problem returning the vehicle to them. About a year goes by and I'm struggling to make the payments and they keep calling me to make a payment which I tell them I will no longer be making payments because I'm upset with the treatment and fill the loan was done fraudulently. I took a look at the account and also every single payment that I made went to the interest and I was even charged interest after the car was repossessed. Overall it was a bad experience I was lied to by the dealership and the loan company and it has hindered me from being able to get a decent car loan or any form of credit since then. I feel Santander Consumer Auto preys on people that are in a bad situation financially or credit wise and takes advantage of them through the dealerships since they could just repo the cars within a year of the loan and resale them.
|
| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
My complaint is with Santander Bank. I purchased my vehicle at the XXXX dealership in XX/XX/2016, new, at roughly {$20000.00}. I have never missed a payment, and have always paid more than the minimum amount required. I have paid over {$23000.00} but yet still owe {$15000.00} on the vehicle. My interest rate is 24 %!! I was told by the lender as long as my payments were met on time, the interest would drop. I have tried to refinance at other banks to get a lower interest rate but no one will touch the loan because the loan is considered " upside down ''. Basically the car is now worth about {$12000.00} and my loan is more than that. I checked my payments to find only about {$110.00} of my {$600.00} payments was being applied to my principal, even after requesting them to apply the extra payments directly to my principal balance. I contacted Santander to see if, due to my excellent payment history, would they refinance me and they told me no, they don't offer refinance. I discussed returning the vehicle and was told they would make sure it stayed on my credit for up to 7-10 years and it would prevent me from financing other vehicles, or even a house. I've been a perfect customer to this company, I've paid them well over what my car was worth and what my loan was for. They have been rude every time I have reached out to them and have offered no help nor logic reason as to why I still owe them {$15000.00}. They are predator lenders and take advantage of good people just trying to make a living and have a reliable vehicle. I wish to be refunded the extra money i paid over what my original loan was for and to be considered as PAID. I wish for someone to look into them and request them to lower their interest rates, and at least give good customers the option to refinance at a lower cost after establishing a good payment history. My credit is better now than it was when i purchased my vehicle, but due to the large balance with Santander it throws off my debt to income ratio so I don't qualify for buying a house or another vehicle. I just want to be done with them so I can move on and begin the home buying process for my family.
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage
|
| 02/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been trying to get a name off a title and and do a title state change for 5 months.
As of now it is still not finished.
I moved from XXXX to XXXX in XXXX. I called to ask about the name removal and state change. They said I did n't need to name removal and they would send me the papers I needed to register the car in XXXX. It took over 4 weeks and numerous calls before I received the papers. I found out that I did need to have my sisters name off the title. I have been making calls ever since. I have been told I was wrong, that it ca n't be done, that the papers were in the mail. That I did n't request the name removal, that I had to call the XXXX, that the titles dept had to take care of that. Then in XXXX they sent to papers to me then to the XXXX. I was told to check back in a few weeks. When I called back I was told the XXXX said I had to travel back to XXXX with my sister to sign papers. I called XXXX and was told we could have signed a POF then the company could handle everything for me.I called the company back and was told that was wrong, or that they did n't know where to send the papers. So as of now it is still not finished. To me either the employee did n't know what to do, or they acted very rude to me. Example was today. I spoke to a woman who said she was from the presidents office. She told me i did n't ask for a name change, then said I would have to travel to sign the papers, or the papers were in the mail and there was nothing she could do about it. She had no resolution for my problem. That there were XXXX states and she did n't know the laws in each state. I filed with the XXXX and they keep saying it is my fault. I asked for the interest back that I should n't have paid and all they did was state the terms of the loan. I had plans of paying off the loan in XXXX. I explained that to each person I spoke to. I finally went on line printed out the POF from that web site and submitted it. Again I was told I was wrong, or that all the paper work was not submitted and refused by XXXX. As of today XXXX/XXXX/2016 5 months later this is still not resolved. I am attaching their responses to the XXXX.
|
| 05/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.
|
| 04/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My name is XXXX XXXX and my issue is with Santander Consumer USA in approving a loan I never applied for through XXXX XXXX. It all started when XXXX XXXX ask me to stand guarantor for 4 months as instructed by XXXX XXXX to secure a vehicle he wanted to purchase. I don't have a drivers license, I don't have a stable job, I don't have a vehicle or any asset so how was I able to acquire this loan. It was all lies perpetrated by XXXX XXXX salesman and finance manager in order to get a check. I accompany XXXX XXXX on the XXXX XXXX to XXXX XXXX just to sign as Guarantor for 4 months and was told that my name will be nowhere on the title or registration, the place was very busy and I couldnt wait so XXXX the saleman brought me some documents which was highlighted to sign with no information on it, I signed along with XXXX XXXX the documents because XXXX seems very sincere and know what he was doing but now I know different, he was very deceptive. That was the end of my involvement in this transaction. To my surprise, XXXX XXXX called me frantic one day in XX/XX/XXXX to tell me that he hasn't received and documents from XXXX XXXX and when he called santander bank his name is nowhere in their system. we try calling XXXX the saleman and he never answer. So we called Santander Consumer USA and when put in my information at the prompt and the vehicle loan came up in my name. we spoke several time to different managers at Santander that this was a mistake and the vehicle does not belong to me and that I cant afford the loan but they said there is nothing we can do, we need to reach out to XXXX XXXX in which we did but they were rude and obnoxious and refuse to see us and settle the issue because they knew what they did and they already got paid. All I want is for my name to come off this transaction because that's not what I signed for. XXXX XXXX is the sole owner of this vehicle, he was the one that initiate this transaction, collect the vehicle, its in his possession and he has the resources to pay for the loan. I dont want this to affect my credit in anyway so please help me to resolve this matter as soon as possible. thank you
|
| 05/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I sent Santander consumer USA a right to rescind affidavit pursuant to 15 USC 1635 on XXXX rescinding the consumer credit transaction between the legal fiction and their company. The rescind was within the proper timeframe that federal law provides, which explains I can rescind any transaction before the third business day at midnight as long as I had intentions to do so. My intent to rescind before the third business day of the transaction was certified on the XXXX of XXXX which was the third business day of the transaction, see Cfpb receipts # XXXX. The company did respond to my affidavit but never rebutted the affidavit point for point under the penalty of perjury pursuant to 12 CFR 1102.33 ... according to 15 USC 1635 ( b ) ... 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it.
Next Santander sends me a bill with many fdcpa violations. First the contract was rescinded within the proper time. So any bills are fictitious instruments to collect on a rescinded transaction. Again a affidavit was sent addressing the fdcpa violations which under federal law a affidavit has to be rebutted point by point pursuant to. Again Santander failed to rebutt my affidavit point by point within the allotted 30 days. Notice of defaults with opportunity to cure were sent for both affidavits that they never rebutted.
Santander has completely ignored both my affidavits, and proceeded to send me a notice threatening me with repossession and further damaging my consumer credit report. I sent Santander an estoppel by acquiescence regarding the account # XXXX For failure to properly respond/ failure to rebut either of the affidavits Point for point within 30 days.
Ive seeked a declaratory judgement through notary public. If this account isnt handled properly I will take the matter to federal court.
|
| 11/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
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.
|
| 06/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.
|
| 09/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.
|
| 11/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am XXXX XXXX I am submitting this complaint myself there is no third party involved.
I XXXX XXXX, Consumer, Natural person, and original Creditor enter a Consumer Credit transaction with Santander on XX/XX/ and a Finance charge was involved pursuant to 15 USC 1605 A Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Santander also made me buy Insurance on the side instead of providing me with insurance everything is suppose to be included in the finance charge there aren't suppose to be any cash given or taken in a consumer credit Transaction an Santander took cash an charge me on a monthly Baisc til the Vehicle was paid in full I'm Enforcing my Rights for all payments back via mail Pursuant to 15 usc 1692 H If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Santander has used abusive, deceptive, and unfair debt collection practices on me making me pay deceptive debts ive been harmed in this matter emotional distress
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.
|
| 12/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
False information on my credit report regarding the original amount of the loan, the time reported to agency as a late payment. Inaccurate amounts monthly payment amounts. Reported to credit bureau as late after the account was paid in full. The account was paid in full as of XX/XX/XXXX. However, they never sent the car title, when I called them in XX/XX/XXXX, they told me there were fees owed on the account that were from the beginning of the loan in XX/XX/XXXX. I immediately XXXX the misc. fees, I have my receipt of the XXXX sent. They had never contacted me regarding those fees, the only way I discovered the fees was when I never received my car title. As matter of fact they claimed they sent my car title XX/XX/XXXX, they never did and want me to send money to another agency to pay for a car title, that they never sent. The company is deceptive in their practices. I have contacted them on several occasions and they sent me from one department to another and to voice mails. I have disputed this with all credit bureaus and will keep disputing it. Additionally, the original monthly payment was not, {$220.00} for 54 months. The car note was reduced to {$220.00} after I became unemployed and after two years of struggling to pay the note. One agent finally looked at the file and put me in a program to assist me, had they done that from the time of unemployment it would not have taken me seven years to pay it off. However, they are not reporting that, The last car note was paid on XX/XX/XXXX. All information of reporting is inaccurate. Santander has been deceptive in their practices. I paid on that load from XX/XX/XXXX to XX/XX/XXXX. They reported me to credit bureau for misc fees on XX/XX/XXXX as the date of my first delinquency and the account was closed XX/XX/XXXX. They reported to the credit bureau a late payment for the fees I never knew were on the account, after I PAID MY LAST CAR NOTE XX/XX/XXXX. As I stated the only reason, I discovered the fees was because I never received my car title and called them, XX/XX/XXXX, found OUT ABOUT THE FEES AND IMMEDIATELY PAID THEM. I have the copies of my transactions.
|
| 03/23/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX, 2017, we purchased our leased vehicle from Chrysler Capital. As part of the purchase price, state taxes were collected. These were to be remitted back in order to pay the taxes due a time of registration of the vehicle. Upon sending the paperwork to our lender ( Bill of Sale, etc. ) a check should have been sent. However, it was not. My first phone call resulted in them telling me they would have to send an email to research it and it would take 3-5 days for a response. I called back, and was told the check was mailed to my bank. I called back again the next day ( after learning no check had been received ) and spoke to another person who indicated the check had not been sent. They sent me to the Office of the President. The next person I spoke to advised they would remit a check, to me, and overnight this. They advised they would call me to let me know once this was completed. I never received a call. I called back the next day, and was told they were " researching it '' with XXXX who was a manager. I then received a phone call back that indicated they mailed the check on XXXX to my bank. My bank has not received the check as of today. As a result of this, my ability to register the vehicle has been impacted and I have received a communication from my bank indicating they could call my note due and payable as I do n't have this registered within the required 30 day timeframe. In addition, I now have to pay penalties for a late registration. I still do n't have this resolved. Chrysler Financial has given me the run around for almost a week, has told me different information during every call and the matter is still not resolved. In addition, per the Missouri Dept. of Revenue, Chrysler Capital is not " authorized '' to collect taxes in this manner for the state of Missouri. When we initially talked to Chrysler, we were told they would remit the taxes to the State of Missouri, which they have not and are not authorized to do so in this state. Chrysler Capital held my funds for 25 days potentially, which is a complete contradiction as to what they stated they would do at the beginning of this process.
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In early XXXX, upon applying for a mortgage on a newly built home, my mortgage lender discovered an account placed on my credit profile that has caused a severely crippling dilemma in my home purchasing process. According to the account being reported, there is a balance of {$5700.00} on a closed Chrysler Capital installment account. The account appears to have been opened XX/XX/XXXX, and has been delinquent since XX/XX/XXXX.
Since learning of this inaccurate account information, I have spend several months in attempting to work with the different credit bureaus in disputing this information that is being reported. Although XXXX major reporting agencies have done the right thing and removed this fraudulent account from my credit profile, ONLY XXXX has continued to fail to do so. I have completed various proof of identify forms, filed police reports, as well as typing dispute letters along with my personal identification and mailing and faxing this to both Chrysler Capitol and XXXX. After nearly a year, no action has been taken. Even when speaking with representative from Chrysler Capital, I was told that my personal information that i had provided, did not match the account holder information that they had on file, so no further information could be given to me.
I find what Chrysler Capital is doing is very unfair to me, deceptive and abusive in nature, as this can now cause me to lose a {$60000.00} deposit I placed on the new home. And XXXX is allowing this by continuing to report this account with accurate proof from Chrysler Capital that the account infract belongs to me. Because of the personal information not matching according to Chrysler Capital, I am left with no resolution in this matter.
I have clearly been a victim of identity theft. I have explained to all parties that I do have the exact same name as my father ( First, Middle and Last ) and our social security numbers are also very similar. Although i do not know for certain who opened this account in my name, I do feel that I have provided enough information to XXXX through several attempts to remove this account from my credit profile.
|
| 07/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.
|
| 06/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XXXX of XXXX the process of repossession of my car was started for falling behind on my payments on my loan with Santander Consumer USA Bank. I immediately paid the past due amount on the loan before the tow truck driver even had the car hooked up. So while speaking to a customer service rep at Santander that very same day, Miss. XXXX, she agreed to waive the repossession fees that they were going to charge to my account because I handled the situation in an expedited manner and brought the loan current immediately. Now, in XX/XX/XXXX I've made the final payment on the loan, and the loan has been paid on time since that incident in XX/XX/XXXX, but they have over {$370.00} worth of fees still open on the account for this repossession in XXXX/XXXX. The fees they promised to waive originally. I've since disputed these fees with a customer service rep, in early XXXX of XXXX, asking her to go back and review the recorded conversation I had with Miss XXXX that day in XX/XX/XXXX. She claimed she had no access to those records and told me that if I don't pay them that they will adversely effect my credit reports by reporting me as being 30 days, 60 days & even 90 days past due on the loan. The loan is paid off. So today XX/XX/XXXX, a representative from the " executive offices '' of Santander Bank called to speak to me about my dispute. She too claimed to not have access to the call I had with Miss. XXXX stating they don't keep those records more than a year or two, yet she had records of a conversation I had with a Mr. XXXX that took place BEFORE my conversation with Miss. XXXX. The executive representative then acknowledged she had the ability to waive the fees from my account and offered a {$50.00} reduction to them. I told her I wanted all the fees waived as I was promised by Miss. XXXX. She refused and so I asked what will happen if I continue to dispute these fees and don't pay them, she replied they would report it to the credit bureaus as unpaid and open and adversely effect my credit. At this point she then said " I won't be waiving any fees for you and I'm notating your account that way as well ''.
|
| 10/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete.
BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX.
XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER.
SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to.
These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX
|
| 05/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I purchased a car from XXXX XXXX on XX/XX/XXXX. I chose a XXXX XXXX XXXX XXXX. We proceeded with the paperwork. My salesman got me an offer from a lender, Santander Consumer USA. I was to circle which option from the lender that I felt comfortable with, and sign the agreement ( which I did ). I chose {$1500.00} down, 60 months @ $ XXXX per month. I then proceeded to acquire auto insurance over the phone ( which I did ). After acquiring auto insurance ( and paying the 1st month premium ), The salesperson left the table. We proceeded to close the deal. The salesperson then told me and showed me an agreement that my monthly payment would be $ XXXX, down payment now changed to {$1900.00} and # of months changed from 60 to 72 months. I asked what happen to the $ XXXX per month and the other agreement options that i had first signed, he said he added a XXXX XXXX warranty of $ XXXX ( which I didnt ask for, and he added it without even discussing it with me ). I had him take it off, that brought it down to $ XXXX per month, still 72 months and {$1900.00} down. I then asked what happen to the $ XXXX, something else was taken off ; ( Im assuming that it was delivery fee, but the car was a trade-in, therefore it was not delivered so that fee was rake off ). I asked the salesperson what happen to the first agreement ( {$1500.00} down, 60 months @ $ XXXX per month ) The salesperson then left and came back and told me that the lender had changed its mind and now wanted {$1900.00} down ( previously {$1500.00} ), for 72 months ( previously 60 months ), at $ XXXX per month ( previously $ XXXX which is still about the same ). The changes came out to be an increase of over {$3400.00}.
I reluctantly signed. Over the following weekend I got some advice that I might have been a victim of " iinterest markups '' scheme or " bait and switch '' scheme because I'm a female. I was told that I should submit a complaint to The Consumer Financial Protection Bureau but first try to rectify the issue with the dealership. I went to the dealership on Friday XX/XX/XXXX to try to resolve the matter but my resolution fell on deaf ears.
|
| 08/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX.
10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer.
Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW.
I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit.
The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This complaint is against the following lender : Santander Consumer XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed.
The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much.
The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer.
This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report.
*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
|
| 09/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX my vehicle was repossessed by Santander Consumer USA. I had missed several payments and was past due. I was aware of this. My issue is their company acting in bad faith, and while what they did may not be illegal it is certainly unethical.
I had previously missed a payment arrangement due to some personal financial issues and problems with fraud on my bank account.
However, between the XXXX of XXXX a representative from Santander called and informed me of the past due. I offered to make a payment on XX/XX/XXXX and another within 2 weeks to bring my account current. At no time did he mention the possibility of me being repossessed and needing to make a payment sooner. Obviously, my car was taken 2 days before the payment which would have brought it under their " repo '' past due limit according to their reinstatement specialists.
They had previously sent me a right to cure letter, and that date had passed. However, the fact that they were still calling me and taking payments led me to believe that they were working with me.
After trying to explain the situation and get my vehicle back they have not offered any type of solution other than completely paying the vehicle.
I should also mention that at no time was any kind of extension given, or reduced payment plan despite asking numerous times.
On XX/XX/XXXX I received a letter from Santander dated XX/XX/XXXX offering an assistance program to bring my account current. After calling in I was told this was a mistake and I can not do any payment plan/assistance program. I was told that if I had done it before repossession I could have used it, however I explained I was never offered any plan even after asking. They did not care.
I also learned that my optional GAP coverage and extended warranty were successfully refunded to Santander on XX/XX/XXXX. This totaled around $ XXXX+. I understand that this applies to the principal, but it should have also showed my intention to pay the car since I had cancelled these optionally before repo.
Combining all these things makes me very frustrated how all of this has been handled.
|
| 03/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX - I financed a XXXX XXXX XXXX for {$18000.00}. I put {$1500.00} down which reduced the finance to {$16000.00} XXXX XXXX of Santander Consumer USA informed me of payments being sent were not processed as they should be because some payments were sent to XXXX and others in South Carolina. He informed me the payments had been rectified and would be placed on my report correctly, this was Thu, XX/XX/XXXX XXXX XXXX.
Two years later, I was granted a hardship Re : Temporary Reduction in Payments on XX/XX/XXXX : SEE BELOW : Dear Your Temporary reduction in payment plan has been approved and processed. Your next 6 payments will be in the amount of {$280.00}, with the first payment due on XX/XX/XXXX.
My payments are due on the XXXX of every month, I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX, XX/XX/XXXX. I overpaid the amount required. in the amount of {$300.00} XX/XX/XXXX - XXXX of my family members were killed tragically in a car accident XX/XX/XXXX - I contacted Santander and they extended the payments for the above mentioned amount through XXXX. They have not kept their end of the agreement and have breached and lied. They are reporting late, yet cashing the checks before they are due. Which one is it? I signed the e-agreement and they honored it. My balance on the car is {$13000.00} - but they are adding fees that are not just. The car was only {$16000.00} and I paid $ XXXX monthly for the first three years. I only got a reduction in XXXX and they are giving false amounts to the credit bureaus. XXXX XXXX, XXXX I paid {$240.00} for XX/XX/XXXX at XXXX in XXXX XXXX, XXXX XXXX XXXX, XXXX I paid {$350.00} @ XXXX XXXX XXXX . This is proof I am never 30 days late, in fact I am early. Again, the payments are due on the XXXX of each month.
Santander Consumer USA Inc.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00}
|
| 06/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2019 I entered into a finance car loan with Santander Consumer USA. To whom it may concern, According to the Truth In Lending Act 15 usc code 1605 ( a ) ( 5 ) law clearly states that insurance shall be included in the finance charge, which I purchased a vehicle under the extension of my credit and received a contracted loan that was extended from your company which had no insurance attached to the original contracted financed loan. There was no appropriate disclosure present at the time. Also no insurance included in the finance charge according to 15 US Code 1605 ( a ) ( c ) * CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE* I didn't receive any insurance that was included in the finance contract. The insurance was not included in the contract which means the contract is NULL and void due to fraud, According to the law and should be deleted and I demand compensation for damages of a breached contract for not adding the insurance, willfully and knowingly as a federally protected consumer under 15 us code chapter 41. According to Truth In Lending, a lender or creditor must disclose all necessary laws and products that are attached to the contract. * Knowingly and Willfully allowing me to send cash payments and the finance loan was fraudulent from the beginning when the vehicle was purchased. You didn't add the insurance that is a violation.
CONSERNING THE ACCOUNT LISTED BELOW I AM DEMANDING THE FOLLOWING LISTED BELOW. THE ACCOUNT IS IN FACT INVOLVED IN FRAUD FRAUDULENT ACCOUNT SANTANDER CONSUMER USA ACCOUNT # XXXX REPORT ACCOUNT TO CREDIT BUREAU MONTHLY FOR THE REMAINDER OF FINANCE CONTRACT LOAN DATE LISTED ON THE CONTRACT FOR A POSITIVE ACCOUNT REPORTING. SEND THE TITLE CLEAR AND SEND THE CHECK FOR COMPENSATION FOR DAMAGES OF FRAUD DUE TO THE BREACH OF THE CONTRACT NOT APPLYING INSURANCE ALONG KNOWINGLY AND WILLFULLY ALSO NOT DISCLOSING THAT INFORMATION TO ME AS A CONSUMER IS A VIOLATION.
|
| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration.
Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with.
To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well.
Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers.
I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter.
I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department
|
| 03/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I have already mailed you this letter previously and I did not get a response by mail. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am 1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. I am also requesting all financing paperwork 5. Iam also requesting the Dealer documents 6. I am also requesting the redemption notice that you were suppose to send to me that I never received.
7. I am also requesting the deficiency notice that you were suppose to send to me that I never received.
8 Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to
|
| 03/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month.
I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car.
My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc.
I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander has been in violation and its getting worse everyday. This business has some shady business practices. Ive been in default since XXXX and never even knew about the lawsuit and when I asked I was told that it didnt matter. But it does because I had to get my payment deferred a few times due to loss of job during pandemic. XXXX of XXXX I fell behind on my payment again due to being sick and out of work.. I made arrangements to pay my bill and was told I had time but a few days later I come outside to my car being gone. No notice no nothing even with my payment arrangements in place was then told I had to pay Over {$2000.00} plus repossession fees ( + {$400.00} ) all before my next due day was even due I paid get my car back then I check my credit and santander closed and charged of my account due too natural disaster. Then they changed it to closed and charged off as bad debt profit and loss write-off and its charged off every 3 weeks just about. Santander is in violation with FCRA with more than one error on my credit report. Ive had the loan for two years and santander doesnt update my balance in fact all of my payments only go to interest never to my balance also my actual online account doesnt show anything but they call me everyday asking for different payment amounts. My loan term was for 6 years 72 months but they report 6 years 82 months. They report my last payment was XX/XX/XXXX and XX/XX/XXXX I received a call back in XXXX saying I paying {$2000.00} more than needed and my balance went down.. then a week later I get a call at work demanding I owe {$700.00} from the repossession. I feel like Im being robbed and they still want me to give them money Im not even sure if they still have the debt or if they sold it. I dont trust giving them my money if they arent going to actually put it on my payments its like they are stealing it and as a consumer this is not the place to do real business. I have over a years worth of proof please help! I have way more documents if needed I can get the organized and have a folder sent by certified mail in the morning.
|
| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
|
| 03/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.
|
| 05/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.
Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.
Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.
|
| 07/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My wife and I got an auto loan on a brand new XXXX XXXX XXXX t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since XX/XX/XXXX when the first payment was due. The monthly payment is {$550.00} and is due on the XXXX of each month.
As of XX/XX/XXXX the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $ XXXX /month and we only owe {$1000.00} less than when we started.
So on XX/XX/XXXX I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of XX/XX/XXXX the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.
|
| 07/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer.
My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX in my hometown, in which I was in desperate need for transportation.
XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest.
This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.
|
| 09/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.
|
| 05/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
We would like to file a complaint about Chrysler Capital and request assistance in resolving a title issue with our XXXX XXXX XXXX. Chrysler Capital was listed as a second lienholder while our vehicle was titled in XXXX, even though we never owed them money. The car was financed through XXXX XXXX XXXX and is fully paid off. On the XXXX title, there is a stamp next to the XXXX XXXX XXXX line item, clearing that lien, but not next to the Chrysler Capital line item.
In XX/XX/XXXX, we moved to XXXX and upon trying to register our car, we were told we could not because there was no indication on the title that we did not owe anything to Chrysler Capital. Since XX/XX/XXXX, we had called Chrysler Capital numerous times to request they send us documentation to indicate we do not owe them money. While the agents we called tried to be helpful, there was never any continuity between calls because the agents told us we dont have an account with them, so there is no ability to follow up on any of our requests, leading to no progress on resolving our issue to date. The agents have provided us email addresses and a fax number, both of which we used to send our supporting documents for our request. We were able to confirm that they received the needed paperwork and were told a letter would arrive in 24 to 48 hours, but nothing has come of our efforts almost two months since that last attempt.
This has been frustrating because it has resulted in unnecessary work on our end, including trying to find a lawyer to persuade Chrysler Capital to act, as well as preventing us from being able to sell our car. It has also resulted in us needing to pay personal property taxes in XXXX on our car, despite no longer living there. As of XX/XX/XXXX, we were able to register our car in XXXX, but our title still has not been cleared of the Chrysler Capital lien holder.
We would like Chrysler Capital to send us an official document indicating we do not have any debt with them so that we can remove them as a lienholder from our title.
Thank you in advance for your assistance.
|
| 08/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a vehicle through a dealership and was financed with Santander Consumer USA. They are the worst in terms of LYING after making payment arrangements on my loan ; I was told that those arrangements were never made. Causing the loan to be in default and allowing them to Repo the vehicle. after this happening 2 times, I decided to start recording the conversations. on multiple times I was told that the arrangements were not made, or that the payment didnt include certain fee 's which allowed them to tack on more fees after the car had been Repo 'd. On XXXX XXXX, 2016 I was sitting in the vehicle with my Husband the Truck driver ( Repo ) Rammed into my vehicle with us in the vehicle causing injury to our XXXX. after we are sitting in the vehicle in Mid-air the truck driver gets out of his truck and comes around to the drivers side and try 's to pull me out of the vehicle ( I was assaulted and Battered ) by the driver as the other person working with him in an unmarked car had drove up behind me and blocked me in ; So, that I could'nt back out of the driveway. I have been harassed, Followed and caused pain and suffering by the the driver and his partner. when this situation occured my Husband called the police while he is sitting in the backseat suspended in mid-air. The police come and take a report and tell/Instruct the driver not to have any contact or come with-in XXXX feet of me or the vehicle ; Until, I made contact with the finance company on Monday XXXX/XXXX/16 by the end of business day. During the week-end I was still under attack by the Truck driver and his partner, constant following and the ended up picking the vehicle up on the day prior of the instructions by the police. the vehicle was then taken to the vendor XXXX XXXX XXXX who contracts with the towing company XXXX XXXX in XXXX, Arizona. After paying the $ XXXX to get my vehicle back from out of Repo status the Vendor told me the car was damaged and not operative the Tire Rod had been Busted and Gas tank had sugar poured into It.
I had to wait 1 week before picking up the car.
|
| 05/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
In XXXX I brought a vehicle from XXXX XXXX in XXXX XXXX, North Carolina. The financing was through Chrysler Financial. Monthly payments were {$570.00}. I had been current on the payments until on or about XXXX XXXX, XXXX. Around this time, I received a phone call from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Collections Department. He described a payment of {$340.00} the car would be paid in full, and I would receive my title from Chrysler. I promptly paid {$100.00} on XXXX XXXX, XXXX and {$240.00} on XXXX XXXX, XXXX. These payments were made over the phone with my debit card. I received receipts from XXXX XXXX for both payments. After these payments, I received nothing from Chrysler or XXXX. I did not get any late payment notices, nor any title. Chrysler called me on XXXX XXXX, XXXX at XXXX XXXX and XXXX XXXX, XXXX at XXXX XXXX. In the second call, Chrysler told me they would cure the debt by repossessing the vehicle. As this was the first time hearing about the car in over a year, I was confused. XXXX and XXXX XXXX had told me that the car would have been paid in full. I have spoken to XXXX and have been told that XXXX XXXX is no longer employed there. They also told me that the debt I paid off was for some other consumer debt with XXXX XXXX XXXX. I am not aware of any debt owed to XXXX XXXX XXXX. I have spoken to Chrysler, who told me they did not know anything about XXXX XXXX, XXXX, or XXXX XXXX XXXX. Chrysler has agreed to pay the car off and take title for {$8200.00}. I am not sure if the vehicle is worth that much, and I am concerned that I had previously been told that the vehicle was paid off. I believe that I am a victim of some scam with XXXX or XXXX XXXX XXXX. Further, Chrysler Financial has a debt collection agency hounding me with threatening phone calls throughout the day. They have called me at XXXX, and have told me they have come to my house on several occasions. However, Chrysler has told me they have not sent the repossession notice yet. I am concerned about my previous payments with XXXX, and what Chrysler is doing with repossession.
|
| 07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
|
| 03/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans.
On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile.
XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice.
I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date.
At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen.
Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title.
I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.
|
| 01/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently checked my credit report and noticed that Santander was reporting to XXXX and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches.
The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX due to a dispute and it needs to be removed from both XXXX and XXXX as well.
There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX.
I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA.
Please help me.
|
| 08/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!
|
| 07/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Two complaints have been filed against SANTANDER CONSUMER USA ( # XXXX & # XXXX ).
SANTANDER CONSUMER USA have violated my rights as a consumer therefore, a CEASE AND DESIST letters were sent. However, the debt collector SANTANDER CONSUMER USA is threatening to repossess the vehicle associated with the referenced account listed in the prior complaints.
By SANTANDER CONSUMER USA using profane language to repossess the property referenced is a violation of my consumer rights -- pursuant to 15 USC 1692d ( 1 ) ( 2 ).
As one can see in the attached content, SANTANDER CONSUMER USA has violated my rights as a consumer -- pursuant to 15 USC 1692e ( 2 ) ( A ) ( B ) because a false representation of amount of the debt as well as making an attempt to receive compensation by SANTANDER CONSUMER USA, a debt collector for the collection of {$1700.00} sent to the address ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ).
As mentioned before, letters were sent -- pursuant to 15 USC 1692c ( a ) no prior consent of the consumer ( myself, the natural person ) was given directly to the debt collector. Furthermore, SANTANDER CONSUMER USA may not communicate with the consumer in connection with the collection of any debt. Here is where SANTANDER CONSUMER USA violated my right as a federally protected consumer.
The letter sent on XX/XX/2021 contained more violations committed by SANTANDER CONSUMER USA.
First of all, the symbol of the debt collector is visible on the upper left hand corner of the content attached in this complaint -- pursuant to 15 USC 1692b ( 5 ) my right as a consumer was violated by including a symbol indicating that SANTANDER CONSUMER USA is in the debt collection business. Not to mention that at the very bottom of the content, it reads, " SANTANDER CONSUMER USA IS A DEBT COLLECTOR ... THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''.
Secondly, SANTANDER CONSUMER USA stated that the total amount now due is {$1700.00} which is a violation of my consumer right -- pursuant to 15 USC 1692e ( 2 ) ( A ).
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On XX/XX/XXXX, I went XXXX XXXX XXXX looking to finance a new car because I receive a call from the main office about an Independence Day sale going on. I went for a XXXX XXXX XXXX, which was around the price off XXXX and signed a paper saying I wanted to put XXXX down on the car and also that they can run my credit. A few minutes later the employee helping me came and said I got approved but because it too busy, the system is moving slow so just leave them with 10 % of the XXXX with him and just come back later on that week with the rest of the money and finalize everything ; I said okay cool no problem. I got a call later on that week saying that I can come in Friday. I when there on Friday and he told me that I didn't get approve after telling me days before that I got approve. But I did'nt make it a big deal or nothing I just went for a cheaper car around the price he told me XXXX. I choose the XXXX XXXX XXXX and we did the paper work and everything for the same downpayment but told them that I wasn't taking the car today because i have to go get the money from a different dealership. They told me they would give me the car and a deadline to bring the rest of the money so that the car can be officially mines, if not they will just repo the car. So on XX/XX/XXXX I drove down to the deanship to make the payment of XXXX and they told me they will notify me when to come and get my documents, but they never contacted me so I decided to drive down there XX/XX/XXXX and get the paper work. when I received it I told him that there was a error and that he should fix it. He told me that he used it for my taxes but that not what I I gave him the money for so I try explaining to him what he did was wrong and he did it without my permission because that money was for my downpayment ; he told. me it too late now its nothing he can do bout it. I decided to call my finance company and they told me to let the car dealership refinance the car or just cancel the contract but the salesman refuse to help me. So my finance told me to take legal action against them.
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep.
On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed.
On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX XXXX.
On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX.
On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.
|
| 11/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.
|
| 10/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Several years ago I cosigned an auto loan for a friend with Santander.
Santander would say payments were late the day after he'd just made a payment. He would contact Santander and it would be straightened out. Several times he worked out payment plans with Santander and he was assured everything was taken care of.
This seemed to happen quite often.
It seems the problem is the company 's lack of communication from department to department. The department he'd speak with making a payment plan somehow never advised the billing collection department that an agreement had been made.
Since I was not the actual owner of the vehicle ( just cosigner ) I was not really made aware of these issues. I'd receive a letter a few times and I'd be told it was all taken care of by Santander.
In XXXX of this year I was advised by the owner of the vehicle that the car was repossessed by Santander.
I was never given any notice that this was going on.
But my credit has gone down the tubes and Santander states I owe them {$5400.00}.
Nor was the owner of the car aware this was going on. In fact they were actually going to trade the car in the following weekend.
If you look at my credit records they are excellent except for this one loan from Santander. I find it unfair to hold me responsible for something I was never made aware of.
This ding on my credit report is causing me great hardship at this time.
I've read up on Santander and there are reports after reports of their poor business practices and lack of communication within their own company. They have recently gone through 3 CEO 'S.
I went as far as to email the CEO personally - to date I have not even received an acknowledgement to my email.
I do not have paperwork ( except for my letter to the CEO ) as it was always sent to the car 's owner - Mr. XXXX. He would also be happy to provide you with whatever you may need as he is the one who has been dealing with Santander all along.
I'd appreciate any help you can provide in clearing this up and getting it off my credit report.
Sincerely, LW
|
| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX.
This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month.
Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family.
XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit.
The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers.
Thank you in advance for your timely assistance in this matter.
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means.
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both.
The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees.
I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments.
Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already.
Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.
|
| 04/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.
|
| 01/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX XXXX and they did show me copies of the XXXX XXXX and the check that was sent to XXXX. XXXX was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.
|
| 11/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a care loan through Santander from 2013. I applied and was granted XXXX extensions on the account. However, they did not honor the extensions and reported that I was late. Since, I have appeared to be at least 60 days late! I have done a dispute via credit bureaus. I sent in the copies of the extensions and Santander " fixed '' a couple of months. Only to report badly and inaccurately again. After speaking to someone, countless times, I finally got a representative who told me that they only offer a certain amount of extensions. I informed this person that I DID NOT have that many extensions and her response was, " well, we count two at a time. '' I have tried to trade in the care hoping that leaving the company would help but since they are reporting that I am late, NO company will finance me. The end result of this was some concierge service selling my information to people and they kept doing hard inquiries for the care which damaged my credit score as well. I am financially responsible, as my credit cards and personal loans show my payment history is current. I need help and I have no idea what else to do. I have hired a law firm to help with this manner and they helped during the " dispute '' process that I mentioned earlier but the ill reporting started again. I am afraid to even make a payments as she told me once I make a payment, it will still show that I owe 2 months. The reps ' idea to remedying the problem was to make 1.5 payments each time. This ca n't be accurate. Each rep tells me something different. My car has been " assigned '' to repossession several times. These " people '' lurk and knock on my door threating to take my car at all times of the night. My car was even taken from a parking lot when the car was up to date. I hate to pat $ 100+ to get my car from an AUCTION. The second problem is that the amount on the car has not changed/does not indicate payments since I purchased the care 3 years ago!! It still shows {$13000.00} since day 1 of the loan. Please help me! I do n't know what else to do.
|
| 08/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Iin XXXX I was on the a bad car accident in my XXXX XXXX XXXX. I was financing the car through Santander Consumer USA. I notified them in XX/XX/XXXX that I was in an accident and that the car was not in good condition. The insurance company wouldn't total the car due to the air bags not deploying. I sent the car to XXXX XXXX for appraisal. I was contacted by the Collison department manager. He advised me that the damages on the car were more than what insurance would pay. He also advised me that fixing the car would not make sense because of the damage. I notified Santander Consumer USA of this on XX/XX/XXXX. I was advised that they would retrieve the vehicle from the Collison condition and auction it off. The rep stated that once the vehicle is auctioned. They would send me invoice for what was left owed on the vehicle. So they told me they would take it from there. After not receiving any feedback from Santander. In XXXX I contacted them inquiring on the status my account and what was the outcome. I explained that I hadn't received any communication from them. I was advised by XXXX in the Corporate office that they had abandoned the vehicle and didn't take ownership of the vehicle. I asked why hadn't I been notified of this, but no reasonable explanation was given. I was never notified or contacted by them. I stated that if that was the case thrm where is the vehicle? I asked why we're they putting the entire amount of the loan for the vehicle on my credit? I could've taken the vehicle my self. Thry didn't provide any proof of this. It never showed on my credit as a repossession. So basically they put this Vehicle ony credit as a charge off when in fact! They abandoned the vehicle. Taking no responsibility for it. So they say! Santander Consumer USA is despicable. They are crooks and misleading to consumers like me. They trying to ruin my credit because they failed to properly handle the situation. I feel cheated and robbed of my choice in this situation. The need to be held accountable.
Signed Disappointed Single Mom.
|
| 09/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms.
On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal.
As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it.
This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan.
This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.
|
| 05/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Santander has violated the consumer protection laws. I am proof of this.
As you may already know Santander are the prime example of a predatory lender. I have had my car loan with Santander for about three and a half years. I have paid this company {$15000.00} plus I paid a {$2000.00} down payment at the dealership, the car was listed at {$19000.00}. Through my own personal knowledge, I have paid more than 80 % towards interest instead of the principal. I still owe more than {$16000.00} on this car. I have all statements from Santander of my on time and late payments. I understand that interest rates will alway accur but not at this rate. I have missed payments, and I have tried to catch up on my payments, but with this loan there is no way to catch up or even pay it off. In XX/XX/2020, I attempted to catch up on my loan by paying {$1300.00} ( {$650.00} going towards interest ) and another on XX/XX/2020 {$510.00}. At this time on my online account my payoff quote was {$12000.00}, I can not find this in any past statements because they are no longer available in my account.
I was then laid off for again, came back to work with with less hours. I spoke to someone about this in XXXX. In that process Santander proceeded to contact people who were not on my account at all and they called daily, not just once but continuously. I have never added anyone to my account as person to contact. In XXXX I paid a total of {$1000.00} with only {$310.00} going towards the principal, {$680.00} towards Interest, and {$3.00} for an online payment fee. After contacting Santander because in XXXX our hours were cut again, I am expected to pay {$5600.00}. That will be the entire amount of the purchasing price.
In recent weeks I have received information about Santander 's lawsuits in regards to their subprime lending practices violating consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowling placed these consumers into auto loans that had a high probability of default. This is what has happened to me.
|
| 08/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In 2014 false papers was submitted to obtain a car loan and paying the loan has been a struggle I even asked to get the car refinanced for lower payments that was never approved I lost my income and the car was repo and one time and I'm still having hard times.
Also I qualify for the lawsuit for the giving me a loan I couldn't afford that I'm stuck with and it's been so bad I had to seek medical help for XXXX XXXX. ALSO my ex fiance has filed bankruptcy and has gotten his name off the loan which has made this even more of a nightmare Payoff Quote Account Number : Collateral : Payoff Amount : ( This payoff is good for 15 days from todays date ) Daily Interest : Payoff Through : To Whom It May Concern : This Payoff Quote is being provided in response to a request by the account debtor ( s ) on the account set forth above or their counsel. NOTICE : TO THE EXTENT THAT YOUR OBLIGATION WAS DISCHARGED, OR IS SUBJECT TO AN AUTOMATIC STAY UNDER TITLE 11 OF THE UNITED STATES CODE, THIS STATEMENT IS FOR COMPLIANCE WITH THE STATE LAW AND/OR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN ATTEMPT TO COLLECT A DEBT OR IMPOSE PERSONAL LIABLILTIY FOR SUCH OBLIGATION. The estimated amount to satisfy the above-referenced account is set forth above as the Payoff Amount. This estimate is good through the Payoff Through date set forth above. This payoff amount is subject to a final reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. This payoff amount does not deduct unearned premiums for ancillary products, such as GAP or Credit Life insurance, purchased and financed within the loan. Canceled ancillary products with unearned premiums received may be refunded, if applicable.Title will not be released until the above-referenced account is paid in full. Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after the Payoff Through date set forth above, please add ____________ for each additional day
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2020 I sent written communication SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the nationalcrediting reporting agencies on account number XXXX. On XX/XX/2020 XX/XX/2020 Isent written communication to SANTANDER CONSUMER USA dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO communication from SANTANDER CONSUMER USA. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing SANTANDER CONSUMER USA communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires SANTANDER CONSUMER USA to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. SANTANDER CONSUMER USA provided none of the above. SANTANDER CONSUMER USA continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentiallymakes them actionable by criminal complaint. SANTANTER CONSUMER USA has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from SANTANDER CONSUMER USA that they will not change the UNVERIFIED, INACCURATE, and INCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
|
| 03/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
RE : Account : XXXX XXXX - primary signer on car loan// XXXX XXXX co-signer on car loan CRPB Consumer Financial Protection Bureau : 1 ) Negative reporting notices sent to all XXXX credit bureaus 2 ) Inaccurate reporting on behalf of the Account : XXXX Santander Consumer USA informed the primary signer of the car loan that one of the methods of making car payments would be through XXXX Money transfers ( see attachment of XXXX Money transfer confirmation that payments were sent through their financial institution to Santander ). Santander in turn informs XXXX that they have " no records '' of " said payments '' even though there is a XXXX confirmation of payments from XXXX? It 's unbelievable that this continued to occur for three months? For the past two or more months monthly payments are now going through without a hitch thru " XXXX Money transfers '', ( Why is it that Santander can now receive noted payments from this entity now? ) Santander has reported to the major credit bureaus " 90 Day late status on this account '' UNBELIEVABLE and it is showing on my credit report that the account has been in late payment status for 90 days.
XXXX has called numerous times trying to clear this issue up without success ... the incompetent company 's customer services representatives were calling XXXX about late payments/missed payments while her mother was XXXX in a skilled hospital ( numerous times ) and have called me numerous times while I 'm at work and can not receive calls during meetings ( this is unbelievable and I wished that I did not co-sign on this loan with this particular company ).
I want this company to correct the wrong handling on this account by sending out a correction regarding incorrect reporting of missed/late payments ( 3 months of late/missed payments ) that is reflected on my credit report and on XXXX credit report.
I would like for the CRPB Consumer Financial Protection Bureau to also look into this matter and respond back to me on their findings.
XXXX XXXX, Oklahoma XXXX XXXX Copy : File CRPB
|
| 05/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We traded in a vehicle early and had an early termination of our lease on XXXX. The final play off check ( {$19000.00} ) was sent to Chrysler Capital by the dealership on XXXX. Chrysler Capital lost the pay off check and have admitted it was their fault but not until just last week. Because the check was lost and the lease not terminated our account became delinquent. We got the first notice on XXXX.
Chrysler Capital told the dealership that the check the supposedly never received was short and demanded more money from them ( {$490.00} ). The dealership send in more money on XXXX but not until we received another delinquent mark on our credit report. The additional funds were sent in by the dealership in the amount of Finally Chrysler Capital demanded another pay off check be send in for the original ( {$19000.00} ). In order to close the account. The dealership sent the check on XXXX and it was received and signed for on XXXX. Chrysler Capital admitted that for 12 days the were unable to locate this 3rd check and again we received another delinquent mark on our credit reports.
Chrysler Capital was finally able to find the check and post it to close the check. 65 days after I first spoke with them to try to find a solution. Now they are not responding with the needed information to update our credit reports.
Throughout the process I have been told countless mistruths, been given misleading fact, been told this was all my fault. We have been promised but never received a speed resolution, call back from managers, and documentation. You are unable to reach directly those people who are assigned to you account. You are unable to reach managers. Emails are never returned.
We are in the process of buying a home and closing is contingent on Chrysler updating our credit and providing necessary documentation. They have known from day one that this is a time sensitive request but have made no good faith effort to resolve the issue which will potentially cost us thousands of dollars and the lose of a custom built home.
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have filed a complaint with all credit bureaus regarding Santander USA including the cfpb. I have requested documentation stating that the Santander account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or Santander. Santander did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by Santander through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. Santander also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. Santander USA needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
|
| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
I have disputed the Santander USA account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account XXXX just sends back a notation that the account has been updated. And trying to reach a human being at XXXX is impossible. Their automated telephone service constantly malfunctions and hangs up.
They are currently showing the account as 180 dayspast due because XXXX infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XXXX, which gives them a new 7 years to report it.
How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to XXXX after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life!
After repossessing the car in XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them.
I learned Santander is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX is a very unethical company they have purchased debt from Santander consumer claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " Santander transaction history '' as if the file sent was from Santander when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. XXXX claims I owe XXXX and Santander said I owed XXXX XXXX management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the CFBP needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're screwing them to collect dollars when you bought the debt for pennies. Its disgusting.
|
| 06/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hi, Regarding Loan # XXXX When I took this loan out it was at a 17 % interest rate. Ive paid close to {$24000.00} and XXXX XXXX paid over {$6000.00}. I got in a car accident on XX/XX/XXXX I literally had just made a payment that morning before the car accident. I was told that they would be willing to settle at the beginning of XXXX. On XX/XX/XXXX a check was disbursed Santander claim they didnt receive it. That happen 2 more times in a 4 month period until it was paid finally in XXXX of XXXX. I went to file a claim for Gap insurance I took out when I received the loan. They did not give me any information on the criteria or policy for payouts. Santander multiple times express when the check comes in they would back dated. They intentionally did not post 3 checks from XXXX until we literally tracked the 4th one. I called and told them we had proof someone from there office signed for it and then it get posted by this time my loan is now with the charge off dept. this should not ever happened it was intentional. They wanted me to continue to make the payments and collect the settlement amount from XXXX. They agreed to this settlement amount but continue to reach out to me for the remaining balance of over {$4000.00}. If anything they should be giving me a 3rd of what I have paid back and apologizing for not holding the loan in a status where it would not go to the charge off queue backdated the check so it would post accordingly without all that extra17 % interest occurring on a DAILY SIMPLE INTEREST LOAN!! They truly ripped me and my father whos XXXX years old hes had 4 XXXX and this has impacted us in such an emotional, physical and financial way that I have no words to say only thing I can do now is file a complaint. Lets be clear I paid that loan without any issues if I needed help I made them fully aware with this unrealistic interest rate of 17 % with a co-signer and it being a Daily Simple Interest loan. Im so angry and hurt with all of this. This is highway robbery.
Thank you for your time, XXXX XXXX
|
| 01/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I am being harassed, threatened, and my private information is being sold to companies that I did not give consent to contact me. I dont feel safe anymore and my personal property was stolen because Santander consumer Usa has shared my private information with 2 other companies and I have an active cease and desist out against Santander . My car was stolen from in front of my friends home on XX/XX/XXXX after Santander violated my right to privacy! They sold my information to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never gave them consent to give out my location information or any of my personal private information to these companies! This is my third complaint against this company with the cfpb and they are continuing to threaten, harass, and abuse me. I dont feel safe with this company continuing to violate my right to privacy along with the numerous other federal laws that they are violating! I have sent this company two affidavits of truths that were never rebutted and a cease in desist. Ive also asked this company for verification of the debt? They have directly violated the fair debt collection practice that states if a debt is disputed the debt collector shall cease collection of the debt. The debt was disputed in XXXX of XXXX and within the affidavit I sent them I specifically requested that my information not be shared and they have not only shared my information with these two companies that came to my friends house and stole my car but also have been reported on my credit report. This is ridiculous the amount of harassment I have endured from this company. They illegally repossessed my vehicle and is threatening to sell my vehicle at an auction on XX/XX/XXXX. And I demand that my vehicle be released and returned to me. I have lost out on business due to my car being stolen and this has caused alot of mental anguish. The company is trying to provide a deceptive contract as validation but I asked them for verification and they never responded. Santander is participating in racketeering activities!
|
| 10/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Sometime between XX/XX/2018 I contacted Santander to make the XX/XX/XXXX payment by phone using a credit card. The company refused payment, claiming they don't accept credit cards. I advised that I have a XXXX XXXX XXXX & the credit card is my only option for payment for the next few months. Santander advised that I find a way to pay using the card elsewhere when I complained that I should have been told this when the loan was offered. I contacted the company again in XX/XX/XXXX to explain that the credit card was my only option for payment & I would be late on payments until I could figure out how to use the credit card/get cash off it to transfer to Santander. I asked that they explain the terms of the penalty for late payment & the rep advised that the car isn't repossessed until at least 120 days past due & even then, there is a program to prevent repossession when significant hardship exists ( such as a XXXX XXXX XXXX ). However, that rep was not referring to the state laws where the vehicle was repossessed & a repossession notice was sent in 30 days to the old address XX/XX/2018 because the company failed to update the address when I contacted them to update it in XX/XX/2018. I found out about the letter ( XXXX letter, state of Minnesota ) when I called to modify the loan XX/XX/2018 & learned the car was " up for repossession ". I was then told that the company would work with me to resolve the payment issues without repossession. On XX/XX/2018 the car was repossessed while I was sleeping overnight & the company 's reinstatement rep advised that because I " missed ONE call '' 4 days prior, that they " thought '' they weren't a priority & repossessed the car ''. Not because I actually defaulted on the loan or told them I would default but because they called & didn't get to speak to me due to my being in meetings /driving & them not calling to follow up more than once, they repossess the car & tow it over an hour away because they assumed they were unimportant & could take the collateral for the loan.
|
| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
Leased a vehicle through chrysler capital XX/XX/XXXX. I moved forward with buying out the lease XX/XX/XXXX/XX/XX/XXXX, as my spouse was pregnant and this was the best decision for my family. My spouse and I worked with our credit union to buy out the lease. When the pay off amount was given to my spouse and our lienholdder, they both questioned Chrysler on several phone calls asking if the state sales tax was in fact included in the pay off amount. My spouse and lienholder were advised on three separate phone calls that the sales tax was included in the payoff amount so there was no need to pay the DMV directly. These phone calls are recorded and on record with my current lienholder.
Fast forward to XX/XX/XXXX - the DMV is not allowing us to re-register my vehicle because the sales tax was not paid. We contacted my lienholder who stated this would 've been paid by Chrysler since the amount was sent in the pay off check to chrysler when the lease was bought out. We contact chrysler who stated they would look into it and get back to us within 72 hours. 10 days later, we still did not hear back, so we called chrysler again. Chrysler stated their procedure state That CA sales tax must be paid to the DMV by the individual. We escalated the call and requested that all calls be pulled as not only myself and wife, but my lienholder was advised the sales tax was included in the pay off amount. Chrysler stated they would research further, but it is not in their policy/procedure.
My wife is currently out in XXXX leave, as she had a XXXX a few weeks ago. My registration is past due and the DMV is now charging a late fee. With XXXX income for the next few weeks, I am not sure if I can pay this out of pocket. This is a significant expense that I was advised was financed into the loan.
I 'm not sure if I have a case here, but I 'm desperate to find out what my rights are. I am XXXX military and do not want my command or the military police to suspend my driving privledges on base due to an expired registration.
|
| 06/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
I opened an auto loan with Santander Consumer Inc. XXXX of XXXX. My first payment was XXXX of XXXX. My credit started reporting from that point, I made payments on time and in full. In XX/XX/XXXX, I joined the military. While in basic training, my mother was granted access to my account to make payments, she received a noticed that because I joined the military, I would receive a discount of {$100.00}. Taking my payments from {$350.00} to {$250.00}. Once I was out of basic training in XXXX of XXXX, I checked my credit report only to see that my account with Santander Consumer Inc. was no longer reporting and the account was taking off my report. I reached out to the company where I was informed the reason why was because of SCRA. I told the agent I was aware of SCRA however I didnt consent to this action. I was sent a waiver through the mail to sign, to agree for the continuance of the reporting from the company. Once the paper was signed I was told that it would take 60-90 days. I reached out to the agency in XX/XX/XXXX. I was told that the information wasnt received, a week later I was told that the information was received and that it was being sent up for a review and it would take 60-90 days for it to report. The account never reported, I called in XX/XX/XXXX & was told to contact the three major credit bureaus, the company stated the information was sent to them & that it would be up to them if they wanted to added the account back to my credit summary. I reached out to the credit bureaus and I was told that there wasnt any documentation sent to them in regards to this account. From XX/XX/XXXX until current of XX/XX/XXXX I have been back & forward with Santander Consumer Inc & The three major credit bureaus about my auto loan account being added back to my credit report and nothing has been done. I was informed by the credit bureaus that they dont added, modify, or delete accounts it is in fact the company. I have been attempting to get this problem fixed for over a year & nothing has been done.
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
During the past several months I have try to resolve a situation with inaccurate reporting on my credit report regarding Santander Consumer. I reached out to the company several times an attempt to resolve this matter by even faxing over documentation that was mailed to me by the New York state general. Santander Consumer was ordered in court to resolve and delete any debt owed in between several years expand due to fraudulent loan high-interest and knowing that consumers will not be able to properly payback on time due to high interest rates which was unfair to Consumers they preyed on consumers with not so much of a good credit and knowing that they did this in a selfish manner of trying to make money illegally. Needless to say I fell victim to the situation and I regretted it ever since. I have also reached out to the credit bureaus and for investigation into this matter because after speaking with the company Santander Consumer they instructed need that they notated on the account and that it will be deleted eventually because due to high volume of account he asked me to be patient. The supervisor asked me if wanted to speed up the situation that to place if disputing with the credit bureaus and it will be notated on the account and it should be deleted within 30 to 45 days. This never happened and now I'm very frustrated and confused about the situation. I've reached back to New York state general office emailing them regarding that I have an issue with them following court orders with deleting the account from my credit report. They also asked me to be patient. This account should have been deleted long time ago especially after faxing over the same letter that was mailed to me from the New York state general office regarding being qualified for the multi-state settlement. This is the website where you can find more information regarding the multi-state Settlement athttps : /XXXX/. I can also be reached at XXXX. I asked for this to be deleted which doesnt violate my rights, thank you in advance.
|
| 09/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I went into XXXX XXXXXXXX XXXX XXXX XXXX, on XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. I purchased the vehicle while under mental duress, had been hospitalized prior to and was under medication. I worked with XXXX XXXX someone I had thought I could trust.
The sales process took a very long time, I was given an interest rate around 20 %. I was told my credit would drop and it would hurt my ability to shop around. I was encouraged to omit information about my income to qualify for the loan, I was concerned of consequent and they assured me it was normal. I know I was sold a car loan and they are profiting very much off of my struggle. Im paying XXXX for a car that has had to have its engine replaced. I purchased the car on XX/XX/2017 and have made all payments. Ive called for assistance to cancel the loan and return the car and told that wasnt an option. I also feel this deal was related to my employment with XXXX XXXX, the manager of the dealer ship had done business with the entity I worked for and I had heard from his trainer who actually trained his wife that there was infidelity. Thats information that was privledged and I didnt need to know that I feel influenced someone to work against me instead of with me for help I requested. While That may not be the case, its confusing why I was encouraged to omit info and I also called Chrysler capital to try to get help. My balance is around XXXX, and with the payments set the way they are I will have laid XXXX for 72 months for a car advertised at XXXX. This loan is designed to make the car cost about 2x what I was lead to believe. I was also told the loan was only good for that day like a do it now or lose deal, as they mentioned it would hurt my ability to shop at another dealership for running my credit.
Please help, Im struggling a lot with mental health as well as paying this bill. Weve lost important family due to COVID-19 and I desperately need a way to lower this payment or get rid of the vehicle, I am unfortunately at risk for repossession.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I contacted the company to accept their offer to settle the account and update my credit report.
On XX/XX/XXXX I sent the following letter to Santander Consumer USA.
I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report.
The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX.
However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.
|
| 07/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.
|
| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I received an email from the lender on XX/XX/XXXX regarding assistance programs offered. I reached out to lender on XX/XX/XXXX and a rep mentioned extensions and payments arrangements. I proceeded to set up a payment arrangement, but rep advised me to call the assistance team. I called and spoke with a rep who asked me a series of uncomfortable probing questions such as : 1. When did your financial hardship start?
2. How long do I inticipate being in a hardship?
3. What is my back up plan for meeting payment obligation?
4. When will I resume work?
5. What can I pay?
Etc.
I asked if these questions were apart of the payment arrangement process, and I was told, that my account needed to be reviewed further. Also, the answered questions would help to determine if assistance could be provided. I informed the rep that I was affected by COVID-19 pandemic, and was also an XXXX. I explained I have experienced hardships since the beginning of the pandemic. Since I have requested assistance in the past, that process was fair and non-invasive unlike this current experience. He concluded that I was denied for an assistance program, and he transferred me to his supervisor.
When I spoke with the manager, I asked if the company had a maximum allowed number/amount for utilizing payment arrangement or extensions within the assistance program. She said no, but then told me that the reason I was denied to make a payment arrangement, was because I had set up too many arrangements in the past. She also refused to explain the company policy for customers who suffered hardships from COVID-19 pandemic. She claimed she did not know the corporate email address, so she put in a call back for an executive to reach out. I asked if there was something in writing detailing requirements for the assistance program, she claimed it did not exist. The experience seems discriminatory, because I was notified about assistance programs, and the reps completely refused to allow me to access account services like other customers.
|
| 08/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
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.
|
| 08/17/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.
|
| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My XXXX XXXX XXXX XXXX XXXX was totaled in a non fault accident on XX/XX/XXXX. The vehicle was a lease. Chrysler received {$31000.00} from my insurance carrier on XX/XX/XXXX.
The payoff on my XXXX was only {$20000.00}. Both XXXX & Chrysler told me the overages are equity since the value of the car was paid & would therefore be paid to me along with my XXXX & XXXX car payment that I made after the car was deemed totaled.
To date, I still do not have any of this money.
They wanted my bank statements showing I paid my monthly payments even though they were posted & cleared on my account. The insurance money, they said they were holding for 45-60 days.
After many phone calls & lots of fighting Chrysler said they issued me two checks on XX/XX/XXXX. One check for {$240.00} for my XXXX car payment & the second check for {$10000.00} for the insurance overages. They sent the checks to my mom at an old address. My mom is a co-signer on the account but I pay for the vehicle & they have my correct address & information.
I was not informed that the checks were not sent directly to me nor was I informed that they received the checks back in return mail. I found out when I called them on XX/XX/XXXX to check the status of the check processing.
On XX/XX/XXXX they assured me the address was updated & the checks would be reissued with in 72 hours. As of today, still no checks.
I called Chrysler again tonight. I was hung up on. Transferred several times to be told that they can not tell me the exact date the checks were reissued or what address they were reissued to. They told me they would email the accounting department & I can call them back Thursday.
This is whole situation is completely unacceptable! I have made countless phone calls to Chrysler since XXXX. I have been given misinformation & lied to several times.
I need my insurance money to get another vehicle. I still do not have a car after 4 months. Chrysler also still hasn't issued me my XXXX car payment. I don't know what to do at this point.
|
| 05/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
on Saturday XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX XXXX Located at Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX to see if we can get a bigger car for our family of XXXX people, then since I get in contact with the sales team I ended up signing a contract without knowing the impact that will happen in the future. my concern is how they trick people during the paperwork process, the Sales person named XXXX XXXX convinced me about an Internal Insurance, that will protect the purchase if something happened like damages in the engine and parts and another many stuff which in other words is a SERVICE CONTRACT I asked him many times if i decided to withdraw later on their " insurance '' that how he explained me my monthly budget for the car payment supposed to be {$500.00} per month, and with their insurance protection will cost additional {$220.00} " subject to change if I decided not to keep their insurance.
40 days after the purchase on XX/XX/XXXX I went to their service center, the vehicle had a weird noise in the engine, I was afraid because i drive the vehicle only for couple of days.
I realized that I have to pay for the repairs, I complaint with the service center team because sales told me beside the insurance also told me 90 days guarantee if something happened.
ln XX/XX/XXXX I have to come back due another noise with the vehicle and I had to pay {$150.00} in the service center, as per today 's the same vehicle has the check engine signal blinking in the car tablet.. I call the to take the vehicle and is very hard to get an appointment with them I considered that " INSURANCE '' or Service center is not worthy and is a trick for them to get money from customers XXXX XXXX never mentioned that they will add the insurance the service center in the loan which was {$3000.00} and increased my monthly payment to {$710.00} per month During this pandemic time my family budget is tight and became to a hardship situation and when I called the bank that's how i realized that they lied to me.
|
| 07/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.
|
| 07/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Older American |
|
In XX/XX/2016 my daughter and I purchased a XXXX XXXX XXXX XXXX from a dealer in Nevada. WE were never allowed to test drive the unit but were told that what we wanted was there. Had to have rear air, I am XXXX now and XXXX when we left with the car I ended up in the XXXX that night so nothing was checked. They had the other car the keys were turned over to them. We did not find out until we had to go to XXXX that there was no rear air in the car. It was so hot and we had our service dogs in the back. It was so hard on them to the extent we almost lost XXXX of them and then the car broke down half way there. I had my daughter put on it on XXXX and the car was replaced with what we were told was there. We signed papers once again that everything was ok. Then we ended up a third time having to sign papers once more. All this time they had our old car in there possession. Then 3 month later we find out it was not a trade it was a repo. We have never had a repo on our records ever. We have once again put them on XXXX. The managers states if we go back to Nevada he will get us a car but I am very afraid of this man and what they have done. I can't go back so we tried to get a XXXX that will help my daughter get the my scooter in the car and also have the service dogs with us safe. The way it is now it is an Issue. She is XXXX and cares for me did not put me in a home she is always there. Because of all of this we lived in the car for 8 months sleeping sitting up. ended up in the hospital and she slept in the cold outside of my hospital bed room. The XXXX we need is very important to our survival. Plus they should not be allowed to cheat the elderly like they did us now it is hot and really uncomfortable I will post this any place I can. We are good people and do not deserve this. I have sold or given away everything I have my moms chair and my bed that I have had since I was XXXX XXXX XXXX. Throwing more and more out just trying to get the XXXX that will help us survive.
Thank you XXXX XXXX XXXX
|
| 06/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am contacting you in regards to a vehicle loan I had with XXXX XXXX up until the beginning of 2017. I have tried for well over a year to have XXXX XXXX explain to me why I owe them any money to no avail.
Back in 2017 my vehicle was stolen. I reported the theft to the police and within days the police found the vehicle. I also reported the theft to my insurance. After it was found, my vehicle was impounded for evidence by the police and held at a towing facility. During this time, I was in constant communication with the police, the insurance company, and the finance company. Short of the fact that the police department was not releasing my vehicle, everything seemed like it was going good. The insurance company said they would check the vehicle out to see if they were just going to total it or pay for the repairs and give it back to me. It wasn't until several months later when the insurance still was unable to view the vehicle even though they had been asking to for months did I get seriously concerned. It turns out my concerns were warranted.
Not only did the insurance never got the permission to inspect the vehicle, but the vehicle was somehow given back to XXXX XXXX and XXXX sold it at auction!
I tried to figure out what was going on since I was up to date on my payments but I never got anywhere with the police or XXXX. They simply placed a charge-off on my credit report after the vehicle was auctioned. I then decided to talk to a professional about this. I hired a company called XXXX XXXX XXXX to help me with this situation. They also worked on it for months. XXXX XXXX XXXX gave me a very detailed description of their investigation which I will forward to you. Honestly, that letter describes my complaint very well and details exactly what happened to me and how I've been taken advantage of by XXXX XXXX. I'm at the point where either this complaint will get XXXX to realize they are breaking the law and to stop trying to collect a debt I should not owe or I will have to sue them.
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My family and I were and have been deeply effected by XXXX as many have. I lost my job immediately in XXXX of XXXX and did get another till just this past XX/XX/XXXX. The lender was helpful in beginning and able to put payments at end. I was in contact multiple times of my situation. Then fell so behind this past XXXX into XXXX. They said no more XXXX help even though many of deeply impacted and still feeling effects. I cant loose my car, or I cant work. I am trying to catch up as I resumed work and prayed and begged for help. I would with everything going on they would help see by payment while XXXX was large a few small that was trying. I had fallen almost XXXX behind because of XXXX out of work. Every other bill from utility to mortgage has been forgiven and worked with us. If they would help with the amount of XXXX I fell behind on and move to end so I could get caught up and back on track now that I am working that would beyond a blessing but instead lets kick us while we are down threaten to take car and now I go to make a regular payment for XXXX only to find out they charge off account. I need my car and I cant just go get another. I am desperately trying and have been in contact countless times about this. XXXX is not made up and many of lost work and regular wages and while for many life resumed to normal it not for all. Everyone circumstances are different every one has struggled and I just think in a time where this deeply effected us and still has an impact and we are trying to come out the other side and survive this they should be willing to help more or make the situation worse and more stressful for those of us trying so hard to come back from something we never planned for and that was complete out of our control. My hope is this will urge then to help more and not charge off my account but work on my balance I fell behind on so that now that I am working I can make my regular payment. Very hard to do so when you cant pay the XXXX in XXXX lump. I just pray they will help.
|
| 06/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I mail a certified signature letter on XX/XX/XXXX regarding Santander Consumer to alleged validate the debt I owe, request a Auction Sale Receipt and XXXX. Santander received it on XX/XX/XXXX sign by XXXX XXXX. You clearly stated you received a letter on XXXX XXXX. Which is incorrect and misleading. The return receipt, a copy of which I enclosed, was signed on ( XX/XX/XXXX ) by XXXX XXXX. So how did you receive a dispute letter on XX/XX/XXXX when I have proof of it being sign on XX/XX/XXXX by XXXX XXXX? You stated you took repossession of the vehicle at on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX where I live. So how is mail going to XXXX XXXX XXXX XXXX XXXX, GA XXXX?, when clearly thats not where I lived nor never live. Georgia Code Section 10-1-36, The lender must notify you of your rights to redeem the car within 10 days of repossession which Santander Consumer USA failed to do. Never send anything certified mail of date, time and location of sale to my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX where the repossession took place. Santander Consumer USA failed to send required notices, follow certain GA rules so my attorneys will be sueing company for damages. More than thirty days have passed, and I have not yet received proof that you have validated the debt, or send original copy of Auction Sale Receipt and XXXX. Please be advised that by law your company is required to respond to my request within 30 days. Today is XX/XX/XXXX and havent received a validation of the debt you say I owe, Auction Sale Receipt and XXXX. Your company has failed to follow such guidelines and is in violation of the Fair Credit Reporting Act and may be reported and investigated under these circumstances. Therefore, in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, inaccurate can not be reported to any credit bureau , I request that you immediately delete this information from my credit report on XXXX , XXXX and XXXX .
|
| 09/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company Santander Consumer USA sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that Santander Consumer USA reported me to all XXXX of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to Santander Consumer USA to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from Santander Consumer USA I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and Santander Consumer USA send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what Santander Consumer USA sent them to prove this is my account. I received nothing again. So, I sent a letter to Santander Consumer USA asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but Santander Consumer USA refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to Santander Consumer USA on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX Santander Consumer USA charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
|
| 10/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This all starts out with Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX.
On XX/XX/XXXX the debt was sold to XXXX XXXX XXXX. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted XXXX XXXX XXXX by mail to dispute the collection and included a copy of the CFPB complaint against Santander, as well as, a copy of the Multi State Class Action Settlement against Santander and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX.
I also spoke with someone from XXXX XXXX XXXX over the phone a few days after the letter was mailed and informed them of the letter as well. Santander themselves also instructed XXXX XXXX XXXX to cease all collection efforts after they received my complaint from CFPB.
I received a notification on XX/XX/XXXX that XXXX XXXX XXXX has reported a collection of {$12000.00} to the credit agencies!!
Now, for me to dispute this collection and Santander instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and Santander 's request is outright wrong!! Not to mention, this account should have never been sold to XXXX XXXX XXXX in the first place!!
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Santander Consumer USA was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release.
According to the release, Santander allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ).
Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release.
Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, Santander reportedly sent incorrect information on millions of accounts to the CRAs.
Aside from the {$4.00} XXXX civil penalty, the ruling requires that Santander must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated.
The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to Santander. The agency said the lender knew something was wrong as early as XX/XX/XXXX.
The order indicated that Santander must submit a detailed compliance plan to the CFPB within 45 days.
The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX XXXX research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and XXXX percent said they prefer it that way.
British banks including Santander, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.
|
| 04/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I lost my job on XX/XX/2020. Last week I requested to defer payments for my car loan and was approved to defer the next payment to XX/XX/2020. The lender send me an email confirming this on XX/XX/2020. This morning XX/XX/2020 the lender submitted a debit against my checking account for the payment that was scheduled for XX/XX/2020. I contacted the lending institution to inquire and they advised that while I was approved for an extension of the due date the auto pay function in their system had not been disabled and had to be requested separately. On XX/XX/2020 I requested to have the auto bill pay functionality turned off. The lending institution advised I would have to dispute with my bank. Note : When the request for an extension of due date was made verbally the lending institution did not advise that the auto bill pay function had to be requested to be disabled separately and the email received confirming approval of change in due date did not advise that the auto bill pay functionality had to be disabled. On XX/XX/2020 I contacted my bank to initiate a dispute and also put a hold to decline any future transactions from the auto lender ( which I will have to have removed when am able to resume payments ). My bank also advised this hold may or may not stop the current payment and if does not will have to wait 3 to 5 business days before disputing. I have no concerns with the handling by my bank. IMPACT TO ME : Currently I have XXXX XXXX available in my bank account. While I have filed for unemployment and am actively looking for work I have no idea when or how soon I will get any income. FEEDBACK TO LENDER - when an approval is made to extend payments your system should be able to recognize this regardless of if the consumer is enrolled in auto pay. You as a lender have an obligation to either 1. Ensure the auto pay function honors the new due date, 2. cancel auto pay without requiring consumer to request, and/or 3. Advise the consumer they must request to cancel auto pay.
|
| 03/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2020 and XX/XX/2020 I made two payments in the amount of XXXX dollars both of which are XXXX over the amount due. On XX/XX/2020 Santander Consumer USA reversed both of the payments in their system, and reported to my credit that I was 80 days past due, and the payments were still taken out of my account but showed as not payed in theirs. When In fact I was three payments ahead. I called them to report this error, They admitted they had made a mistake and said that making payments ahead had messed up their system, they corrected this problem after having to call in multiple times, and messing up my credit entirely. Since this incident I have made multiple big payments the last of which was XXXX dollars none of which went to principal as you can see in the statements connected. I have now paid well over XXXX dollars on an original loan of XXXX and my loan amount still states that I owe XXXX dollars with a pay off amount of XXXX. I have inquired multiple times about the " misc '' fees added to my account in which they can not explain. I have also requested all my statements and transaction history in which they state they only have until XXXX XXXX and can not give me any previous to 2020 since they only keep a years worth of records. Every time I call in to ask why my payment isn't being allocated as they have stated in each call they give excuses and I again verify how my next payment will be allocated and each time I am assured it will go to principal and it never does. I have recorded the calls with this company and each time and told something that completely contradicts the last. I have spoken to the executive office probably over 40 times in the last two years and each time am assured its going to change or be corrected and nothing ever is. Again I have been paying this loan for well over two years and have even made payments of a XXXX dollars and always pay more than is due. To date I have paid over XXXX dollars and still owe XXXX to pay off. How is this possible?
|
| 03/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.
|
| 01/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.
|
| 08/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.
|
| 09/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot
|
| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement.
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file.
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.
|
| 12/11/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was involved a severe accident on XX/XX/XXXX. I promptly contacted my insurance provider, XXXX, to notify them and begin the claims process. To my disbelief, I was informed that NONE of the damages to my vehicle would be covered - but that XXXX would provide coverage for my medical bills and the other involved parties expenses. While I am relieved to receive partial coverage - I am absolutely frantic that there was a discrepancy within XXXX that has allegedly disqualified my vehicle from the " full coverage '' that I and my lienholder ( Santandar USA ) believed to be in place. According to the XXXX representative that I spoke with, an inspection was required to retain Comp & Collison coverage, which was removed on XX/XX/2015 - a month after starting my policy with them. The XXXX representative stated a certified letter was mailed to notify of the change in coverage. However, she could not produce a copy of the letter for my records after requesting one. The representative also stated a letter was mailed to Santadar, however a copy of that letter could not be reproduced either. Santandar has no record of receiving a letter.
me which I never received and also to my lender who also claims they never received this letter which claimed I was required to bring my car by and have it inspected for current damages. The number of time I have called to make payments or to get a quote on adding someone to my policy I was never informed that this crucial part of my " full coverage '' insurance was missing from my policy. Today my car sits in a junk yard because XXXX has also refused to at least for the inconvenience of the mess I am in to send out and adjuster to at least appraise the car for said damages so that I can file my my claim for gap insurance through my lender which is. So as it stands I now am responsible for XXXX with an open car loan and no means of transportation to get to the 3 jobs I work in order to pay my bills. I also can not get financed for another car.
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
|
| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
SANTANDER CONSUMER USA was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. SANTANDER CONSUMER USA was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX XXXX, TX XXXX delivered XX/XX/XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course by furnishing the original contract that I rightfully requested per Texas Administration Code Title 22 Part 22 Chapter 501 Subchapter C ( a ) ( 1 ), to send me the accounting and True Bill not a statement, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus and {$10000.00} per month following dishonor in 30 days as required by law. SANTANDER CONSUMER USA did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
|
| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a vehicle through the dealership vroom on XXXX. XXXX does not have the tittle to this vehicle and i am actively trying to resolve that issue. In the mean time this vehicle has been unregistered and such un driveable for months. I had put XXXX XXXX down and only financed this vehicle to help cover the registration costs. My problem now is with the finance company. Since they have no tittle either. They are not legally a lein holder on this vehicle. The contract is incomplete and they have no right to be charging me payments and interest on something i have yet to receive. The finance company is Santander consumer USA. I have been in contact with them numerous times over the past several months and they have been of zero help in this situation. I have been told there is no time limit on how long they can take to complete the paperwork of the loan. I did inform them that Florida has a 60 day time limit for such scenarios. Theyre only resolution they have given me i was told its completely up to you if you want to make the payments which is extremely unprofessional but also false. I will continue to be charged interest until they take the vehicle and keep my money if I dont make the payments. I have since demanded that Santander puts a pause on my loan and stops charging me payments and interest until this is resolved. Unfortunately they are unwilling to help what so ever. At this point i demand a full refund of all payments and interest i have been charged until this problem is resolved as i feel they have no legal right to charge me anything until we can figure out who the legal owner of this truck is and they can be listed legally on the tittle as the lein holder. I would also like to add that i can email copys of the contracts of this vehicle and the paperwork i have received from the Florida XXXX regarding theyre investigation into this problem as these documents are to big to be uploaded on the initial filing of this complaint on this website.
|
| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
As part of the negotiation for my new lease, XXXX XXXX XXXX of XXXX sent me a check for the final payment on my old lease that I was to forward to Chrysler Capital. I diligently did this in XXXX however shortly after I started being hounded daily that there was a deficit on my account in that amount, which then began accruing late fees. At first everyone I spoke with at Chrysler Capital " saw the issue '' and was going to note to their manager and make a record in the system, but nothing was ever resolved. Eventually I escalated to " the executive office '' who after researching informed me that they did indeed have record of the check, but that they issued a refund to XXXX XXXX XXXX of XXXX without my knowing. However XXXX XXXX XXXX XXXX XXXX claims that they do not have record of this refund, only proof that Chrysler Capital did indeed deposit their check ( which they've shared with me ). They requested that Chrysler Capital share similar proof and/or a reference number to track the refund but Chrysler Capital claims they " don't share that information '' which is a red flag for me- how then is anyone to believe that they issued the refund? I've written letters disputing the amount and they just continue to have random representatives call me for payment. This has gone on for 3 years and I am now at the end of my lease. Needless to say I'm exhausted from arguing with them. As I've refused to pay anything over my usual lease amount each month, I've now accrued a total amount due of over $ XXXX ( My old lease payment of {$280.00}, so everything above that is " late fees '' ) which will need to be paid by XX/XX/XXXX to prevent it from affecting my credit. My choices now are to pay that amount or go through the trouble of hiring a lawyer. This feels like a classic scam as Chrysler Capital refuses to produce proof of the refund issued to the dealer, the dealer won't help without the check reference, and there seems to be nothing I can do to end this but pay.
|
| 08/19/2019 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I got an auto loan with Santander Consumer USA in XX/XX/XXXX. I set up auto payments before I left off to XXXX XXXX that XX/XX/XXXX. There was a mishap and I missed some payments and they charged my account off but never had possession of the vehicle , I finally figured out what was going on and caught my payment sup to date. Fast forward to XX/XX/XXXX when I'm still making monthly payments on a CHARGED off account. I decided to go XXXX XXXX and sent in my contract to Santander Consumer USA. I was told about SCRA benefits and called and the benefits took affect almost immediately dropping my interest rate to 6% and they stopped reporting to the credit bureaus, which they did. I was monitoring my credit and seen that they removed the reporting so I called and double checked and made sure everything was okay. The representative then told me to sign a waiver so they could start reporting back , at this time in in XXXX so they were to take our phones and I will not have any access to keep communications with them. They waiver was sent to my home back in XXXX XXXX while I was in XXXX XXXX, XXXX. So there is no way I could have signed the waiver they sent out and I clearly have military orders stating I would be in XXXX at that time and had no access to that waiver. I called and constantly begged for them to do the right thing and delete the account from the credit reporting but they will not. Its getting to the point where I would want to take this legal but I do not have the funds or time , that being I am constantly training and away from home due to being XXXX XXXX military. My father whom has XXXX , thought it was his mail he received. can clearly see the dates I was not at that location and I tried an call to explain the case but they ere not listening . any human being with common sense could see those dates are not matching up. I even tired once I got XXXX for operation faithful patriot and they still did nothing about it , by obeying their policies.
|
| 01/31/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect.
I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received.
On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected.
*I 've asked that this company not to call my employer ; but continue to do so.
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc.
*This company did not do any verifying of person they were trying to reach.
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies.
I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.
|
| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XXXX of XXXX I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX
|
| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.
|
| 08/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX.
So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years.
The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate.
Santander Consumer USA provided them with an overstated loan balance than what we actually owed.
As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander.
Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX.
We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX.
Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint.
To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US.
We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us.
We will appreciate your assistance to recover the sums owed us please.
Kind Regards
|
| 06/16/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
I entered into a lease contract with Chrysler Capital in XX/XX/XXXX I was unhappy with the vehicle and wanted to trade it in. I went to XXXX XXXX and negotiated with the salesman for the purchase of a XXXX XXXX . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the XXXX . I advised him that I did not want to put {$3000.00} down on the XXXX because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the XXXX but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In XXXX I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the XXXX to XXXX XXXX however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the XXXX or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.
|
| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
|
| 11/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
We bought a XX/XX/XXXX Honda Ridgeline XXXX in Arizona. XXXX XXXX financed our vehicle through Sentander Consumer USA XXXX. Sentander, never mailed us any financial paperwork, with our account number, or their company name, prior to our first payment being due.
When they did contact us, we immediately sent the payment through XXXX XXXX Bank Bill Pay. Sentander then accredited our first payment to our account.
We then scheduled our XX/XX/XXXX payment through XXXX XXXX Bank Bill Pay, Which they claimed that they did not receive, and they called us to complain. So we faxed the information they requested from our bank. We received a confirmation that they had received our fax, but they called us the next day, claiming they did not receive the fax information. When I requested to speak to a supervisor, she confirmed that they had indeed received our fax.
Two ( 2 ) days later, they requested additional information to include a bank statement. We sent the information via fax, and the very next day, Sentander refunded our payment back to our checking account. When we contacted Sentander, they claimed the account number was not on the check. We have paid our bills from XXXX XXXX Bank Bill Pay for years, and NO ACCOUNT has NEVER claimed that the account number was not on the check.
Since I had Sentander on the phone, I agreed to make XX/XX/XXXX payment over the phone. After giving Sentander 's male employee my card information, he said our payment was rejected because I did not know my Zip Code, which is XXXX.
So I informed them that their XXXX payment had been scheduled to be paid on XX/XX/XXXX, and that I was mailing them check # XXXX for XX/XX/XXXX payment that they had refunded.
On Monday XXXX XXXX, 2015 ( three ( 3 ) days later ) Sentander called us at XXXX. and again attempted to collect XX/XX/XXXX payment. There have been several calls, and we are tired of Sentander harassing us, and making false claims, and refunding payments that are made.
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} million to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} million in loan forgiveness, and Santander will also pay up to {$2.00} million for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} million to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} million in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
|
| 07/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was financiacing a XXXX XXXX XXXX from Santader Bank. On XXXX XXXX, XXXX my car was repossessed from my back yard. Initially, the agent scared me because they banged on my door with badges out as if I 'd violated the law. I was afraid and did n't think they were police officers. I contacted XXXX. They came and by that time I realized that they were doing a repossession because the car was being dragged out of the alley way. I called Santanders Hotline to find out how far behind my payments were I was informed that I was 62 days late. The following day I contacted customer service. I was told that if a payment would 've been made on the XXXX there would n't have been s repossession. I asked why did n't I receive a letter or a phone call regarding ways I could avoid repossession. The customer service representative informed me that I requested to be placed on a do not call list. I HAVE NEVER MADE THAT TYPE OF REQUEST!!!!! I asked the bank to please provided proof in a copy of a letter or my recorded voice on a phone conversation. I regulated to have a supervisor contact me about the repossession. No response! On XXXX XXXX I contacted the bank again in hopes to speak to a supervisor about my issues. I also requested the exact amount needed to obtain my vehicle, that 's when I was informed that the vehicle had been sold at an auction on XXXX XXXX. They did not write me to tell me how many days I had to obtain the vehicle before an auction date. The customer representative then informed me that they called me on XXXX XXXX and XXXX. I informed them that the previous representative informed me that I requested to be placed on a Do Not Call list which contradicts her story about the company calling me to offer assistance or options to avoid repossession. I was then informed about where my personal belonging were but they were already thrown away. I still have not received notification of the sale and or the amount that the vehicle was sold for!!!!
|
| 01/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX account number : XXXX Take care of your XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today.
We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind.
Work with us to set up a payment plan that works for you.
Sign up for a plan today and mark one thing on your list as done.
Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX
|
| 03/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I purchased a used vehicle on XXXX XX/XX/XXXX. XXXX XXXX XXXX with very low mileage. I had to wait to get the vehicle for approximately 2 weeks while a new engine was installed. At this time I had signed a bunch of paperwork and I was pleased with the service that I got from the dealer. Unfortunately, I may have been given the information about the lender ( contact information ) how who and how to contact the lender.
I when XXXX for 90 days of XXXX. I did not take my cell phone overseas for security reason.
I returned in country around XXXX XXXX and almost immediately had to have XXXX to repair XXXX XXXX? Soon after returning the vehicle was repossessed later night on XXXX XX/XX/XXXX. Going thru on excessive mail I found some mail from Santander Consumer. I created an account with them and logged in. Their site said that I owed {$1500.00}. I immediately tried to call them, offices were closed until XXXX CST. I called Santander at XXXX XXXX. After going thru their phone prompts I was connected with their representative. After providing with my information< I was informed that once the vehicle was repossessed that only option I had was to pay off the entire {$13000.00} and they would send me the title. At this point I explained my situation and that I had made the due account on their website. I was told that there were no other options except paying off the entire amount due and getting the title. I explained that I paid what their website was due and their reply was " who told you to make the payment? '' I related that their website did. I was told to stop the payment, I was unable to and my bank related that they would have to refund the money. I called back was informed that they would not return my funds and that it would be applied to the due amount. This made my account up to date and has a amount and due date for my next payment on XXXX XXXX! No way to resolve the repossession, no return of my funds and that I am basically XXXX!
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {$16000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you
|
| 04/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
|
| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!
|
| 03/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, As a Citizen requesting for help. This company to my understanding they are a Used Car Dealer Finance Company in Texas.
Me & my family live in South Florida never lived in Texas??? But the following company calls my Cell # XXXX from XXXX Registered under : SANTANDER CONSUMER USA Inc. Mailing Add : XXXX. XXXX : XXXX, XXXX, TX XXXX. Calls Received on : XX/XX/XXXX on XXXX, XXXX. XXXX on XXXX. XXXX on XXXX XXXX XXXX. XXXX on XXXX, twice on XX/XX/XXXX,XXXX XXXX, XX/XX/XXXX,XXXX, XXXX, XXXX, XXXX & XXXX, XX/XX/XXXX. Messages left for : Call Center Operations located in XXXX in the XXXX XXXXXXXX XXXX. I just called XXXX the operator does not have any street address to disclose? But needs additional information about me? I did not disclose anything? I have requested to take of my cell phone number XXXX but they can not help as I do not have any account with them? Everyday Voice Messages : " Good Morning XXXX, Its XXXX XXXX and XXXX XXXX XXXX. This is XXXX from SANTANDER CONSUMER USA Inc. Please return my call toll free # XXXX to speak with one of our Representatives. We are in the Office today until XXXX CST. Thanks Have a Great Day ''. Same message repeats everyday call!!! There is no one by these names in our house. We are a Nuclear Family of four. Dad, Mom & Two Adult unmarried Daughters. We own XXXX used cars brought and paid off in XXXX XXXX, FL.
All this seems to be a FRAUD & A PROFESSIONAL SCAMMERS. Past month I have called & left messages and sent similar messages to Do Not Call.gov but i am fed up as a XXXX Citizen with NO ONE TO HELP! Can not call to speak to anyone? Since XX/XX/XXXX repoted to Do Not Call Registery.Gov but all in vain. Please Help! Even registered complaints with https : XXXX # crnt - online case # XXXX XXXX XX/XX/XXXX. Today Personally called FTC, XXXX # XXXX to again Complaint my frustrations got a case # XXXX XX/XX/XXXX Rep. XXXX & Sup. XXXX. They requested me to complaint to CFPB. Please help me!!!
|
| 10/12/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.
|
| 08/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I took out a loan with santander consumer USA a on XX/XX/XXXX. I made the 1st payment when due in XX/XX/XXXX and then I made the next payment that was actually credited on XX/XX/XXXX for the XX/XX/XXXX payment. I made another payment on XX/XX/XXXX which came out of my bank on the XX/XX/XXXX and one of these is the payments in question not credited properly. I then made a payment on XX/XX/XXXX that I thought was the XX/XX/XXXX payment not knowing that santander had lost the XX/XX/XXXX payment. So my XX/XX/XXXX payment went backwards to the XX/XX/XXXX payment. I then started to make a payment for XX/XX/XXXX and it took 2 weeks to get paid but it was paid and yet santander lost this payment also. They reported me to the credit bureaus 30 days late and then 60 days late. I have been fighting with them sending bank statements and santander always had a complaint about the statement sent whether it was elegible Or not sufficient. I have dealt with several managers and even the office of the president in their lack of communication with me is appalling because it 's my credit that 's hurt over XXXX points and they still have not properly credited me. I then spoke with their fraud area and investigations and they said things that were not true and so I invoked my attorney to send them a letter demanding that they credit my account properly and fix the credit-reporting. I submitted them to sworn bank statements from the 2 different banks from which those payments came from in XX/XX/XXXX and in XX/XX/XXXX. They have not responded to me in over a week. At this point I do n't want my credit hurt any longer and I do n't wan na pay monies backwards 2 and a 1/2 months especially when 2 payments are out there that I did pay. They do not correspond timely and yet they continually report me wrongly. Ask them why they are not correcting my account when they had sworn bank statements proving that they are wrong and yet they 're still trying to blame me.
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected XXXX states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} XXXX to the XXXX participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hello, I purchased a car, ( XXXX XXXX ) in XX/XX/XXXX. The price was {$17000.00} and I put down {$1500.00}. At the time I has just started a job after being laid off for a year and need a car badly. I have my payments automatically deducted out of my bank account, so they are always on time and I have not missed a payment. The payments are $ XXXX monthly. I have paid a total of {$16000.00} to date. I went online to see my payoff amount last year ( XX/XX/XXXX ) and it was approximately {$8000.00}. I asked if I could refinance the balance in hope of getting a lower interest rate and was told that they do not refinance. Ok, I continued to make my payments, diligently making sure the available funds were in my account. Hoping to pay off the loan early. I checked online again in XX/XX/XXXX and it was XXXX. Which I though was in error. I called and was told it was the interest. I called again yesterday and was told the new balance is {$11000.00}. After some back and forth with the rep that answered the phone, I asked to speak to a supervisor. Once the supervisor got on the phone, she said it was the interest rate. I asked how can I have a 5yr term loan if the balance is going in the opposite direction from where it should go. She again said it was the interest. I then said how can I have a maturity date with a policy like such. I told her I have had multiple car loans and I have never had the balance increase rather than decrease unless there was a missed payment. She said she car refer me to the President of the company and someone from his team will call me. I have not heard from them to date. I think however they are compounding their interest it is causing consumers to pay an extremely high cost even when they are making payments on time. I also asked if there was an office I could go and talk to someone and she said there was not office. I can not believe this is legal. The company is XXXX XXXX XXXX. I opened the account in XXXX, PA
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
|
| 08/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XX/XX/XXXX, I got an XXXX XXXX XXXX XXXX, through XXXX XXXX and was making my payments through them with little to no problems and then in the middle of XX/XX/XXXX, I stopped receiving statements or anything from them and never heard anything at all, Santander never even contacted me by phone or mail to let me know they were the new company, and when I talked to them once and from that moment forth it was a complete and total nightmare, in XX/XX/XXXX, I lost my job and was having a hard time trying to make it while trying to find another job, meanwhile Santander were relentless, constantly calling, and I told them my situation and they in turn allowed me to pay {$180.00} of a {$340.00} payment and told me that I would be okay, and I kept in contact and made my payments as was set up and then by XX/XX/XXXX, I had full-time hours again and was only one payment away from being completely caught up and with no notice XXXX XXXX came in the middle of the night while I was sleeping and took my car with all my belongings and tried to sell them back to me, and Santander calls me again with urgency like they cared so much, at first said that if I could pay {$400.00} I could have my car back, I said I could do that, but then it changed to me misunderstanding things, it is really {$1400.00}, which I did not have on hand, they sold the car for as cheap as they could {$500.00}, and left me with {$10000.00} to try to pay off, these people are so crooked and greedy, if they had answered their phone, talked to me, they would have known that I was one payment away, to allow me to pay half on my payment then take the car anyway, was just XXXX. And they still seem to think they are owed the world, and XXXX XXXX was just as bad, at least they could have given me a chance to get my things out of the car before they took it, the whole situation was crooked, I would NEVER do business with Santander again they are rotten Monetary Loss : {$10000.00}.
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, XXXX XXXXXXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, Consumer Protection Financial Bureau as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
On XX/XX/2018 I initiated a chat session within XXXX after logging into my account. I explained that there was a property tax discrepancy on the latest tax bill XXXX sent me to pay on XX/XX/2018 and {$120.00} was not my responsibility. There were two cars on the bill based on what my local tax office confirmed. After providing the detail the service rep instructed me to send a fax with all the details to the XXXX tax team that included an email from my tax office to XXXX confirming there were two cars on one bill, copy of the tax bill sent to XXXX, Tax office print outs showing VIN numbers of the two cars on the same tax bill along with the amounts owed for each, copy of my monthly XXXX bill showing total amount owed had the {$120.00} included. A fax was sent that day and I followed up on XX/XX/2018 via phone and spoke to XXXX who informed me that all requests can not be faxed but have to be emailed. On XX/XX/18 I emailed the XXXX XXXX team my documentation which included the fax cover letter explaining the property tax discrepancy and supporting documentation. Since XX/XX/XXXX I called customer service the following dates to get an update : XX/XX/XXXX : Spoke with XXXX ( no update ) XX/XX/18 : Spoke with XXXX ( no update and opened an official complaint # XXXX ) XX/XX/18 : Spoke with XXXX ( no updae ) XX/XX/18 : Spoke with XXXX ( stated no one has even looked at my complaint ) XX/XX/18 : Spoke with XXXX ( no update ) and stated that I need resolution since my lease is up the end of XXXX.
XX/XX/18 : Spoke with XXXX from office of Consumer Practices ( he emailed tax office and said to follow up in a couple days ) XX/XX/18 : Spoke to XXXX form office of Consumer Practices and had no update.
The payoff to purchase my car had an extra {$120.00} added to the payoff which is owed to me. I do not feel it is acceptable to have an escalated issue unresolved for 4 months when the documentation provided clearly explained the error.
|
| 01/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Please see complaint ID XXXX.
Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.
|
| 02/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a XXXX XXXX truck from the website " XXXX '' and opted to finance my auto loan through Santander bank. The monthly payments were {$500.00} with 10.1 % APR. The paperwork I received was through XXXX, not Santander.
I was moving from New York to Florida that month, so I was told to register the truck in Florida. I did and ensured all contact information was correct for my Florida address. Several months later, I had moved to Florida, started a new job, and invested a lot of money into my new truck.
In XXXX, my new employer 's check didn't go through and I could not cover the XX/XX/XXXX payment. I called Santander bank to inform them and they told me that was okay. We agreed that I would make the XXXX and XXXX payments on XX/XX/XXXX. The representative did not tell me this would impact my account status. No further letters, emails, or calls were received.
The night of XX/XX/XXXX, my truck was in my private parking spot with my {$800.00} kayak in the back. After midnight, a tow truck came and repossessed my vehicle with all of my belongings. When I called the police the next morning thinking my truck had been stolen, it was to my extreme surprise that it had been repossessed, despite what I agreed upon with Santander.
When I called to work out a payment plan/pay any fees associated, I was told that there was no way to escalate this issue and no options were available to me, besides to pay {$28000.00} within 14 days. I called many times trying to resolve this issue without my credit being destroyed. No one could help, no one could explain why I hadn't gotten correspondence or why I hadn't been offered to voluntarily release my vehicle to the bank.
Now my truck is going to auction, I have no transportation to my job, I will have had more than {$10000.00} in losses, and my credit will be ruined for years. I have been in Florida for 3 months. Santander bank is practicing predatory auto lending.
|
| 11/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
NOT abusive language, but a language problem.
Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose.
Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business.
Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.
|
| 08/18/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.
Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.
In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.
Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself.
Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.
|
| 07/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I took out out a loan to finance a XXXX XXXX XXXX through Santander Consumer in XXXX. We made timely payments up until the time in mid XXXX when me and my former partner lost our jobs due to unemployment. Santander did give us a few months of deferment due to Covid. In XXXX of XXXX, the car was totaled. The insurance company paid Santander the value of the car at the time, but there was a remaining balance of approximately {$7000.00}. I called as asked if there was any type of program to modify the loan amount as we were injured and unable to work. It was also still in the midst of Covid. I was told that due to the fact that the car was totaled, there was nothing that Santander would due for us. The outstanding amount remained and they would not put me on any time of lowered payment plan. My ex partner continued to make payments but could not pay the {$430.00} in full so the loan became past due, all while Covid is raging.
Now over the past 4 months, the loan is being reported to the credit agencies as having late payments and has hurt my credit score by over 100 points. Again, today, I reached out to Santander and asked why they are reporting me to credit agencies and they denied it. Again, I asked for some type of assistance and was told there was nothing they were able to do. After looking over your web site, I see that creditors are obligated to try and work with consumers to pay their debt. Also, because of Covid, I have learned that late payments should not be reported to credit reporting agencies. Santander has ruined my credit, despite my attempts to try to pay what I owe. I never refused to pay the amount owed, I simply asked for some help to allow me to be able to make an affordable amount.
I feel as I am being punished because of an accident. That is not fair and I feel they should work with me. They already have a settlement to its auto loan customers that they treated unlawfully with loans issued in XXXX.
|
| 09/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX both need to be held accountable.
|
| 03/31/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
This company keeps calling me about a debt that is over 8 years old. They threaten legal action in addition to threats of contacting my employer and any relatives they can find.
Voicemail messages : ( in part ) XX/XX/21 XXXX XXXX " ... regarding an active order that been issued and filed against you. They have instructed me to contact your employer and speak directly with your supervisor ... once the case is discharged and filed, all of your legal rights to have this resolved will be voluntarily forfeit. Contact our legal office ... this is considered an official legal notice by phone. Until contact has been made, you will be located directly. '' XX/XX/21 XXXX XXXX " I am contacting you on behalf of judicial services. I've been instructed to contact your employer and speak directly with your supervisor as it does appear that will be likely a place of location and also make you aware they have issued an order to have you located ... '' XX/XX/21 XXXX XXXX " I've been instructed to get in contact with you in regards to the active order of location that is still in the process of being issued and filed against you. ... I do want to advise you that they're wanting to move forward with the original plan and have a new process of the premises of your employment or any relative homes that is listed in public record. ... This is considered your final legal notification by telephone. You can not say that you didn't have any prior knowledge of the case being filed. Further action will continue against you until direct contact is made. Good luck to you. '' XX/XX/21 XXXX XXXX A bunch of the same ... threats to locate my employer, my residence, and any relatives homes that have been listed in public record.
They are calling my husband and I both during work. I have spoken to them. They refuse to mail me anything regarding the debt or give me the 'name ' of the business they are with, just that they are with 'judicial services '.
|
| 11/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag.
Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX
|
| 12/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am not sure if I am directing my question to the correct party, I entered into a loan agreement in XX/XX/XXXX. I missed a few payments at different times which had my account in a past due account however I made monthly payments. in XXXX my car was repossed 2 times, once in XX/XX/XXXX when I asked if I could make the payment on a Friday .. my car was picked up at XXXX XXXX and the payment was made at XXXX which included a bunch of extra fees, on XX/XX/XXXX at XXXX XXXX my car was repossed again. I spoke with Snatander on XX/XX/XXXX, and XX/XX/XXXX and letthem know of my inmtention to pay on XX/XX/XXXX, my pay schedule and was told my car was going to be picked up. my account has XXXX in late fees which are charged at XXXX dollars a day, my car was in the shop twice in XXXX for major repairs ( replacement of the transmission which caused the car to stop in the middle of the street ) which I needed to rent a car for about 2 weeks that cost about 300.00- thus causing the payment to be behind a month- which was XXXX per month on top of XXXX dollars a day. In XXXX my car was in the shop for at least 30 days, because the drive shaft needed to be replaced I spent over 600 dollars renting a car for a month while XXXX worth of repairs were done. I asked Santander on more than one occasion if the late fees can be on hold while repairs were done or if they could push a payment to the end of the loan. I was told they could do nothing in regards to the late payments and they would continue to add up and they only push one payment back during the 72 month loan term which when on my credit report appears as 83 months. I have paid over 20,000 on the loan, the principal balance was XXXX and I am being told I my estiamted payoff as of XX/XX/XXXX was XXXX. I am not sure if any assistance can be provided or if I am even contacting the correct party. If there is a class action suit against them, I would like to be a part of that.
|
| 09/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal.
On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal.
On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting.
I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.
|
| 09/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I made a payment for my XXXX XXXX XXXX online with Santander USA. The next day I was reviewing pay off information on this vehicle ( certainly hoping to trade in as Santander has been an awful company to work with throughout the entire the loan ) and realized that some how an old loan is showing on my online banking and that I processed the payment to that account instead of the XXXX account. I immediately called to have it fixed. The first person I talked with was very nice, said it was no problem and that it would be fixed within 72 hours, but definitely by Friday XX/XX/XXXX. She also stated that it would be back dated to XX/XX/XXXX. I reviewed my online transactions on the XXXX. The payment had not been fixed. I called and spoke with anther representative, after some back and forth argument and telling them to please refer to the notes, they assured me that it would be fixed, not to worry. I went out of town for the week. After returning on XX/XX/XXXX I check online again. The payment still did not post to my transaction history. I called again. After some more push back and getting forwarded to a " supervisor '' they told me that they escalated the issue and guaranteed that it would be processed with in 24-48 hours. I checked today XX/XX/XXXX, 3 days later and the payment is still not posted to the account. I called and was told it was still pending and being researched. I have no idea why it would need to be researched as I have been told multiple times that it was going to be fixed, and backdated to XX/XX/XXXX. She told me that I should call back on Wednesday to check process. This is completely uncalled for and unnecessary. It should have been fixed weeks ago. Every time I call it is something different. I have no idea why this process it taking 3 weeks and now all of a sudden it has to be reviewed, as I have been guaranteed several times that it would be fixed, backdated and with no fees.
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.
|
| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.
|
| 12/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My wife and I paid off our auto loan with Chrysler Capitol on XX/XX/2021, 30 days went by and our credit was not updated and we did not receive our title. I was advised by the supervisor I was speaking to that she would put in a request to have the credit updated. The account was closed on Chrysler Capitol 's end so if I did not call in and escalate our credit would not have been updated in accordance with the fair credit act.
Also upon speaking to the supervisor she advised me the title was sent to my wife 's address in XXXX. I immediately corrected her and said my wife and I live together. I explained I called in 6 years ago when we purchased out new home to update the address on our account. I then started receiving monthly billing statements, delinquent notices and other account correspondences to our new address. The supervisor advised me that it is company policy to only updated the information of the person we are speaking to. I explained I advised the rep I spoke to 6 years ago never advised me my wife had to call in and told me the account was updated. I the consumer do not know all Chrysler capitol 's procedures and it is the responsibility of Chrysler capitol to inform me my wife had to call in. Now our account went compromised for 6 years all our personal identity information and account sensitive information went to whomever lives in that XXXX house along with our car title. My wife and I now have to worry about both title fraud and identity theft.
Lastly since my escalation to the appropriate department and leadership a new title has not been submitted to my wife and I. I am extremely concerned over who may have our car title and Chrysler capitol is not taking steps to get a new title out to us and also to ensure the title is not subject to fraud. My wife and I are expected to handle the situation with our state 's DMV bearing all the inconvenience and problems caused by Chrysler Capitol.
|
| 10/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I opened a loan with Santander XX/XX/XXXX and was financed XXXX at 16.99 % interest rate on my loan for 72 months which should equate to {$26000.00} in finance charges equaling a monthly payment of {$370.00} and I have been paying {$370.00}. I made my payments accordingly over the next 4 years. I tried refinancing my loan in XX/XX/XXXX as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over {$15000.00} over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.
|
| 07/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.
|
| 02/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle.
Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself.
Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...
|
| 03/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/XXXX - I received a phone call from a lady stating that they were trying to serve me court documents. I asked for what? She said some company filed a judgment against me but couldn't provide any information. She gave me a claim number and a phone number. I called and spoke to someone named XXXX. She stated Santander filed a judgement against me. I explained to her that can't be true because the debt is really old, from XXXX. Also, it was sold to another company and discharged in a bankruptcy. She stated for to review my bankruptcy discharge and give her call back. I did, she then stated, I have to take the items to court, I can't send her anything. However, she did say I can pay her restitution. Which is strange, I've never heard of that involving a debt. She stated that Santander tried contacting me to no avail. I said that's a BLATANT lie. I asked for her to explain how she can collect on a debt that was discharged. She transferred me to someone else, I don't remember his name. Very rude. He lied and said the debt is still showing that I owe Santander. I explained, I check my credit regularly and that's not true. He stated because the debt was removed in XXXX but I still owe. I couldn't get him to explain how the debt was sold to XXXX XXXX and then discharged, now being sold again to XXXX XXXX XXXX. He couldn't answer and stated he doesn't know what else to tell me. I disconnected the call. I googled and found that this company is notorious for predatory practices. I called back again and the same guy answered. I asked gor the company 's name and address. He asked who I was and I told him, he gave me the name but refused to give me an address. He proceeded to tell me that he can no longer review my file and that he transferred it over and he hung up. These people have my personal information and are trying to use scare tactics to force me into paying a debt that I don't owe. The phone XXXX.
|
| 07/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either.
But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019.
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them.
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.
|
| 09/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I purchased a XX/XX/XXXX new truck from a local dealer in XX/XX/XXXX. The dealer sold the loan to Santander co. I was not told by the dealer who held the loan. I did not receive loan papers, payment invoices, etc from anyone. I repeatedly asked the dealer who told me in XX/XX/XXXX that it loan still had not been sold but I would be notified when it was. In early XX/XX/XXXX, I received notice from Santander that I was late on the loan despite never being notified of the fact that they held the note or where to send payment. I talked on the phone with Santander on XX/XX/XXXX. I was told that I was late for XX/XX/XXXX 's payment. I explained I had never been notified. They told me I had to make a payment and would have a second payment due on XX/XX/XXXX. I requested my due date be moved to the XX/XX/XXXX of each month because I could not make 2 payments that close together. they agreed if I paid a payment during the phone call. They told me the payment was {$640.00}. I paid it.They did not change the due date. When I did not make the payment on the XX/XX/XXXX they charged me a second late fee and reported me late to credit companies. They called me and told me I was late and my due date was still the XX/XX/XXXX. I made the payment on XX/XX/XXXX and they charged me another late fee on XX/XX/XXXX. They also raised my payment from {$640.00} to {$710.00} and did not notify me. I have made 2 payments in XX/XX/XXXX to get on track with there changes. I asked them to remove the late report and being behind on payments from the credit agencies because they never told me they held the note. I did not know who or when to pay. Once notified I paid what they asked and when. They changed the amount, continued to assess late fees and incorrectly report. The have so far refused to correct my credit report. They have been dishonest and refuse to help. I want them to correct the credit report and clear my good name.
|
| 04/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments.
I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report.
I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health.
Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.
|
| 11/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have reached out to you stating that I've never had a problem with payments. XX/XX/2018 was the 1st time I've ever had any issues. You extended my payments claiming this was the best way so it wont be reported due to my good paying history. The address I have, which is a p.o box is the same p.o box I've been using since the beginning. I agreed to allow you all to extend my loan so I wont be reported. Now here it is XXXX, and I mailed off the XX/XX/XXXX payment XX/XX/2018 to the same address one of the representatives gave me. I have a copy of the letter that was mailed XX/XX/XXXX, along with my full address. If there was a problem, I would have gotten it back a long time ago considering today is XX/XX/XXXX. I see that yall have added extra charges to my account that is not awarded because I have proof, just like I did in XX/XX/XXXX that I did indeed send it. I have receipts, picture of envelope at post office with the correct address that was given to me the day of sending it. Apparently there is no problem with the address, and if it was, why would the representative give me a false address. I want to be treated fairly, and not to be made to continue getting an extension or whatever it's called, just to continue pushing my maturity date up. I feel like since my letter has not returned, that it's just being held knowingly, just so you can tell me you dont have it. Well someone has it because it was not return to the address that on the letter. I would like this resolved without you all putting extra charges on me when it's not my fault. I would like to see the right thing happen, despite the credibility that you all do not have for being fair. I XXXX XXXX, have proof for everything within this complaint to show that I did pay before the 10 day grace period was up that is given before late charges are applied. I pray that this matter can be resolved in a respectful and just manner.
XXXX XXXX
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}.
On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did.
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX.
Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to platinum by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added.
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date.
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due.
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind.
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note.
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then.
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either.
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
|
| 07/04/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a vehicle with a loan through Santander Consumer USA. The original amount of the loan was {$16000.00}. I was unable to continue making payments after an unfortunate life event in XX/XX/XXXX. At that point, I requested that the car be voluntarily repossessed from Santander Consumer USA. The car was repossessed sometime between XX/XX/XXXX and XX/XX/XXXX. I received phone calls from Santander Consumer USA advising me that the loan would default and that I would be put into collections and have my credit damaged if I did not pay for the car. I informed them at that point I would not be able to make any payments. I received a notice by mail on XX/XX/XXXX detailing Santander Consumer USAs plans to sell the property ( vehicle ). This notice mentioned that the vehicle would be sold at a private sale sometime after XX/XX/XXXX. On XX/XX/XXXX, I received another notice from Santander Consumer USA that was titled Explanation of Calculation of Surplus or Deficiency. In this notice, it states that the vehicle sale price was {$8200.00} according to Santander Consumer USAs records. I have not received an actual bill of sale to support this number. The balance on this notice was {$9900.00}. The basis of my reaching out to Consumer Financial Protection Bureau is as follows : Balances reflecting on my credit reports have fluctuated and varied in amounts Past Due {$6900.00} Charge Off Amount {$7900.00} Balance {$8200.00} Balance amount reflecting in automated phone system through Santander Consumer USA {$7300.00} Bill of Sale for sale of vehicle was not sent nor communicated in any way to me. Through verbal communication with a phone representative with Santander Consumer USA, was told that my account was charged off XX/XX/XXXX. Also was told that the vehicle was sold on XX/XX/XXXX. Status showing as updated on my XXXX Credit Report as of XX/XX/XXXX as a Closed, Charge-Off Account.
|
| 08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed.
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle.
On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day.
I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control.
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.
|
| 07/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle XX/XX/XXXX so I have been making payments a while now. I started noticing misc. fees and late charges on my account statements. I called and asked about the charges and found out apparently Santander Consumer USA does n't allow customers with a simple interest loan any grace periods for any reason. I was unemployed XX/XX/XXXX so I had several late payments. I also had to defer a few payments during that time. They continued charging me late fees even though they excused the payments and allowed me to defer. I called recently to try and resolve the old late fees, but they 're refusing to remove them. It 's over {$400.00}! I 'm so fed up with their unfair practices, which makes me think they 're not following the law. I also noticed that my payments are n't being properly allocated, which leads me to think they must be pyramiding, which is a violation and considered unfair practices. How will I ever pay off this loan if most of the money continues to be put towards interest and not the principal?? I asked them, and they told me a computer calculates the percentage distributed each month not a real person. As if that were to make me trust them? The agent I spoke to said the type of loan I have calculates a daily interest rate based on how many days apart each payment is. So the closer I can make payments and the sooner ( before the due date ) the higher the amount towards the principal will be. Again, are they following federal consumer laws? I just feel this company is getting away with murder and using people like me to make money. I already pay over 18 % in annual interest which ends up being daily interest. So I will pay over XXXX in interest alone plus the amount I purchased to car for. See attachment. It shows price of vehicle plus estimated interest. I am being robbed, literally!!!!! I bought the car for XXXX, so after interest and taxes it 's closer to XXXX!
|
| 05/13/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state.
The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround.
Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed.
Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.
|
| 01/11/2020 |
Yes |
- Credit card or prepaid card
- Gift card
|
|
|
Web |
|
|
On XX/XX/2020 I called to make a car loan payment to Santander Consumer USA, then I heard a " click '' as if it were rerouted to another department. A woman asked would you like to receive a voucher from XXXX for only {$1.00} and an additional {$1.00} for magazine subscriptions? She told me this was a savings club, and that I can review it for 15 days and then she asked for my credit card information email and mailing address to where she would send the voucher. She said it would arrive in 3 business days. When I asked for the name of the company, email address, she said it would appear in my email and the voucher. She added that if I didnt cancel within 15 days, I would be charged {$39.00} for the savings club and {$29.00} for the magazine subscription. She gave me a 1-888 number to cancel it, but she said it very fast and I asked her to repeat it and she gave me these two numbers : XXXX to cancel the savings club and XXXX to cancel the magazine subscription. She also said all the information will be sent in the mail and in my email and if I had any additional questions. Two days later, I when I did not receive anything in my email, I called the customer service number and the clerk said to wait another day because the {$1.00} x 2 had to be posted first before she can look up my account. The following day after I saw the posting on my bank account, I called, and she said call the next day. Today is XX/XX/XXXX I haven't received anything! I called again, and she said Ill have to wait until another 48 hours and to call on Monday.
Here are the XXXX postings on my bank account.
XX/XX/2020 XXXX XXXX POS XXXX FL US XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX FL US XXXX XXXX When I looked up the number online, I came across other complaints : XXXX : XXXX XXXX : XXXX I thought when I was making the call that it was a promotion from Santander Consumer, but this turns out to be fraudulent.
|
| 03/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
In early 2020 I had fallen behind on my payments on my Chrysler Capital/Santandar Consumer USA loan . I contacted them but was advised by the company that I had, in fact, been covered in a settlement with the Indiana Attorney General amongst others in a Class-Action Lawsuit in Federal Court . As I had stopped getting bills in the mail and was advised I was covered under said lawsuit, I assumed everything was ok. Flash forward to XXXX of 2020 after XXXX, and a few days before XXXX XXXX, and an armed man dressed in what I can only classify as a police impersonator uniform shows up at my house touching an open-carried firearm in a threatening manner and takes my car. I contacted the police, but I was told this was apparently ok for them to do and not even inform local law enforcement as required by Indiana law. Chrysler then proceeded to sell my car without giving me written instructions on where to retrieve it or the amount. Sending me a letter with " call us at '' does not constitute a notice of where to retrieve the vehicle or what is due on it. The only thing with an amount I got was a notice of repossession from Chrysler and the armed tow-truck driver stating an account balance of " {$0.00} '' due on the loan. I tried to get this resolved by calling after this happened, but got tossed around to different people who apparently didn't know anything at Chrysler and could not give me anything in writing. I contacted the Indiana Attorney General, who said they could not take enforcement action on this sort of contract, and Chrysler Capital did " forgive '' the remainder of my loan. They also sent me a payment for the settlement of about {$200.00} per the terms of the settlement. However, the settlement required them to forgive the balance which they and the XXXX stated to me that they did before they turned up in the middle of the night threating me with a XXXX to take my property.
|
| 05/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an auto loan with Santander USA and currently waiting for a total loss insurance check to be applied to my account in the amount of {$10000.00}. Since the origination of the loan in XX/XX/XXXX I have never had a missed or late payment. My last statement from Santander USA dated XX/XX/XXXX listed the total amount outstanding as {$13000.00}, the status of my account was current, {$0.00} past due.
On inquiring via the Santander website XXXX if the insurance check had been applied to my account I instantly noted that my account shows past due in the amount of {$1200.00} which includes late and interest charges and shows the last payment being received/posted to my account on XX/XX/XXXX, XXXX. My Account transaction history clearly shows payments of {$440.00} made and posted on XXXX and XX/XX/XXXX. The transaction history also shows 2 seperate transactions dated XX/XX/XXXX removing/reversing 2 payments of {$440.00} and the balance owed on my account as of XXXX is {$13000.00} Santander USA 's explanation is that both payments have been removed so that the insurance check can be backdated to XX/XX/XXXX ( date of total loss ) and the payments will be reapplied. I have never heard of an accounting practice that would require payments physically posted to an account to be removed to retroactively apply {$10000.00} insurance check. This action has effectively places my account into a delinquent status until some future date when Santander USA decides to post the insurance check. Addtionally, Satanders action falsely records my account as delinquent and I am truely concerned this will have a derogatory impact on my credit status with credit bureaus. I strongly believe this action is unethical at best and fraudlent at worst. I can only see the reasoning to remove posted payments to manipulate the true balance of my account for Santander to charge the maximum interest it can recover.
|
| 03/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased an XXXX XXXX XXXX XXXX from XXXX on XX/XX/2018. The first day I purchased the car upon leaving the dealership I noticed that the entire driver side of the car was kinda of shiny with a different colored paint. As i went to inspect the car more in detail ; I rubbed my hand across that area and it hard very rough and hard. I informed XXXX of my issue. I had to leave the car with them about an additional week before receiving it back from repairs. About 1 month late around XX/XX/2018 I had to take my car in the shop again due to engine and service issues. This was repaired per the XXXX XXXX, but I was responsible for the deductible. The car was having issues with the engine and broke down on me. In XX/XX/XXXX I had to place my car in the shop again due to similar issues, and also something with the electric components in the car causing my headlight to go out. Again, I had to pay out of pocket to get that fixed ; minus the Careplan coverage. My car went back into the shop again in XX/XX/XXXX due to more service issues. After this repair I was pretty much done with the car and the deal. I contacted XXXX and numerous occasions regarding the issues I was experiencing with my car. I left over 7 messages for the General Manager of the location. I refused to keep paying for a car that had continuously given me problems from the time of purchased. I made several attempts to surrender the car back to XXXX and cancel the loan. I contacted their corporate office ; who in turn refused to help me. I surrendered the car to the bank due to refusing to make payments for a car that did not work. I feel how i was treated was unjust and that XXXX failed to deliver on their promise of providing great service.
I would like for XXXX to cancel out my loan with Santander bank and cover the charges of my repossession due to the car having significant issues within a short period of time.
|
| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Santander Consumer USA is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, Santander was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to SCUSA over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement Santander was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. Santander continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and santander 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence.
account number XXXX XXXX XXXX XXXX XXXX ssn
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX
|
| 01/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
in XX/XX/XXXX I financed a car from XXXX XXXX in XXXX, fl. Almost 4 years later and I have never recieved not one paper regarding the the loan. The orignal excuse I was given was that the printer was broken. Thet promised I could come back the following day and pick up my papers. Never once did they follow through with anything. I have spent years and countless times calling even showing to the dealership multiple times. The people were beyond rude. They would curse belittle and insult me. I also had a friend who I brought with me to help with the whole sitatuation, they even threatened voilence towards both of us as well. When I left the original day I had no idea of anything about the car. I didn't even know the name of the bank. I am currently still trapped in a horrible loan, i was never advised my payment was XXXX/mo. was never told my interest rate was over 27 % either. I had to piece together all the little infomation i had on my own. Wasnt hard to see it was a awful deal. so not only was the dealership awful but they gave me a awful loan as well. Santander has been the worst bank imaginable. Still they will not provide me with any proper paper work. This whole experience has been nothing short of a nightmare. They will not help me in anyway to help with my loan, lower my payment or interest rate nothing ... they harrass me my family even my landlord. They are extremely rude and uncorroptive. I have paid off less than 2000 dollars towards the oringal loan and I still owe almost 30000 dollars on he car after 4 years of even struggling to make a XXXX/mo payment. After all these years the car value is currently around 10000 dollars and had high lied about miles from the beginginig. I am charged outrageous and numerous fees monthly and am litterlaly trapped and have gotten no where. This has been the worst experince nothing has even been explained or even true at all
|
| 04/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital.
A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax.
On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account.
On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail.
On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such.
On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft.
On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX.
On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept.
Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent.
On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT.
Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.
|
| 03/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Hello, My name is XXXX XXXX and I currently reside in XXXX, Ohio. I was informed to contact your company by the XXXX XXXX XXXX. I am writing you because I'm not sure but I feel like there is some type of scam going on. Here is the problem : I currently am paying a note on a XXXX XXXX XXXX XXXX. I bought it from XXXX XXXXXXXX located on XXXX and XXXX in XXXX of XXXX when I was employed with them. I worked at the XXXX across the street. After I placed my down-payment on it which was {$1000.00} I continued to pay my car note. As of today XX/XX/XXXX, I am still paying on it. You would think after all this time it would be paid off. The first red flag was when my car got repossessed and they couldn't find my car. I put {$1200.00} flat and I had a very hard time trying to get my car back. Fast-forwarding to XX/XX/XXXX, I paid the {$1100.00}. When I looked at my balance before I paid it said {$7600.00}. After the balance said {$7100.00}, when it should say {$6500.00}. That was strange to me because all this time I was thinking I was actually paying on my CAR NOTE. So I decided to give them a call. I spoke with a man and asked him where the money was going towards. I do have everything recorded if needed. He explained to me that all my payments are going straight to interest first which I don't understand. I thought my money was going to my actual payments. How are we suppose to get our balance down if they keep piling on interest. I feel like this is how they get you. I'm giving them all my money thinking I'm doing something and my balance isn't going anywhere. He only explained about the interest rate being {$4.00} at first. I did some calculating and this is what I personally came up with. {$4.00} ( interest rate ) x 30 ( days ) = {$140.00} right. Even If I were to do interest on the whole year that's only {$1700.00}. Where is my money going to? I have no understanding.
|
| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a car and Santander was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved!
In XXXX XXXX went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called Santander and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over.
Fast forward to XXXX, I took my credit report, found that Santander reported lates even after the modification, and even reported 2 lates for XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from Santander! I disputed, and now Santander is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information.
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find Santander is not in compliance per the consumer lending regulations.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, incomplete, and unverifiable information. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 08/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I called Santander consumer USA about my account to ask about assistance due to the California Wildfires specifically the XXXX fire which was declared a Federal emergency. I advised them that fire caused a hardship because of loss of income. It states on their website to call them and ask for help. I advise them that I had been out of work for a few months and and had started working a about a month before the fire hit and caused my work to. I then advised them that I would make a double payment on XX/XX/XXXXto help bring my account current. I spoke with XXXX who submitted the request and advised it would have to be approved by upper management and would take about 24-48 hrs. This was onXX/XX/2018and I was told that a payment extension request would take care of 2 months of XX/XX/XXXXand XX/XX/XXXXor XX/XX/XXXX and XX/XX/XXXX. In about and hour the request was sent to my email stating that it was denied due to payment history. I gave them the reason why the account fell further behind due to a natural disaster. I would have been able to make the payment if I didn't miss two weeks of pay. I would have been able to make at least the XXXX.Either way I would have to make two payments of XXXX each by XX/XX/XXXX. I also called in on Tuesday XX/XX/XXXXand was told my husband has to speak with them because he is the borrower on the account even though I am authorized to speak on the account and I have made decisions before. I was never told that the account was up for repossession in all of the times I have called no rep ever told me that. I also assured them that I would be able to make future payments on the account because I now have stable income coming in on a consistent basis. I am really trying to get some help the fires set me back about 2 weeks of pay and other expenses. I would really appreciate if someone could help set up some arrangement or help. Thank you.
|
| 11/01/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.
|
| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a vehicle loan with Santander Consumer. I 've been trying to pay this off by paying towards my principal. My XXXX/XXXX/2015 statement said the balance was {$8800.00} with a principal of {$8700.00}. On XXXX/XXXX/15 I made a monthly payment of {$470.00}. I called the company around XXXX/XXXX/15 to make it known that I would like to send in payments towards my principal. I explained this was n't possible online through the company 's website. I was advised that I had to make a payment XXXX then call in to make them aware the payment was to go to the principal only. On XXXX/XXXX/2015 I made a {$1000.00} payment towards my principal and called in as I was advised to do. The company applied so much towards the payment and the rest towards the interest. I kept calling in to have this corrected. The company kept saying it was being taken care of. My XXXX/XXXX/15 statement came and stated the balance was {$7500.00} and a principal of {$7400.00}. So on XXXX/XXXX/15 I made another payment of {$1000.00}. Same thing happened after calling in and making them aware the payment was for the principal only. Since then I paid my XXXX/XXXX/15 regular payment of {$500.00}, ( but the regular amount is {$470.00} ) on XXXX/XXXX/15. I called in on XXXX/XXXX/15 to do another principal only payment of XXXX. I called back to ask what was the balance before the principal and got a price of {$6000.00}. I asked how after I have made principal only payments and XXXX monthly payments. I believe my balance after the XXXX/XXXX/15 principal balance and the payments I have been making that this is TRULY and error. I keep getting the run around about this so I asking Consumer financial to follow through with this so I may be treated fairly and pay what I owe and not be cheated. I was informed that I ca n't get a number to the accounts department because the company only communicate via email.
|
| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan.
I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money.
any sort of help or guidance on how to deal with these people is greatly appreciated.
|
| 08/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Santander Consumer USA purchased my auto loan from Gateway One Lending in XXXX, 2020. They claim to have sent my new account information on XX/XX/2020 but possibly due to Covid issues I didnt receive the mail until XX/XX/2020. In XXXX I began trying to catch up on the payment that fell behind during the lag time between the sell of my loan to when I received new account information. Santander could not provide me with payment or account info during this lag time but my payment was still noted as past due.
Their website had inaccurate information & when I asked a customer service representative about the {$1000.00} difference he replied, the website just does that sometimes.
I had two payments left on a 5 year loan when Santander purchased it from Gateway One. I made a verbal agreement on the phone to pay off the full balance on XX/XX/XXXX. When I called to make that payment for {$1500.00}. I was informed that the loan had been charged off on XX/XX/2020. I have screenshots of their website showing that the payoff was good until XX/XX/2020. The balance on the website was also inaccurate on that day as it said over {$2000.00}. Again, the customer service rep couldnt explain the discrepancy. He advised me to pay the {$700.00} settlement and I did so against my wishes. I had 5 years of 98 % on time payments & now my credit is destroyed & I have been denied a lease on a home. Because of the final two payments after they bought my loan.
I requested to have the title held for one week as I was moving out of state, this was not done & now the title is lost. They have promised me a release of lien via email but that was a week ago & it hasnt happened.
This is a disorganized, fraudulent & predatory company. I hope to see some justice for myself & the dozens of Gateway One customers this just happened to. I read many reviews exactly like my story on XXXX Thank you.
|
| 07/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Hello, I have a loan with Santander which was opened back in XXXX. I purchased the car through XXXX and Santander financed it. However, what we were not disclosed is that there were SEVERAL recalls on the car and that the Maker of the car themselves had went bankrupt. Santander breached their part of the contract where it states they will NOT finance on cars out of production, in my case the car itself had been out of production since XXXX. I have tried dozens of times to work something out with Santander and also the dealership where I purchased the car. The dealership told me Santander would be responsible, and then Santander says the dealership would be responsible. This has been going on for months, since XXXX of XXXX to be exact. I originally filed a complaint with CFPB and Santander 's response was nothing short of a blatant lie, stating they " can not make any contact '' with me because I was being represented by an attorney. This was not true. I definitely have one on standby, but no, our attorney NEVER called or contacted Santander. They responded with that and to me that is also fraudelent. I have every single piece of detail of when Santander contacted me, when the dealership contacted me, and when they let this go on for months without even responding. The only suggestion they gave me was they could " defer my payment for a few months and remove late charges ''. NO. The problem I have with a car that was sold to be ( Fraudulently mind you ) is that no mechanics can work on it. The recalled parts can not be fixed. This is wrong and Santander knows this-you can not expect someone to pay for a car that was recalled before it was even sold and financed to me-it is impossible to maintain when it CAN NOT be worked on. This is a very dangerous car to drive and the dealership along with Santander needs to get together and unravel this and make it right.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either.
But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019.
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them.
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.
|
| 09/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchase a vehicle at XXXX from XXXX XXXX, California around XX/XX/2015 and got a loan through Santander Consumer USA for approximately {$14000.00}.
I have been making payment of {$390.00} ( sometimes a bit more ) since XX/XX/2015 to date. The issue is I have not really seen a difference in the balance of my loan, which is currently at approximately {$11000.00}.
I know there have been times when I fell behind on payments and I have requested extensions throughout the six years that I have been paying for the vehicle, but I feel that for the amount of time I have been making payment I should still see a significant drop in the balance and I do not see that.
I reached out to Santander Consumer USA a while ago to see if I could refinance the loan to reduce my interest rate which is at 26 % and I was told they do not do that.
Recently I reached out to Santander again asking them to look into my loan being that I don't see a difference in the balance. The representative when over the loan history with me and explained that because I have fallen behind in payment and have requested several extensions most of my payments have been applied towards interest.
I explained to him that I have been paying {$400.00} for the last six years, which equals to approximately {$24000.00}. How can I pay such a large amount of interest towards a {$14000.00} loan, even if I have fallen behind in payments this can not be. Of this {$24000.00} only about {$3000.00} have been credited towards the principal.
I don't know what my options are at this point and would like some help in resolving this issue, and I can not afford an attorney to look into this matter.
I just feel at this point my loan balance should be considerably low considering the length of time I have been paying.
Your assistance in this matter would be greatly appreciated.
Sincerely, XXXX XXXX XXXX
|
| 07/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Santander Consumer USA.
This financial institution repoed my vehicle window they were not supposed to. two different phone calls from their managers approved me for an extension during this time. During this time was Hurricane Harvey and they took my vehicle anyway. My struggle within is they had left the amount of {$15.00}, XXXX installment loan on my credit report to pay back. I have spoken with them numerous times made many phone calls and debates About the amount. They had agreed for me to only pay {$2.00}, XXXX to be released from this installment dispute that I have with them. But the amount of XXXX, XXXX Still Remains on my credit report and it damages me to receive any other type of loan or financial help whatsoever. As I had mentioned to this company that they had taking my vehicle after approving me two different times life extension they released me of my vehicle without justification other than stating I was legible for a repo. This was at a very unfortunate time of my life and family life with this being the only vehicle that this household had. just suffering from this financially and XXXX has drawn a lot of extra problems to this family and household. I'm still in debate with him on the final about a 2000. I do not believe that I owe them a penny for illegally repoing my vehicle after approving me two different times for an extension. Their words were I was not approved for a disaster opportunity.
As I try to get myself back into another vehicle because of the damage of my credit they seem to be the only potential financial institution that could Finance me. But even on the simplest they don't like knowledge what they have caused and what they have done and they will not approve me even for the simplest auto loan. This is a very hypocritical company and I need this to finally be taken care of by the consumer federal government thank you!
|
| 04/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler Capital has me listed as making several payments over 30 days late. All of the following months are listed as over 1 month late. XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX . I always make my auto loan payment online through www.chryslercapital.com. I would then be transferred to XXXX XXXX to process my online payment, for a fee. At first my payments would post within a day or two, but then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow, XXXX XXXX held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in XXXX and once in XXXX XXXX XXXX , that Chrysler Capital correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of XXXX XXXX and Chrysler Capital 's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until XXXX XXXX XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporti ng company, that one of my payments had been listed as default of 30 or more days. I find it extremely od d that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that Chrysler Capital is no longer using XXXX XXXX as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
|
| 07/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with XXXX XXXX Bank in my name. That day at the dealership, I was given a XXXX XXXX Bank Note to sign and I was able to leave with vehicle. I actually signed XXXX loan notes at the dealership, the XXXX note was signed on the XXXX and the XXXX note was signed around the of XX/XX/XXXX. XXXX the notes were dated for XX/XX/XXXX and XXXX XXXX XXXX XXXX the only listed lender. However, awaiting for XXXX XXXX monthly payment statements. I received a demanding letter for payment from a different bank Santander. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only XXXX XXXX XXXX and the finance adviser at XXXX XXXX never mentioned Santander. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX on XXXX. About three months later a letter dated for XXXX, was sent by a XXXX specialist, XXXX XXXX she stated that my loan application was declined on XX/XX/XXXX, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined Santander 's loan offer. Santander illegally repossesses vehicle all the time for a profit. There is a case against them now. United States of America vs. Santander Consumer USA. Furthermore, the dealership never asked for the car back, I never received any notices of explanation from XXXX XXXX Bank or the dealership before or on XX/XX/XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and XXXX XXXX Bank is still currently listed on my vehicle title. Also, I have letters from Santader contradicting XXXX XXXX Bank claims.
|
| 07/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am submitting a complaint regarding Santander Consumer USA and their predatory business practices.
On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}.
After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}.
Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX.
While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged.
I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate.
I was told " No ''.
Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts.
I must have a car to drive to earn a living.
The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments.
If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option.
I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion.
Sincerely, ( Name not included as per website instructions )
|
| 06/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Company : Santander Consumer, USA Main address : Payment address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX , TX XXXX Phone : XXXX I am XXXX XXXX XXXX and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
I purchased a vehicle ( XXXX XXXX XXXX ) from XXXX XXXX ( XXXX , VA ) in XX/XX/XXXX for {$21000.00}. The monthly payment is {$6 20.00}. As of today, ( XX/XX/XXXX ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a XXXX XXXX employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at : XXXX XXXX
|
| 03/31/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX I sent you a right to rescind the contract to the vehicle which federal law allows.This document was notarized on the XXXX of XXXX within the 3 days of intent. This letter was received XX/XX/XXXX by XXXX XXXX to no avail. After thirty days I sent you a default with and opportunity to cure the matter which was recieved XX/XX/XXXX given you guys 15 days to resolve the matter and compensate me, also follow my written instructions to resolving this matter. Still, no answer. Now you guys have threatened me with repossession and also to damage my credit using abusive language to me. Persuant to 15 USC 6802 ( B ) The consumer is given the opportunity before the the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; this is my communication for you not to disclose such information to any third parties.
15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This agreement was a consumer credit transaction in which I extended myself the credit you guys didn't loan me anything. youve fraudulently attached a security interest into the agreement when in fact Your company Cant certify the agreement under the penalty of perjury, yet you are tryging to reposses my property when the contract itself is fraudulent. You cant enforce on a fraudulent contract. you also sent me a statement in the mail which violated the FDCPA Ive written an affidavit with no response. Ive also sent you a verification of debt. You have not responded to this and its been 30 days for all. At this point I will file suit you will see me in court.
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call.
Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount.
As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.
|
| 08/24/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand.
A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again.
Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature.
XXXX XXXX - is refusing to do anything they are basically acting like they know nothing.
XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given.
XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message.
There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
|
| 03/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, in XX/XX/XXXX. We were financed by Santander Consumer, USA. We recently went to a car dealership ( XX/XX/XXXX ), hoping to either refinance our vehicle or be placed in another vehicle because we were making steps to clear up our credit. The manager from the car dealership ( XXXX XXXX XXXX ) came out to speak to us, which I thought was strange. He stated how out of all the years selling cars, he had never seen anything like what he was seeing with our loan from Santander. Our payoff amount is {$22000.00}. We purchased the vehicle ( 3 1/2 years ago ) in which our loan was approx {$23000.00}. Unbeknownst to us the 39 payments that we made from the beginning of the loan, approx {$18000.00}, went solely to interest and only less than {$500.00} went towards the principle of the loan. We spoke with a manager from Santander, XXXX XXXX ( ID # XXXX ) who told us that our contract has a simple interest rate loan, where we pay an enormous amount of interest each day our loan is late. Yes, we have been late in the past. However, within the last 12 months, we worked consistently on our payment, making sure nothing hit our credit. We were never late past the 30 days. We feel like we have been XXXX, manipulated. Yes, we might have been ignorant in going into this contract with Santander. Having a loan for almost 4 years, yes late many times, yes we put some payments towards the end of the loan, BUT $ XXXX WOW!! That's a lot of money, especially when 82 % percent of the payment goes to interest, leaving only {$160.00} going towards principle. Very upsetting and frustrating especially when we are at the verge of getting approved for a loan for our house and the only hardship is now that of this vehicle. Is there anything that can be done? Please help and/or assist us regarding this matter.
|
| 08/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Dear Sir/Madam, I am writing to complain you of actions by my bank. I purchased a car which I financed through Santander Consumer USA of Texas. On XXXX XXXX 2016 my car was damaged. XXXX ( insurance company ) sent to Santander Consumer USA Total Loss pay off check, which amount is {$13.00} XXXX. Santander Consumer USA received the check on XXXX XXXX 2016 that is confirmed by the account information. From that moment began to occur incomprehensible actions.
On XXXX XXXX 2016 was posted information that only {$340.00} was paid instead full amount ( {$13.00} XXXX ). Then the amounts of {$680.00} and {$3.00} XXXX were posted on XXXX XXXX 2016. The balance was changed to {$10.00} XXXX. On XXXX XXXX 2016 also the amount of {$340.00} was posted. Even after spending several wasted hours trying to found out what happened, I did not get a clear answer. Different representatives told different untrue information.
On XXXX XXXX 2016 I got the information that there was an error in my account and Santander Consumer USA will correct this error up to XXXX/XXXX/2016. Also, my auto loan will be ended. But nothing happened. They continued to place unclear data instead of correcting the error and close the loan. I was surprised I still have to make monthly payment on XXXX XXXX 2016. The balance was changed from {$10.00} XXXX to {$13.00} XXXX. I was upset to see the terrible data. They put me and my wife in a stressful situation.
My attorney called them to ask what do I have to do. The supervisor told that Santander Consumer USA has all documentation from XXXX and I do not need to make monthly payment. But the data has not been updated yet, I still have to make a payment. I am afraid to get a bad credit score. I have read a ton of stories like mine. Probably, they want to get more money that they can get.
Please, help me to resolve the situation.
Thank you!
|
| 04/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XX/XX/2016 I purchased a car from XXXX XXXX XXXX in XXXX, Ne. I had a pre approved loan thru a lender and found an advertisement with XXXX XXXX for a car that fell with in the budget and stated no money down. When I got to the dealership, test drove the car, liked the car, went into the office to submit the paperwork for it, My sales rep comes back a few minutes later and says my lender wont approve the car because it had a " lemon '' title attached to it. He offers to try some of their lenders and see if he can get me approved for more money so i can look at other cars. I found another car and by then they get a response that I was approved by another lender. My sales rep tells me he found a lender willing to give me a loan but under one condition, they would only approve me if i bought the extended warranty contract. Fast Forward 4 years later the subject of extended warranty contracts being used as a tactic to get more money out of lenders comes up and I decide to call my auto lender ( XXXX XXXX XXXX XXXX ) The representative told me that they do not require such a thing, they are not aware of the conditions of the contract drawn up by the dealership for the sale of the car, they just send the requested amount.
the bottom line here is that XXXX XXXX 's sales rep flat out lied about having to purchase that warranty. That was an extra {$2600.00} tacked on to my cost of that car. I still have 2 years left to pay for that car. i will end up paying just over {$25000.00} for a car that was only 2 years old at the time that had a sticker price of {$13000.00} all because of a lie.
I consider that fraud. Fraud for lying that it was required to purchase when it wasn't, fraud because they used the fraudulent charge to make up the difference for " no money down. Cant imagine how many other people they have made money off of using this tactic.
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks, they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.
|
| 05/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I contacted Santander Consumer USA about my car loan on XX/XX/2018 to discuss a payment plan. I was denied. I explained that I was experiencing a loss of income and wanted to modify the loan. The Agent met with a supervisor and flat out denied to offer any assistance stating " there is nothing we can do '' I explained I could set up a payment for the next week but needed to look at the dates first. The agent went on to say the car was assigned and good luck. When we bought the car I was forced to purchase GAP insurance which I was told that the bank requires it. This extra monthly amount put the monthly loan higher than what I can afford. The Interest rate is excessive and I am paying XXXX per month for a car that is worth XXXX ( Owe XXXX ) thus upside down. I have been paying this loan for 3 years '' struggling '' with the payment. Santander refuses to help me and/or modify as I know is possible upon hardship circumstances which I am in. XXXX XXXX, the dealer I bought the car from spoke to me about 3 months ago and offered the same model car but a XXXX for XXXX per month which made me believe that something is wrong. I have tried to work with the bank and am willing to continue but I am not able to continue at this current rate or without assistance. Additionally, the bank is calling almost 10 times per day which is excessive and no correspondence has ever been sent. I believe that this loan is symptomatic of excessive interest, and the fact I was forced to buy GAP really is consumer preying. I am asking for help as this situation is causing credit issues and financially burdening and stressful but Santander seems that they will not help. I know notes can be modified for good cause yet they refuse. I am also upset that I was forced to add GAP by the bank because of the extra monthly expense. Can I please get some help with this matter?
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I had a loan for a XX/XX/XXXX XXXX XXXX that had multiple issues with the transmission. I had the car repaired multiple times under the recall that was issued. The car would automatically downshift into first gear when while traveling and often on the highway. This almost caused an accident more than once. The car was not safe to drive.
I went to the XXXX XXXX XXXX dealership where they replaced the transmission twice, serviced it at least twice with computer updates and so on but the problem persisted. The service manager continuously fought with me about the car and kept refusing to fix it. He told me that the car had already been fixed and that the campaign was expired due to having 100k miles on it. I showed him the letter that XXXX sent to me and he still continued to argue with me. He made me call the XXXX hotline where he got into a heated argument with the woman on the phone who told him that the car was still covered and that they had to fix it.
He begrudgingly ordered the parts and said that it would take 4-6 weeks to get them because I was now on the bottom of the waiting list. During that time I had a XX/XX/XXXX and was unable to drive. I called and explained that I was trying to work out a way to get the car to him. He gave my parts away to another customer and after trying to work with him I got no where.
I tried to trade in the vehicle to another dealership ( XXXX XXXX ) and after them test driving it they said there was something seriously wrong with it and there was nothing they could do for me.
I needed a safe vehicle to drive and since I couldn't get any where with anyone on this XXXX, I told the bank to come get it because I couldn't afford to pay for 2 vehicles.
The car is still tied up in a class action lawsuit with XXXX XXXX. However, the car is still damaging my credit and I need to get this resolved.
|
| 04/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I attempted to call again to make the payment by phone and your representative was rude once again. I am including this {$4000.00} payment to you and demand the lien to be released on my vehicle and the credit reporting agencies to be updated immediately. You fraudulently mislead me into the transaction of the vehicle to begin with, then after numerous attempts to notify you of issues with the CFPB that have went unanswered you offer a settlement agreement which after making payments you state is going toward the balance of the account instead of to pay it in full. Under Missouri Law that has been a breach of agreement on your companies behalf, I have suffered losses due to the fact I have had to keep the vehicle longer and now the car is not even worth {$7500.00} with the condition it is in. I am making this payment to get this off my credit report because your actions are inflicting financial harm against me and trying to talk to Chrysler about it is not resolving all issues. Mail me my lien release and notify the credit bureaus immediately. Also you should be aware I plan to file a civil lawsuit in the western federal district court against your company under the Missouri Breach of Contract. This is not what we agreed to and this payment is being made under duress, because unless I comply and do what you say which is unfavorable to me my credit will be further harmed. So here is your payment, just please note is will be followed by a {$75000.00} lawsuit request. ( Cashiers Check is only attached to receive lien release and clear credit report so my score is not continually brung down while we go through the upcoming lawsuit I will be filing that will take additional time. I have complied, but you have not. Your phone rep was also attempting to charge me more then the {$7500.00} in extra fees which is another breach of the agreement.
|
| 05/07/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup
|
| 07/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I voluntarily turned my car over on XX/XX/XXXX after several requests for assistance that were denied. Santander Consumer USA holds the title to the car ( XXXX XXXX XXXX ). I have informed them 3 times via phone that I turned the car in to XXXX XXXX in XXXX, TX. The most recent call was made sometime in XX/XX/XXXX. At that time, the discussion with the company 's representation revealed that their records had not been accurately updated and was inconsistent with the details that I had provided during previous conversations.
Santander Consumer USA continues to call me ( it is now XX/XX/XXXX ) and leave messages despite my efforts. I view this as harassment. I had done everything within my power to abide by the contract with Santander, was denied assistance in the form of contract renegotiation, and when I was no longer able to maintain the debt, I relinquished the vehicle and informed the company of the vehicles location at the time I turned the keys over to the dealership.
Through some research I found that the company had agreed to a {$550.00} XXXX settlement - " Santander Consumer USA, one of the largest subprime auto lenders, agreed to a {$550.00} XXXX settlement 'with nearly three dozen states to settle charges of predatory auto lending to low-income and subprime borrowers, ' the Wall Street Journal reported. ... 'The settlement includes {$65.00} XXXX of restitution for consumers.May XXXX, XXXX '' Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probability of default, said Illinois attorney general XXXX XXXX , who led the coalition, the Financial Times reported.
I hope that this information is helpful to anyone who may presently be dealing with Santander Consumer USA and that more people will be alerted to the company 's indifference to the best interest of their consumers.
|
| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The 30- and 60-day delinquency reflected on our credit reports from Santander Consumer USA for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by Santander Consumer USA. In XX/XX/XXXX, the account information on Santanders website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from Santander. On XX/XX/XXXX, we spoke with a representative at Santander and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting.
In XXXX, the account information provided by Santander reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from Santander. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. Santander has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with Santander. The account was paid per the information furnished by both Santanders online account and representative.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am having a problem with Santander Consumer. They are reporting late payments on a vehicle loan for which I have paid off. The account is closed. However these negative payments are adversely affecting my credit score and causing me to be turned down for credit. I have no such knowledge of all these late payments. I wrote to Santander on XXXX XXXX, 2016 disputing these late payments and asking for validation of such late payments. I have attached the letter. It was sent Certified mail and signed for by Santander Consumer on XXXX XXXX. 60 days later and I never received a response. Santander failed to provide validation and they violated the Fair Credit Reporting Act by not providing the Credit Bureaus a notice of dispute within the required time frame as evidenced by my credit report dated XXXX XXXX, 2016 where the account was not marked disputed which I have also attached. According to FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ).
As Santander Consumer is violating federal law ( and they still have not marked it disputed more than 90 days later ) and causing damage to my financial well being, they should remove the account and /or late payments from the credit reporting agencies.
|
| 04/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
As a result of the most recent winter storm in which impacted the Texas area, my place of employment was closed. I, XXXX XXXX contacted Santander Consumer in regards to Account # XXXX in efforts to seek deferrement options or repayment plan. In XXXX, I was granted an extension and since my place of employment sustained extensive damages and was still unable to reopen, I once again contacted Santander once again on XX/XX/XXXX. I spoke to a representative who advised me another extension was granted.
As it stands today, we have still been unable to reopen due to these damages but I borrowed funds to make my XXXX payment. I contacted a representative at the above referenced company and was advised that even though I was told a payment extension was and would be granted in XXXX that was no longer the case. I am now 40 plus days in the arrears and payment needs to be rendered immediately in the amount of {$1700.00}. The payment must be rendered and will report derogatory on my consumer reports.
Appalled and devastated I requested to speak to a supervisor who relayed the same information. My extension was not granted due to the call being disconnected. My place of employment is scheduled to reopen this weekend for the first time since the storm ended. I work in a restaurant and we have been devastated by both the pandemic and now the storm. I requested the originally extended repayment option be applied to no avail. I was able to render one month payment in the amount of {$56000.00} but unfortunately I'm not able to render any additional payment until after I commence work. The company has poor ethics and very insensitive to the needs of its consumers. These practices should be deemed predatory as their primary objective appears to be to repossess the cars of unfortunate customers who unwittingly agree to utilize their services.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
On XX/XX/2015 I purchased a car from a dealership called XXXX XXXX in XXXX County, Ca. I drove the car home and it never moved again. I tried calling the dealership and left messages and no one would return my calls. I called other local dealerships because now without transportation, I was not able to travel or bring the car in from XXXX County where I live. I phoned other dealerships in the area to find out why no one was answering the phone. They told me there was crime tape around that dealership XXXX XXXX XXXX XXXX and that all the cars on the lot had been confiscated by the police. The police were questioning folks in the are and the Owner, who identified himself to me as XXXX was now a fugitive. I phoned the bank where the loan was originated and they stated that I had already signed the deal and it was too late to do anything except pay the {$460.00} each month. They told me this was necessary to protect my credit. They also told me that once I reached XXXX they would forgive the rest of the loan. I continued to pay my monthly premiums of {$460.00} for years and was never late with a payment because I wanted to protect my credit. When I reached the XXXX, the bank started to avoid me as well. They told me they were under new management and that offer no longer applied. They demanded an additional XXXX and threatened me with collections and damage to my credit. I paid for years so that my credit would not be destroyed, but now this is what I was facing. This is a criminal matter and no one wanted to help me. Based on this, I have been unable to find a place to live, get a job and this scam has literally destroyed my credit rating and my life. Please help me to remove this black mark from all 3 credit bureaus. I paid on time ... never late for years to end up with what I was trying to avoid all along. I really need help.
|
| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase.
XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.
|
| 07/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.
|
| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Santander auto loans have been involved in a 32 state lawsuit and the class-action lawsuit is complete with Santander being required to pay out billions of dollars in retribution. I am one of those people on said lawsuit. His company has repeatedly refused to provide me documentation they have charged off my loan while I was in the middle of paying it they have incorrect information on my credit report they refuse to fix for over 2 years from the amount that they stated are owed to the late payments which were not late to the fact that now I have no title still to this vehicle. I have paid over {$35000.00} for a used vehicle and they have no record of the original contract they refused to send it to me and they refuse to acknowledge that I put a down payment on a vehicle that they never applied to the actual balance of the loan. I have every piece of documentation yet I don't have the original contract from them only from the dealership. For example in XXXX of XXXX they stated I owed {$17000.00} on the vehicle and they reported that to all of the credit bureaus however when I log into my account the balance I owed in XXXX with {$17000.00} with 188 payments being made almost equaling the amount of {$500.00} for each payment. So therefore that small example shows that they are fraudulent and they actually owe me money. There are 188 entries and transactions in my account for Santander showing every painted that I made from XXXX XXXX until XX/XX/XXXX. How would I still owe them money? Why would they charge off an account that I am still paying on? From XXXX of XXXX until XXXX of XXXX I have every transaction and I have every transaction from my bank before that as well. If this is not fixed I am working with a credit repair company and an attorney to get this taken off and this is my final attempt to do this the right way.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with Santander Consumer USA bank. I have sent in my payments, but unbeknownst to me, the payments were returned. I was not aware of this, nor have I received any calls or notices from Santander regarding this. I sent in a payment with a letter requesting that I be able to pay half of the {$530.00} in 2 monthly payments, on the XXXX and XXXX of every month because {$530.00} taken in one chunk was really hard for me. I did not hear back from Santander with regards to my request. I sent in my payment of {$260.00} on XX/XX/XXXX and a couple of days later, my car was repossessed. I then called Santander and was told that they do not receive any correspondences as the payments go to a different department so any correspondences attached to the payments are not forwarded to the correct department. I sent in another letter, this time to their main address informing them I had submitted a payment and a letter and that I would like them to reconsider auctioning off my car and accepting my request to split the {$530.00} payment into 2 payments. The letter was sent to them on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard anything back from Santander. No response or phone call. I explained to them that I am the sole provider for my household and that I am not trying to get out of making my monthly payments, but just simply splitting the payment into 2 payments per month. I also sent in a letter to them in XX/XX/XXXX asking for explanation of fees, however, they did not respond. I called the repo company that Santander hired to take my car, twice to ask if I can get my personal items out of my car, however, I did not receive a call back from them either. This was my only means of transportation and they have caused me a lot of stress. What kind of company is this, who does n't respond to their customers?
|
| 09/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or around XX/XX/2017 a Request for FULL DISCLOSURE was sent to CEO, XXXX XXXX XXXX of Santander Consumer USA , Inc. served with this Notice and Demand to Admit or Deny the statements in the enclosed " REQUEST FOR ADMISSIONS '' document and return it within twenty ( 20 ) days with a verified signature of an authorized agent of the Lender. This Notice and Demand is the Consumers good faith attempt to settle this matter and clear up any confusion about the terms and execution of the alleged Loan agreement and the disposition of the outstanding deposit with Santander Consumer USA , Inc. of the value of the Consumers promissory note associated with this alleged Loan. Santander Consumer USA , Inc. failure to validate the purported debt by returning the enclosed " REQUEST FOR ADMISSIONS '' document with a authorized and verified signature to the Consumer within twenty ( 20 ) days of receipt of said Notice and Demand will be deemed a dishonor of the Notice and Demand, and will be presumed by Santander Consumer USA , Inc. acquiescence, that Santander Consumer USA , Inc. took the Consumers promissory note and, without authorization, stamped it, sold it, and then used the proceeds of that sale as the funds for the alleged Loan, causing the Consumer to be damaged in a transaction making themselves incompetent witnesses and by taking legal action did dispossess consumer goods and did misuse personal, family or household goods for purposes not intended - without ever obtaining competent judicial permission or prior direct consent- and, without just compensation. ( 1692c ( a ), 1692 ( b ), 1692c ( C ) ( 1 ) ( 2 ) ( 3 ), FDCPA ). The Consumer is prepared to exhaust all applicable provisions of the FDCPA and the FCRA to obtain " FULL DISCLOSURE '' of the facts material to the terms and execution of this alleged Loan agreement.
|
| 08/03/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees.
I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him.
The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''.
This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.
|
| 05/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
To whom may concern, I purchased a XXXX XXXX from XXXX in XXXX. My finance company was Santander Consumer USA. Santander repossessed my car. Santander Consumer USA approved me for financing in XX/XX/XXXX for a vehicle I purchased from XXXX. I had the vehicle from XX/XX/XXXX to XXXX of XXXX. Santander Consumer USA repossessed my vehicle without notice. When I contacted Santander, I was told that they were unable to verify my employment and that they could not verify the company in which I provided during the purchase of the vehicle. Santander USA never once tried to reach out to me to inquire about my employment. I never received a letter, phone call, message or call to my references. They just abruptly came and took my car from my home with out requesting proof of employment. My payments on my vehicle was current. As of today, Santander Consumer USA has placed this balance on my credit file as if I haven't been paying them. Do they really expect me to pay for a vehicle they chose to repossess when my payments were current and due to them not being able to verify my employment??? Santander Consumer USA has failed to provide me with documentation of their findings as to why they made the decision to take my car although the payments were getting made on time. Santander needs to remove this balance from credit file as I plan to seek legal action against them as they have unlawfully and illegally took my car when I was clearly paying for the car. I have provided you a screen shot of my credit report showing I had no late payments until they took my vehicle. I also am requesting where in my contract does it state my vehicle can be taken if they can't verify my employment. They are showing on my credit file that I've never made a payment which is false!!! This company is a horrible company to ever do business with.!!!
|
| 04/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ).
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.
|
| 08/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter.
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.
|
| 04/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
on XXXX XXXX, 2016 i went to chrysller XXXX XXXX on XXXX XXXX in XXXX to look at XXXX spoke with XXXX we looked a cars he said i can get you in this car i said not this car said lets see if you can get approved he had me sigh paperwork i came back and said your approved i said not for that car he said yes i said thats not what you told me i walked away wentt outside he allong with the finance manager followed me outside said you have to take the car its in your name and the insurance is on it you have to take it i said no he said by law you have to take it i dont have any financial information on the car they didnt give me a copy of anything i signed i was told i shoulld have gotten a copy of truth and leading i got nothing but your loan has been submitted i told them i need to speak with a manager that had me talk with XXXX who told me too bad you brought a car i said i dont want it he said i willl have it towed to your house walked out asked for a manager XXXX said he was the manager of the whole place walk AWAY FROM HIM CALLED XXXX ON MY CELL PHONE MY SALES GUY XXXX ANSwered and i heard XXXX in the back ground say i dont want to talk to her i hung up spoke with someone name XXXX who told me i should talk with XXXX i told him i allready did he said he cant help me he say he shold have been able to help me because thats who i need to talk with. i have contacted chysler capital because they are on my credit repore and XXXX chysler said you sign you have a car i said if you have the loan i want to cancel she said cant help you the lady at XXXX said the loan should have been cancelled and they want no for three weeks if they approved the loan. i was bullied and tricked into signing this paper work i need help what can i do i have no paperwork from the dealer or anything the car was left at the dealership
|
| 08/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I am in the process of improving my credit score so I opened a credit monitoring account. Over the last 2 years I have been contacting and paying off or removing old collections. I knoticed on my auto loan collections it showed Santander Consumer USA opened on XX/XX/XXXX and was last reported on XX/XX/XXXX. The amount shows {$15000.00} paid 100 % and account closed on XX/XX/XXXX. I tried to dispute to have this collection removed off my credit report as it was showing paid/charged off. Instead of it being removed it was declined and updated stating payments late/not paid through XX/XX/XXXX and states the last payment was made on XX/XX/XXXX, neither of which are accurate or rational. Due to this I called the Santander customer service hot line 3 different times only to never get answers. The 1st time I called they could not find any account under my name or social and then proceeded to give me 2 other collection agency numbers to call saying they sold the account. When calling those numbers no accounts were able to be found as well using any personal information. The 2nd customer support call still no account could be found and they stated they cant remove the collection if they cant find the account and I needed to redispute the credit bureaus findings. So I once again disputed this collection this time with a description of the reason for dispute, only to be told all the findings for the previous dispute would stand. They claim Santander is providing proof of this account although they are unable to provide me any information. I called for the 3rd time today only to be told for another time they are unable to find any account, collection, or information using my social security number and name. This has been going on for a month now with still no proof of an account and no change to my credit report.
|
| 04/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
To Whom This May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was a company I respected and was very thankful for. Back in XXXX I was in financial trouble and my car was repossessed. Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander did report the repossession back in XXXX but every since then they have also reported this as " Charge Off/ Write Off Bad Debt. '' I have possession of this vehicle, an XXXX XXXX XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all XXXX credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer. Thank you
|
| 06/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
|
| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car.
Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan.
The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront.
Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me.
I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.
|
| 04/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XXXX of XXXX due to my other car being totaled in water damage. Me and my wife moved last year and the XXXX XXXX was totaled by negligence due to the moving company hitting it with their moving truck.contact XXXX XXXX and told them I wanted to do a voluntary repossession because The car was totaled and the moving company was suppose to pay for it .They at that point decided to tell me they could put my current balance due on hold until the moving company got the car repaired But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle and the moving company will be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I knew that I had a balance left that was roughly {$28000.00} Which no payments were behind I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was { {$660.00} when they sold the car in XXXX the balance left was {$1000.00} Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
|
| 01/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I issued payment to " Chrysler Capital '' or " SantanderConsumerUSA '' in the amount of XXXX ( in one payment of XXXX on XX/XX/XXXX, and a separate payment of XXXX on XX/XX/XXXX ). The payoff amount was given to me by SantanderConsumerUSA '' and I included a letter stating " this payment is correct and satisfies the debt between '' my name and " Chrysler capital '' for the appropriate vehicle.
Now, on XX/XX/XXXX, I have decided to sell the vehicle and found that SantanderConsumerUSA ( Chrysler Capital ) still holds a lien on my vehicle. They have told me that I owe principle payments from beyond 2 years ago, but there is nothing showing on my credit report that I've ever had an account with these folks. I haven't received any mail or contact from the lender since the payoff. Basically, I thought I had paid the debt off, and that I owned the car.
Today, I spoke to someone from Chrysler Capital who told me that I could pay {$130.00} and settle the debt, but that I really owe ~ {$700.00}. So now I'm being forced into a position to pay for a debt, subject to an agreement for total payment ( the letter that they insisted I enclose with my payment, fully satisfying the debt ), that I've already paid. The lender doesn't seem to have accurate records, nor are they reporting credit information in a timely manner. Further, the company seems " scammy '' in that when you try to pay off your note or get information about what money the company is entitled to, they simply transfer your on the phone until you give up trying to find a solution.
I haven't been notified that I have an account open with Chrysler Capital, not even a " hey, we won't sell your info '' notice once annually. I see this company has other complaints, and I wonder if I fall within this group of poorly tracked accounts.
|
| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have vehicle that is a XXXX XXXX XXXX. I was told that my last payment would by XXXX but when I called santander consumer usa. On, XX/XX/XXXX I was told I have to pay XXXX. The company keep adding Fees not able to explain the break down of fees such as intrest also. I have noticed that my maturity date keeps changing. On XX/XX/XXXX I requested a pay off quote. What was stated is that I have 16 Days to pay off the pay off quote which is way higher then our final pay off amount.I stated it seems like I 'm being penalized for requesting a payoff amount they said no ma'am your not But that 's not what it sound like to me when things were explained. I do have recordings of the last two reps that I spoke with at santander consumer Usa. Also I have screen shots of my payment history, intrest and also how my maturity date keeps changing which means this company is adding on mics. Fees to my account causing my husband and I to pay out more. At this point this company is causing pain and suffering because the company is taking more money out of our pockets then tey should causing us to fall behind on other bills trying to keep up with this bill. I have tried to get the correct account balance that I know is supposed to be paid off for the last and final payment by XX/XX/XXXX but my husband and i know for sure the last and final payment will be paid on XX/XX/XXXX@XXXX est. This company has been sued for underhanded and dishonest practices and at this point My husband and I have proof of everything and want to begin to take legal actions against this company. So please if possible can someone send my husband and I in the right direction to go, to take legal steps. My husband and I have been ontime with all our payments never late and we have been loyal consumers but this company has not been loyal to us.
|
| 05/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This is for Chrysler Capital Financial on actually 2 different loans one was a lease and one was a loan. The first for the lease is they over charged us when we turned in our lease in XX/XX/2020 and were sending out a refund of {$370.00}. It took them until the very end of XXXX and several phone calls later to get the refund in the form of a debit card from Chrysler Capital, and they deducted {$150.00} for excise tax for the entire year of 2020. We turned the lease in XXXX the tax should have been {$9.00} but they refused to ask the town for an abatement for the year. We could not do this because it was a lease. The vehicle we turned our lease in for in XX/XX/2020 was totaled on XX/XX/2020. The at fault party 's insurance called twice for a pay off once in the beginning of XXXX then again on XX/XX/XXXX because the first one expired on XX/XX/XXXX and they did not meet that deadline. During this time we had made 2 payments and also had a refund credited to our account because we were able to cancel the extended warranty. The insurance paid the full payoff amount to Chrysler and now they are saying we owe {$3000.00}. They reversed the payments that we made ( they have already cashed and received the money for ) and charging us late fees and interest. Both these loans are also still on our credit and have had no recent reporting. This company currently holds an F rating with the better business bureau and should be investigated for fraud and abuse. These loans should be closed and paid in full at this point. We have called several times spoken with all different departments and there is always a different answer. As it stands now it is in review with their accountant department. What concerns me is how many people don't catch these things? how many innocent people are being robbed by this company.
|
| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander Consumer USA is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all XXXX credit bureaus since XX/XX/XXXX. Santander Consumer USA is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC.
Furthermore, Santander Consumer USA is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off.
Furthermore, Santander Consumer USA has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed.
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at Santander Consumer USA, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled.
Santander Consumer USA has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment.
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, Santander Consumer USA perpetually sends fictious information that they purport to be true and accurate information.
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.
|
| 03/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
i bought a car in XXXX, XXXX i financed it through chrysler capital ( account number XXXX ). my first statement from chrysler capital arrived in XXXX XXXX and i made a payment of {$480.00}. the next statement i received ( in XXXX XXXX ), which i have attached, showed that my account was current and the next payment was not due until XXXX XXXX in early XXXX XXXX, i was notified by chrysler capital ( via phone ) that my account was overdue. i called them and was told that i missed my XXXX payment. i told them that my XXXX statement said that my account was current and no payment was due until XXXX. they said they had made an accounting mistake and that my XXXX statement was not accurate. apparently, they had mis-applied funds ( {$670.00} ) to my account, then later reversed it without notifying me. when this was explained to me by the chrysler capital representative, i said i would make a payment immediately and they told me that any associated late fees would be reversed since the error was not mine. my XXXX payment was made on XXXX XXXX, XXXX when i received my XXXX statement ( also attached ), the late fee had NOT been reversed, nor was my payment from XXXX XXXX applied. i called chrysler capital and they said that that my request to have the late fee reversed was denied. i asked to speak to a supervisor and they repeated that the late fee would not be reversed, even though the reason my payment was late was due to an accounting error made by chrysler capital. i asked to have the matter escalated and the supervisor connected me to chrysler capital 's 'office of the president ', which led to a voicemail box. i never heard from them after leaving a message. i now ask that any and all late fees from my account be reversed immediately, as i was told would be done since the mistake was not mine.
|
| 07/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
Background : I had a joint XXXX bank account for years with my partner. We both put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed myself from our joint bank account on XXXX XXXX, XXXX but the account remained active under his name ( XXXX XXXX ).
On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately XXXX months of payments or the lender would repossess my car within the week. The lender told me that XXXX XXXX XXXX had pulled back all of the payments I made in XX/XX/XXXX for the car. I subsequently found out that all payments from that joint XXXX XXXX XXXX account in XX/XX/XXXX to my credit card with XXXX XXXX was also reversed as well, so I now owe the credit card companies thousands of dollars.
I have already contacted the consumer protection finance bureau regarding XXXX XXXX XXXX but I have to do it as well now with Santander Consumer USA. In order to get these transactions reversed XXXX XXXX XXXX says I need documentation stating why the transactions were reversed from Santander Consumer USA. I contacted them, but Santander Consumer USA is stating that its payments are done through a third party and they ca n't give me a reason for the reversed transactions. They ca n't provide me with the name of the third party either and are telling me to go back to XXXX XXXX XXXX for the information.
However, now that I 'm no longer on the XXXX XXXX XXXX account, XXXX XXXX XXXX is refusing to provide that documentation as well. I need Santander Consumer USA to release this information or at least the name of the third party so that I can get written documentation as to why these payments were reversed.
|
| 08/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
On XX/XX/2018 I purchased a Jeep, VIN XXXX, from Momentum XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over 709 at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. Mr. XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately 17K miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over XXXX hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX.99 because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. 6 ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX. I started a plumbing company and did well for a year and a half then the vivid pandemic hit. During the pandemic, I had to shut down for XXXX weeks due to a covid scare, then my main income, which was plumbing in new custom build homes, stopped due to the strain of the pandemic on my customers. I applied for different Covid assistance programs but the money for businesses was already depleted before I could get any help. This put me in debt and as a result I had to shut my company down. I have XXXX late payments on my truck loan with Santander USA. Late payment one was XXXX of XXXX, late payment two was XXXX of XXXX, and late payment three was in XXXX of XXXX. I also suffered an eviction after a short time with no heat or water due to the loss of income. Since XXXX I have gained and maintained a steady income, paid off the majority of debts/collections I accrued, and paid my bills on time. I currently live with my mother and need to get a new home, a mortgage advisor suggested I call Santander USA and attempt to have the late payments removed so I can qualify for a mortgage before XXXX of XXXX. I also have been declined by rentals mainly due to the late payments Santander USA reported during a worldwide pandemic. I offered to make extra payments or do anything proactive to have the late payments removed and Santander USA refuses to remove any late payments accrued during the worldwide pandemic that everyone, especially small business owners, was effected by. I believe I should be given the opportunity to have these late payments removed considering the worldwide pandemic that was happening and hope that you can help.
XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Company in complaint : -Santander USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX
|
| 05/08/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem extending the lease
|
|
Web |
|
|
My lease term ended on XXXX however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with XXXX on XXXX which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor appointments and we are only the 2 that drive in our home. My husband was n't on the mend after having XXXX and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date ) my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on XXXX when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of Santander who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history
|
| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account has been improperly reporting since XXXX reporting on-time with XXXX, when after speaking with multiple reps this account was charged off in XXXX of XXXX. There should have been no reason for this account to be reporting inconsistent as it has. I became aware of this a month ago when i was denied a federal student loan for this account reflecting open within 2 years with a balance when it should have been reflecting charged off for over 6 years. Federal student loan would not accept my appeal stating this account was within 2 years and i needed a letter proving the date of charge off. I have been in contact with your company for over 2 weeks regarding the intentional irresponsible reporting to my XXXX credit report. I have called numerous times regarding this issue that was finally corrected with the credit bureaus. These irresponsible actions have caused for denial of lines of credit. In light of the previous suits of Santander consumer violating consumer laws within my state and most recently violation CFPB resulting in an internal investigation and civil penalty I am fully willing to proceed with bringing this to the light of the attorney general of the State of New Jersey for once again violating consumer laws which are in place to protect myself and other consumers. Your company was previously advised by the CFPB to have corrected these issues in which you did not and are still violating consumer laws. Over the past 5 years you have improperly reported this account to the credit bureau of XXXX. I have made an attempt to remind your company of your duty pursuant 15 USC 1681 on your intentional and neglectful actions in remedying my affairs. 15 USC 1681e ( b ) assures i am due, promised accuracy in my report based on federal laws and you have done exactly the opposite.
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.
|
| 10/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2018 I purchased a XXXX, VIN XXXX, from XXXX XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over XXXX at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. XXXX XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately XXXX miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over 5 hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. XXXX ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
|
| 03/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted.
I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title.
After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.
|
| 08/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call on XX/XX/XXXX at XXXX XXXX from a private number stating that he was a representative from XXXX XXXX XXXX XXXX XXXX He said he tried to deliver a summons to me last Friday to appear in court but was unsuccessful. He then said, " unfortunately the document is sealed, but you can call the lawyer in charge of this matter. '' He proceeded to give me the number to a law office which is XXXX. He also gave me a case reference XXXX. I asked was there anyway I can get a copy of the documents and he said to just call the number.
When I called the number I was asked for the case reference number and put on hold and transferred several times. I was then put on the phone with a woman who never identified herself or the law office she was representing. She said this is concerning a car loan that was never paid with Santander Consumer USA. She said that the summons was for me to appear in court because I was being sued for a wage garnishment. She said the debt was over {$11000.00}. She said they tried to contact me in XXXX. The car loan I had with Santander is from XXXX, over 15 years ago. I gave her my address and told her to send me the information in the mail. When I contacted Santander they said the debt was around {$6000.00} and too old for them to pursue.
After I got off the phone with them I called Santander USA and inquired about this and they had no knowledge. They said they have not tried to contact me since XXXX and the debt was sold from Santander and should no longer be on my credit report because it has been over 15 years.
I want to report this because the lady was very abusive and argumentative. Also when calling the phone number the law office does not identify itself by name so I'm sure this is a scam. I just want to report it so other consumers can beware.
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
XX/XX/XXXX *CHAPTER XXXX BK DISCHARGED AUTO LOAN DEBT AS EXEMPT " SANTANDER AUTO LOAN BALANCE OF {$22000.00} UPSIDE DOWN DEBT FOR XXXX XXXX XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX FOR {$17000.00} WAS DISCHARGED '' XX/XX/XXXX *SANTANDER SENT ME " NOTICE OF INTENT TO ACCELERATE AND REQUIREMENT OF STRICT COMPLIANCE '' LETTER ADVISING DEFAULT OF CONTRACT STATING LATE ON MAKING PAYMENTS DEMANDING PAST DUE AMOUNT OF {$2700.00} BY XX/XX/XXXX -- MY ATTORNEY ADVISED ME SAME DAY TO DISREGARD THE LETTER BECAUSE IT VIOLATES BANKRUPTCY DISCHARGE LAWS XX/XX/XXXX *XX/XX/XXXX XXXX XXXX WAS STOLEN FROM MY DRIVEWAY, IN THE MIDDLE OF THE NIGHT, BY AUTO REPOSSESSORS HIRED BY SANTANDER.. MY SON HAD DRIVEN HOME FROM COLLEGE THAT WEEKEND ON EMERGENCY MEDICAL LEAVE FROM UNIVERSITY OF XXXX WITH ALL OF HIS BELONGINGS STILL PACKED IN HIS TRUCK, WHEN WE WOKE UP THAT SUNDAY MORNING TO FIND EVERYTHING GONE -- MY ATTORNEY ADVISED ME SAME DAY, THATS NOT LEGAL, BUT NOTHING WE CAN DO NOW XX/XX/XXXX *LETTER FROM SANTANDER STATES DECLINED FOR VEHICLE LOAN DUE TO " PREVIOUS REPOSSESSION '' XX/XX/XXXX *DECLINED AUTO LOAN BY XXXX XXXX, SANTANDER AFFILIATE XX/XX/XXXX *CREDIT INQUIRY FROM SANTANDER AUTO DECLINED APPLICATION FOR AUTO LOAN XX/XX/XXXX *OFFICIAL DOCUMENT LENDER PRE-APPROVAL FROM GOVERNMENT APPROVED LOAN TO ASSIST WITH AUTO LOAN QUALIFIED BY SPECIAL LENDING FROM BANKRUPTCY DISCHARGE DIVISION WITH XXXX DOWN PAYMENT ONLY NEEDING COPY OF TDL WITH PROOF OF INCOME DECLINED BY SANTANDER AS THE SPECIAL BANKRUPTCY DISCHARGE LENDER IT'S BEEN THREE YEARS AND FIVE MONTHS SINCE BANKRUPTCY DISCHARGE AND I STILL CAN NOT OBTAIN AN AUTO LOAN DUE TO SANTANDER FLAGGING ME TO ALL OTHER LENDERS AS A REPOSSESSION AFTER BK DISCHARGE WITH AN ATTEMPT TO COLLECT DISCHARGED DEBT ON VEHICLE THEY TOOK WITHOUT LEGAL COMPLIANCE TO BK RULES.
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
|
| 01/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me I would make my payments to Santander under the same terms of my original contract through Gateway One.
On XX/XX/XXXX, I filed a complaint with CFPB ( Complaint ID XXXX ) due to a significant payment discrepancy as well as correspondence issues after several phone calls and letters between myself and Santander Consumer USA. The conclusion of that complaint led to the notification that Santander would be releasing the truck title to me " free and clear ''. I was also informed the payments ( totaling {$3100.00} ) I made during and after the loan was sold ( XX/XX/XXXX-XX/XX/XXXX ) to Santander Consumer USA should not have been collected due to my bankruptcy filing in XXXX and an " error '' between Gateway One lending XXXX XXXX and Santander Consumer USA. I was first informed the title was being released in XX/XX/XXXX, to be received in 30-60 days. I called back on XX/XX/XXXX to verify what I was told earlier in the month and it was verified. I called back on XX/XX/XXXX to check the status of the title and was told it was still being processed. I called again on XX/XX/XXXX and was told they are still waiting for the title office to approve the release of the title and I should wait until after the 1st of the year. I received the title on XX/XX/XXXX but I received no response on the payments I requested refund for since the payments I made should not have been collected per the Santander Consumer USA representative.
|
| 04/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The sales person that sold me the car didn't disclose to the TILA act, he lie about the interest rate ( he said it was 1.7or 8 %, it turned out to be 24 % ), he lied about the term of the loan ( he said it was for 3yrs, it turned out to 6 or 7yrs ), He extorted from me by lying about the initial amount that I needed to put down, in cash ( he first said, {$1000.00}, then later an additional {$1000.00} ). In the very beginning, I explained to him that this was my first time buying a car from a dealership ( I've always bought and paid cash for cars from private owners ), and I knew nothing about interest rates, finance charges, and I ask him if he'd explain the contract to me word for word. Later, I discovered that he gave me the " readers digest '' version of the contract, he left out important information and much more. The way I found out about all of the above, was after a year and eleven months, I got an email from the dealership informing me that I now qualify for an " up-grade. '' So, I called and made an appointment to come in and checkout a newer model car, XXXX XXXX XXXX. The GM ran my credit report twice, and chose the lowest report and told me that I don't qualify for an up-grade ; my credit score wasn't that good when they found a bank to finance me, and sold me the vehicle in the very beginning. While I was there ( the dealership ), I asked to speak to the sales person that sold me the car ; and was told by another sales person that he was released/fired, because he did some very bad things to customers. And I was one of his victims. I wrote them a email letter detailing all of my complaints about everything, but disregarded my complaint and never responded to me.I would like to forward you the letter that I wrote to the GM and the Manager of the Service Department.
|
| 09/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX.
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX.
When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note.
After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day.
On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day.
Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation.
I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I reached out to Chrysler Capital on XX/XX/21 at XXXX XXXX CST about my end of lease options and to get more info on some items on my second account. When I spoke to the representative the information provided was very limited and not clear on what I can do to extend my lease or purchase more miles. Towards the middle of the call the representative advised me I had no options but to wait until the end of my lease. I asked her what are the options for me to turn in early since I was aware leases you can turn in at any time. She advised the fees and credit damage if I turn in my car early. That is when I asked her what will be getting reported to the bureaus. She advised it would be showing that the contract was terminated and that it would affect my credit. I explained to her I was knowledgeable of the credit reporting seeing as I too work with reporting but I asked what would be reported not if it would affect my credit. She proceeded to advise that it would affect my credit unless I wait until the end of my lease. This began to sound like it was an abusive way to keep me in my current lease when all I wanted to is to look at my options to get into a new contract still working through the same company. I called back to file a report and no one was available to do so. This kind of treatment is unacceptable considering how I a consumer with multiple accounts with this organization and this call was to get more information about continuing a partnership. The fact that she provided limited to no options but to wait for me to end my lease makes it a forced on situation on a contract that is known for flexibility to end at any time. To also top it off by saying my credit was going to be affected is deceptive because she is not the credit bureaus to advise my credit will be affected.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19.
Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.
Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
By definition a Creditor is any person or entity that extends credit with intend to repaid in the future.
Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law.
In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
|
| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was apart of a joint auto loan that was taken out on XX/XX/XXXX for {$15000.00} with Santandar Consumer USA. This account was paid $ XXXX monthly until XX/XX/XXXX for a total of 64 months totally {$26000.00}. I have called several times a year starting in XX/XX/XXXX and sent many disputes to both Santandar and the 3 major credit report requesting an amortization schedule of payments and correct reporting of this loan. The Truth Lending Act requires creditors to give consumers written disclosure of important terms of the loan before they sign. This includes the APR, finance charge, monthly payment amount, payment due dates, amount financed, length, and any charges for late payment. The key word here is " written ; '' no word of mouth promises will do. On my credit report dated XX/XX/XXXX there are discrepancies in the amount still owed on the account after voluntarily surrendering the vehicle in XX/XX/XXXX. How is it possible to pay on a vehicle for over 5 years and still owe a balance of {$12000.00}? This is only a {$3000.00} of principal applied on a 60 month note. The amount owed is a guess as it varies on my different credit reports. Santandar won't cooperate with my request and the credit bureaus have failed me in accurate reporting. This loan is ruining life and credit profile and I have exhausted all options to get this account rectified. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesnt need, doesnt want or cant afford.
Below are links to lawsuits against this company. Please see attached.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car. On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that the car was auctioned off for and the balance keeps increasing on my XXXX and my XXXX credit report
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out an auto loan from Santander in XXXX 2014. The loan has been in auto pay with no issues until last week. Last week I contacted them for the first time since I have had the loan and advised that I would not have the money available when the payment was scheduled to extract on the XXXX. The call center representative assured me that the payment would not extract, I even asked her if she was certain and she said " yes ''. When reviewing my bank account after the due date, I noticed that the payment had extracted from my bank account and I called Santander. I requested to speak with a supervisor who was not helpful at all. He stated he did n't know why the payment extracted but that he could refund it and I would have it back within 7 - 10 business days. I find that to be totally unacceptable and unfair to the me. As of today the payment still has not been refunded and I just called Santander again at XXXX EST and got a message that they are either closed or on the phone. At this point I do n't know what else to do other than ask for help from the CFPB, I have contacted Santander one time since accepting the loan from them almost two years ago, and asked one thing and they have failed the only thing I have asked them, this does not give me any confidence in them as a lender. Their poor service is causing me harm as I believed what they told me and anticipated that the funds would not extract. Obviously, I am not looking to not make the payment and I have never been as much as a day late with them, unfortunately I had some unplanned expenses come up and needed to pay a few days after the due date this month. I have attempted to contact them multiple times to try to resolve the issue, and I am either unable to reach them or when are unwilling to help when I do reach them.
|
| 05/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.
|
| 04/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted Santander and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later.
When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year.
I contacted Santander and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me.
The payments I was making after that point were simply keeping the account from going 60 days past due.
This is an error on the part of Santander ... NOT on my part. I have disputed this with your bureau and it remains on my file.
Perhaps Santander correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : Santander then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA.
I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX.
I then provided a copy of my XXXX file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before.
THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
|
| 01/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
In XXXX, I financed a XXXX Ford Fusion for 5 years with Santander Consumer USA Company. I paid a down payment of {$1500.00} and a monthly note of {$420.00} for 36 months. After paying for 36 months, ( which was 3 years later ) the Balance was ONLY {$3000.00} less than the Initial Financed Amount. I WAS IN SHOCK!!! HOW COULD THIS BE? The car was financed for {$18000.00}, THIS IS A RACKET OR SCAM. In XXXX, XXXX, I traded my Ford Fusion for a new vehicle. During this process of trading my Ford Fusion on a new car, I was told that the PAY off on XXXX XXXX was more than {$15000.00}. The car only Cost {$18000.00}. And after paying a REGULARLY monthly payment How can the PAY OFF BALANCE STILL BE ALMOST AS GREAT AT THE INITIAL FINANCING OF THE CAR BEFORE ANY PAYMENTS. My monthly payment was {$420.00} EACH monthly. And ON Several Months I paid {$440.00} or more. This is interest Gauging or Unfair and Unlawful Interest to the Consumer. I also was then told that the car was financed for 72 months instead of the 5 years. And How Can The Pay-Off be more than {$14000.00}. When I Disputed it and talked to several Managers at Santander I was Told " This is the Pay-Off on the Day in Question, IT IS MORE ON A MONTHLY PAYMENT SCHEDULE. THIS CRAZY! I HAVE NEVER BEEN 30 DAYS LATE. AND NOW THEY HAVE SENT NOTICES STATING I OWE THEM WHEN I DO N'T. AND THEY ARE REPORTING FRAUDULENT, ERRONEOUS REPORTS TO THE CREDIT BUREAUS STATING I HAVE BEEN MORE THAN 30 DAYS LATE WHEN I HAVE NOT! THEY NEED TO CORRECT THEIR RECORDS AND THE CREDIT BUREAUS REPORTING, STOP ASSASSINATING MY CREDIT AND REFUND ME ANY MONEY WITH INTEREST THEY TOOK DUE TO FRAUD AND ERRONEOUS INTEREST GAUGING TO THE CONSUMER. ALSO THEY ARE PROBABLY PRACTICING THIS FRAUDULENT BEHAVIOR WITH XXXX OF CUSTOMERS. IT NEEDS TO STOP AND DESIST!
|
| 02/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a car loan through Santander Consumer USA, I have had several deferments on my loan to get caught up. I also had my car repossessed without notice. I was advised in order to get my car back I would need to at least pay my car note payments current. Which I did. Since then have made my payments on time, however my interest amount and balance have only seemed to go up. I then called today XX/XX/XXXX to find out why if I just made a payment yesterday did my balance not go down nor my interest. I was advised I made a partial payment XX/XX/XXXX which has carried over. I first spoke with agent XXXX, then to Supervisor XXXX who informed me of this. I asked XXXX if my car was taken and I paid my car notes current, as well as had several deferments since XX/XX/XXXX do I have a carry over balance. XXXX first explained deferments only carry over the exact payment and nothing more. I advised him I was not informed of this in writing nor by the agent at the time of agreeing to the deferment. He then advised when I was told to pay my car note current to get my vehicle back that I was given a lesser amount. I again explained to him I was not aware of that and only paid what I was told, pay all car payments current. He said that is how it works and he can do nothing about that. I was also charged fees XX/XX/XXXX and no one can explain why. I have had this car since XX/XX/XXXX and my balance has only went up and not once has it went down. When I first spoke with XXXX I asked her why would my entire payment go to interest which she advised, she stated that from XX/XX/XXXX - XX/XX/XXXX I accrued {$530.00} in interest and she did n't know what the interest balance was prior to me making my payment. She told me to calculate myself each month on what I would be paying in interest.
|
| 10/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In 2006 I purchased a XXXX Ford Taurus from a local used car dealer. The contract was through XXXX XXXX XXXX for 72 months at XXXX per month. I had enrolled in a XXXX school to change careers so I needed the car. A short time later, I received a letter in the mail informing me that my loan had been sold to Santander of XXXX and that they needed me to sign a contract in order to keep my loan current. After I signed the paper it seemed that I was already late on my loan. I continued to make the payments until I had a hardship. I called Santander and asked if they would roll my payment over to the end of the loan. They were all too happy to help. I think I had to do this two other times as I was in school full time. When I got to the end of the contract I noticed that I owed something like XXXX at the maturity of the loan. I called Santaner to ask what the error was about, and I was informed that it was n't an error because they compound interest daily and since I was late from the beginning of the loan that I still owed the money. I paid the last payment ( 72 ) as per my contract with XXXX XXXX and considered the loan paid in full when I sent the last payment by check. After a few months a truck came to my door at XXXX XXXX and took my car that I had paid over XXXX for. At this point in time my wife was using the car to go to her Dr. appointments. Santander has stolen my car, took my money, and damaged my credit, and continues to put CO ( charge off ) on my credit report every month. I got advise from an attorney and the law firm I used said that Santander did nothing wrong. I contacted the Attorney General in Texas and I was informed that they would not speak to him because he was n't on my account. To this day Santander Consumer USA continues to damage my credit.
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
Servicemember |
|
On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
we leased a Fiat 500E for over 20 months on a XXXX lease, and decided to terminate the lease early. We than were told be Chrysler Capital that our final bill was more than XXXX, which is more than half the price of a new car.
here 's detail : Prior to the termination of a 36-month lease at the XXXX month, a customer service person of Chrysler Capital informed me through telephone consultation on XX/XX/XXXX that, for the early termination they would charge me approximately USD XXXX as an early termination fee in addition of the normal end of lease termination fee. It was based on this information that I decided to terminate the lease and consequently returned the car to XXXX on XXXX XXXX.
On XXXX XXXX, I received a written notice from Chrysler Capital that the total amount for the early termination was {$27000.00}, subject to a final bill ( XXXX ). Out of shock, I called their customer services hotline immediately. To my aghast, their representative denied the early conversation that I mentioned above.
In any event, the amount of {$27000.00} as the charges for the early termination is preposterously outrageous. It is almost as much as the price of a new car of the same specification.
The next day, I called your company again, requesting a copy of all documents in support of your claim. Only after about 2 weeks did I receive a scan copy of a contract that was completely illegible : XXXX pages that were originally printed on XXXX paper were now squeezed into only XXXX page.
Despite of my repeated requests of a copy of the normal or legible size of the contract and your customer service representatives ' consent to do so. After almost 2 month, I finally got the final bill and scan of the contract.
I also attached a pdf of our lease payment statement.
|
| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ).
All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase.
The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step?
The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need.
I am attaching a copy of the letter from XXXX XXXX.
|
| 02/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence.
Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ).
I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}.
I hope I get the justice I receive.
Thank you for taking the time to consider my case.
I can be reached via email at XXXX or by email at XXXX.
Very Respectfully, XXXX XXXX XXXX
|
| 08/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My name is XXXX XXXX I purchased a vehicle at XXXX XXXX in XXXX TX.
The vehicle was purchased using Motor vehicle retail installment sales contract with arbitration Provision. The buyer listed in the contract is XXXX XXXX and seller/ creditor listed as XXXX XXXX XXXX XXXX. The arbitration was settled by transfer of title which is proven by odometer statement and vehicle was sold as is as proven by the buyer guide. The title was transferred by state of Texas and has me listed as owner with previous owner being XXXX XXXX of XXXX tx. This is proven by the registration papers for Texas department of motor vehicles.
Once I received the registration for the vehicle it has had a lien placed against it from Santander consumer XXXX XXXX and since that time they are sending threatening letters and stating that they are going to repossess the vehicle. I have contacted Santander and requested a release of lien but they have not or are not willing to do so. I am filing this complaint because it is my opinion as a third party to the sale it should have been illegal for Santander consumer to put a lien on vehicle in first place and in the state of Texas a lien does not give a company the right to repossess a vehicle it seems to be harrasing and threatening treatment and an attempt to cohere individuals into accepting acceptance.
My vehicle has been impounded as a result of this I can not get vehicle out of impound Santander consumer has attempted to call impound to retrieve vehicle which they do not have a right to do which they were told no The documents attached will prove the contract title transfer as is purchase ownership and lien that was placed on vehicle as well as threatening and harrasing attempts by antander consumer USA to collect a dept that is not owed
|
| 03/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I took and auto loan out in XX/XX/XXXX with Santander Consumer USA. My first payment was due XX/XX/XXXX. I made the payment XX/XX/XXXX of the XXXX payment XXXX was applied to principle and XXXX was applied to the interest. On XX/XX/XXXX I made my XX/XX/XXXX payment and XXXX was applied to principle and XXXX applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to the principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. on XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. So when I saw that I called Santander USA and requested that since I have paid my loan so far in advance I asked that the entire payment be applied to the principle, which they said that they would do. Today XX/XX/XXXX I called in once again to see why my payment was not properly credited as promised and I was told that they would not do that. So my first issue is that they are refusing to properly credit a payment paid far in advance of the agreed upon payment schedule. Then they are charging far too much interest on that payment than what should be applied if you accept their claim that every payment made has some type of interest applied to it. Since this payment covers my XX/XX/XXXX payment and it was paid on XX/XX/XXXX why are they able to charge me XXXX dollars less in interest than they did in my first payment due XX/XX/XXXX paid XX/XX/XXXX? the interest charged on that payment was XXXX and the interest charged for my XX/XX/XXXX payment was XXXX when the XX/XX/XXXX payment was made a full 4 months in advance?
|
| 05/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off
|
| 05/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX in XX/XX/XXXX. My loan was provided by Santander USA the payment was for XXXX interest rate of 23.6. The original amount of the loan was just under {$19000.00} which included the required warranty and GAP insurance.
I learned that the maximum interest rate allow in Virginia is 15 % for loans with a principal balance over {$1400.00}. I have made roughly 40 payments totaling {$19000.00} give or take and my payoff is over {$20000.00}. I was able to pull a report which showed me that every payment aside of {$500.00} to {$600.00} went to interest.
VA law stipulates that payments are to be substantially equal between interest and principal it also states that 60 months is the allowable time frame for loans and mine is for 81.
Ive paid half of my loan by making 40 payments yet nothing has gone to the principal. I also learned that they started charging me late fees even before my first payment was do and continued adding the late fees.
On XX/XX/XXXX I contacted Santander and let them know that I was unable to afford the loan and I was voluntarily surrendering the vehicle on the same day I turned in the vehicle tags and canceled insurance. The vehicle was then picked up around XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a phone call looking to receive XX/XX/XXXX payment. As of XX/XX/XXXX I had my account up to date. I didnt have a past due balance aside of all the fees they kept tacking on which I was ensured I would not incur fees if I paid it on the back end.
On XX/XX/XXXX I called and requested all the information regarding my account to include loan agreement, history, fees, payments and notes associated with my account. I also verified with the agent that my interest rate is 23.6 % well over the legal limit.
|
| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.
My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment.
The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.
The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.
There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.
There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.
The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with Chrysler Capital back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed Chrsyler Capital XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to Chrysler Capital they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit.
Chrysler Capital stating they are going to do an audit to see what happened.
I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX. Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
In XXXX, I was made aware an Attorney General Multi-State Settlement against Santander USA. I have reached out to them multiple times with regard to my auto loan and the settlement but they are unable to provide additional information. I believe my case should be included in the settlement due to subprime lending activities and failure to appropriate apply payments to my account.
XX/XX/XXXX, I purchased a XXXX XXXX XXXX with financing through Santander USA. The purchase price was {$17000.00} with total payments of {$30000.00} and an APR of 19.55 %. Recently I noticed that many of the payments I made were going entirely to interest or varying amounts that do not increase. In order to understand these occurrences I reached out to Santander several different times. During one call the representive was unable to explain the interest only payments despite the fact the on time payments. He advised me to make the payments ONLY on the due date and that the disperencies were due to my simple interest loan. During another conversation with a executive representative she suggested I make the payments before to avoid the entire payment being applied to interest. At the current monthly payment and APR the vehicle would not be payed off at the end of the contract. After 24 months of payments, only {$2000.00} has been applied to the principle. Several months I have payed more than the payment amount and still the entire payment has gone to interest only. I have made the payments on time and in full.
I allege that I, like many others were given subprime loans and outrageous APRs. I have attempted to reach an agreement with Santander USA but have not been successful. In addition I believe that I should be eligible for relief under the Multi-State Settlement.
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XX/XX/XXXX, I, XXXX XXXX XXXX signed an agreement with XXXX XXXX of XXXX, VA for a XXXX XXXX XXXX XXXX. I feel the asking price of the car was ok to fair for the vehicle. However, the interest rate and monthly payment of the car exceeded what interest rates I had in the past and the payment was the same as when I traded in two vehicles on a new XXXX XXXX back in XXXX ; both being approximately in the range of $ 750- {$800.00} a month. I could understand paying this much in XXXX because that's what I paid for two vehicles a month prior to trading them in on the XXXX XXXX, which when the two vehicles were traded in, I still paid {$700.00} and my lease was set to expire on one of the two vehicles. I surrender the XXXX XXXX in a XXXX banruptcy for reasons other than the payment being two high. In XXXX, a XXXX for {$700.00} isn't unreasonable but this car is not new and the interest rate of 18.53 % is what makes the payment higher than normal. I happen to believe that this car with my past and normal interest rate ( s ) offered would be in the $ 550- {$650.00} range. However, my credit report is not accurate and causes higher than normal interest rates and fees. I have signed the paperwork for the vehicle, but I have not taken possession of the vehicle at this time. The intent is to finance XXXX XXXX {$1500.00} and pay {$100.00} at the time of pickup. The other approximate {$33000.00} ( with the identified cash payment being {$34000.00} ) is to be paid as a part of an auto claim against XXXX XXXX XXXX and XXXX. The XXXX XXXX XXXX surrounding the auto claim with XXXX XXXX XXXX and XXXX was furnished but was not in lieu of the loan as it was a no money down purchase. Insurance for XXXX XXXX XXXX has been notified to add the vehicle to the policy.
|
| 07/28/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.
|
| 06/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
This is second CFPB complaint against this creditor. Purchased vehicle new XX/XX/XXXX. Consumer was a payment behind on mortgage and turned down by my bank. Dealer suggested approval with this lender to save the sale. Advised consumer to keep payment history good for 12 months and then refinance out of this high-rate loan.
Consumer contacted lender to change due date from XXXX to XX/XX/XXXX. In order to refinance payments were made on time and extra payments made towards principal from XX/XX/XXXX to XX/XX/XXXX.
Consumer made payments on bi-monthly schedule that corresponded with payroll. Lenders accounting system is unable to handle the partial payments and misapplied them. Bill is always in arrears and no idea where extra payments are applied.
Consumer requested an audit of account XX/XX/XXXX. Consumer credited for extra payment for XX/XX/XXXX. For XX/XX/XXXX, lender states account is past due after the audit. Lender states a payment for XX/XX/XXXX was not received. However, lender reported to XXXX, XXXX, and XXXX that consumer 's account has been paid as agreed from XX/XX/XXXX through XX/XX/XXXX. Account was never late. Therefore, the alleged " missing '' payment for XX/XX/XXXX, was not reported to credit bureaus as late.
Consumer expects that payments were not applied properly due to deficiency in lender 's accounting system that does not support partial payments. Consumer also suspects that this lender consumed extra payments in fees.
Consumer has maintained a stellar payment history with this lender. Although extra payments were made for the majority of the servicing period, consumer is unable to impact the principal balance in order to refinance. This is a good consumer in a bad loan and the lender wants to keep it that way.
|
| 03/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Due date every month is XXXX. Company has one time of the loan you can change the date. I changed the date on the XXXX in the morning to the XXXX and they sent the charge anyway. I did this on the website.
1. The biggest problem with this is there was no confirmation email sent saying there was a change. Any change on an account should always have confirmation sent either by email or by mail if any change is made.
At the same time on the website, I took off my auto payment information. The payment information was still charged.
2. The biggest problem with this is there was no confirmation email sent saying any change was made on the account either by email or by mail. I have the account setup by email so I should have received something.
I called on XX/XX/19 and spoke to a representative named XXXX who said it was still setup on autopayment and that taking it off of auto payment on the website does not cancel autopayment. She also stated that changing the due date does not cancel the payment and that a phone call is required to make both changes. In other words the website makes no changes.
The Consumer is not protected at all. The company is overprotected. There is no governing laws being applied to this company to protect the consumer in any way.
When I called on the XXXX, I asked the rep if I could move the payment to a little further out since it had only been 3 days. She said no. I asked for email confirmations to be sent to me in regards to the changes I made on the XX/XX/19 date and the rep said no.
The rep stated that it is clear when you make the changes that it is a one time opportunity to make a change on the date. I asked the rep if there is anything she could do to assist me. She asked what I would like her to do for me.
|
| 12/18/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I don't know if I should file this complaint against multiple companies or if I should file separate complaints. One complaint deals with the original creditor and the collection agency trying to get double enrichment because both of these companies are citing this derogatory account on my credit profile. The vehicle in question was subsequently sold at an auction and I believe that this company owes me for a surplus of cash that they received from the vehicle. This company did not give me any of the prerequisite notifications before or after this vehicle was sold therefore I don't know how they came up with this amount of money that they claim I owe them but I do not owe them this amount of money, to the contrary I believe they owe me. They are refusing to validate this debt, they only sent basic verification information to the credit bureaus for A name and amount, but I specifically asked that this account be validated as an accurate and true. I asked for a list of items which they are refusing to give me, the original instrument of indebtedness in its original form, a calculation of deficiency amount including the fees and interest, a copy of the assignment a purchase from the Creditor with a full and clear title, bank statements proving late payments were deposited on a date, proof that the debt collector legally bought this debt and the amount the debt was purchased for, notice of sale, post-sale notice, accounting of surplus, disposition of collateral, repossession deficiency balance, right of reinstatement, right of default, certification of accuracy, they refused to give me any of this information that I requested. I'm asking that this account and all negative remarks associated with it you immediately removed from my credit report.
|
| 10/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I have a loan with Chrysler Capital. My ex wife had filed Bankruptcy and the bankruptcy was final on XXXX of XXXX. I was not aware of the decision that XXXX XXXX had made with the act. I understand the fact about bankruptcy privacy law and do to the fact that ex wife was a co applicant. After that my wife and I were having difficulties with our marriage split up and divorce. Now I requested XXXX XXXX to explain to me what was goin on with my act. All I got was the run around. Finally i call on XXXX the XXXX XXXX and spoke with a young XXXX female and she explained to me that. They decided to forgive us for the bankruptcy. Since XXXX of XXXX i continued making regular payments to the vehicle. The young lady stated that they were not going to release the title till they get the full payment of XXXX. I asked her what i needed to do to get them to continue bssns she stated that i needed to refinance the vehicle with another finance company. I asked her what about the pmnts i made for a full year? She stated that it was voluntary ... I asked voluntary? All thia time i was making pmnts thinking everything was ok. Then i called the Credit bureau and asked for all three reports. Since i have brought this truck last year not once have Chrysler Capital reported my payments before the bankruptcy. I feel i have been discriminated against and filing a compliant on this matter. This is my first vehicle and last do to the experience that Chrysler Capital made me feel discouraged. Now I am asking for all my full pmnts that was made to Chrysler Financial plus the title to the vehicle. I will give them some time to review this complaint. Mean while if they do not meet my demands this matter will be taken on a civil action. Thank you for your time God Bless.
|
| 01/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me.
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee.
In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX.
When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again.
On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid.
I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information.
In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital.
I was promised that the fee would be
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts.
To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check.
My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX.
It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}.
I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from 2021 during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year 2021 which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was XXXX late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX immediate family members with negative credit and to harm life style.
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
My issue is with Chrysler Capital. I leased a XXXX XXXX, and recently bought it out of the lease for {$23000.00}. Of that amount, {$1500.00} was sales tax.
When I received the bill of sale and title, I took it to our county title office to have it put in my name. I was told at the office that they had not received my sales tax, and that I could not own the vehicle until it was paid. I called Chrysler Capital for advice on how to proceed. I spent over an hour on the phone that day trying to be directed to a person in the title department. Once you no longer have an account with them, it 's nearly impossible to get through their automated process, as your SSN is no longer recognized.
When I got someone on the phone, she checked in to everything and assured me that the sales tax would be coming back to me. I was very clear that I needed it to come to me, a check in my name. She said yes - 7-10 days and I would have a check in my hands. She told me that I could wait for it, or pay the Sales tax again to have the vehicle put into my name that day. I decided to pay it.
Two weeks later, I have no check. I have now spent the better part of 2 hours trying to reach someone at Chrysler Capital. The first woman in the title department looked into it, and then told me that there was no check coming to me. We were then conveniently disconnected when I questioned it. She never called me back. I called back three more times, after going through the automated process each time, I was hung up on again three times. I have a complaint in to my dealer. Please help me resolve this issue and get my missing sales tax. I would love to hear a copy of my phone calls that are 'monitored and recorded ' each time, as they will confirm my side of the story.
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector.
I have filed a claim with XXXX over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer.
Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim.
XXXX removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX they have yet to remove it and refuse to acknowledge XXXX investigation making their investigation negligent.
XXXX caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
|
| 07/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
We purchased a car on XX/XX/XXXX from Santander Consumer, USA. It was a 2006 XXXX.
In XX/XX/XXXX we voluntarily had the car repossessed due to job loss/income loss.
After the repossession we never received anything from Santander indicating we owed on the car. It was not until XX/XX/XXXX that we received our first notification that we allegedly owed a balance of {$9000.00}.
We then requested the following information to three different collection agencies ( the account was sold on several occasions ) and cc 'd Santander Consumer USA. None of the following information was ever received : The original contract from Santander The agreement giving them a security interest in the car The agreement giving them the right to sue for a deficiency after the took the car Proof of assignment of the debt Proof that our rights to redeem the car was sent and when we could have done that Proof of our right to reinstate the loan and when we could have done that had we chosen to If the car was sold at a private sale, the sale date If the car was sold at an auction, the date, time and location of the sale and A calcuation of the deficiency balance ( or surplus if applicable ), including a description of the fees and charges.
We also never received proof that Santander sold the care in a " commercially reasonable manner. '' The original loan amount of the car was for {$10000.00} minus a down payment of {$1000.00}.
At the time of the voluntary repossession the fair market value of the car was over {$7000.00} as it was in decent shape. Therefore, we have no idea how we could owe over {$9000.00} on a car that we did make payments on for almost 3 years and at the time of repossession was worth over {$7000.00}.
Sincerely, XXXX and XXXX XXXX
|
| 08/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.
|
| 09/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?
|
| 07/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed.
Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score.
I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.
|
| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This complaint is regarding an attempt to collect a debt that has been paid and discharged by the United States Government.
The problem is paying on a debt that by contract law and stated in attached documentary evidence the security interest giving under this contract secures this contract. According to congress Title 15 US Code 1605 explains that the finance charge is the sum of all charges. Which makes the documentary evidence void by law being that it doesnt apply with the laws giving. The charges in the documentary evidence states APR, Amount Finance, Insurance and more all being separate charges.
In XX/XX/2015 I entered into a consumer credit transaction, ( Title 15 Chapter 41 1602l ). I presented my social security account number ( Title 15 Chapter 41 1602j open ended consumer credit plan ) that belongs to the Social Security Administration. I connected my XXXX bond ( House Joint Resolution 192 ) of discharged in the United States on the document and claim my rights under Senate document 43, 73rd congress who states all debts under United States consumers are prepaid. Only I paid statements that I was not obligated to pay and are returnable to consumer and natural person congress also states in Title 15. 15 US Code 1692h multiple debts, in dispute of debts all payments given apply to the consumers direction.
Santander Consumer USA I am submitting this complaint as a federally protected consumer. Under Title 18 US Code 8 the United States is responsible for all obligations occurred by the consumer. Under 12 US Code 1825a, d, all obligations under my bond are exempt, full faith and Credit of the United States is pledged to pay obligations. Act 1882 Bills of Exchange defines the signer being the giver of the bill.
|
| 10/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I have a letter from Santander Consumer USA, dated XX/XX/XXXX, this letter is an offer letter that gave the impression that I, the consumer, had a limited time to pay a settlement and for me to act quickly. In XXXX I was seeking a vehicle to purchase and was able to find a vehicle at XXXX XXXX, after some time of making monthly payments I fell behind and eventually the vehicle was repossessed from my location information resulting in invasion of privacy.This closed account was and is currently being reported to all credit reporting agencies. This dated letter states I have a {$24000.00} balance and for me to act quickly by paying {$7700.00} in bold faced letters, which felt like intimidation. I received this letter after my vehicle was sold.This account was sold to XXXX XXXX and is currently being reported on all credit reporting ag
encies. Pursuant to Title 15 US. Code 1692a ( 3 ) ( 4 ), I am th
e consumer and the creditor. This alleged debt from Santander Consumer USA and XXXX XXXX for an auto loan is fraudulent. I am currently verifying my credit report and in the process I have discovered that my initial communication with Santander was under misrepresentation and I was taken advantage of as a consumer. I am the creditor that offered credit pursuant to US. Code title 15 1601 but yet Santander was attempting to collect an alleged debt and is currently reporting it closed on all credit reporting agencies and XXXX XXXX is reporting it as an active debt collection account. I have suffered harassment and abuse ( 15 U.S. Code 1692d ), my car was repossessed ( 15 U.s. Code 1692f ( 6 ) ( c ), as a consumer I was furnished certain deceptive forms ( 15 U.S. Code 1692j ) which put me in an uncompromising position in commerce.
|
| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX.
I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress.
This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well.
This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month.
My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs.
This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage.
I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g.
I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company.
I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.
|
| 07/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
It has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth In Lending Act ( TILA ), I made payment towards this debt when in fact I did not owe. I am the original creditor. XXXX XXXX XXXX XXXX ( XXXX ) is not the original creditor. XXXX is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). Nor is XXXX the creditor under the FDCPA pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX received this debt as an assignment through Santander when I created the debt. See EXHBIT B p. 3. A credit sale occurred when XXXX purchased this debt from Santander. I am the creditor pursuant to 15 U.S.C. 1692a ( 4 ), any person who offers or extends credit creating a debt or to whom a debt is owed ( emphasis added ).
XXXX furnished me with a deceptive form. XXXX misrepresented the character of the consumer credit transaction as a loan and they were providing me value when in fact I signed a credit application. I did not apply for a loan. I extended my credit and the finance charge funded the consumer credit transaction which comes from my open end credit plan. My name has since changed I will attach a copy of the court order for my legal name change,
|
| 10/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My payments to XXXX XXXX have not been applied correctly. I received a letter from XXXX around XX/XX/2018 stating {$1200.00} due by XX/XX/2018. I had made a payment as of around XX/XX/2018, have been making payments on time monthly since my last complaint back in XX/XX/2018. I am totally confused as to why a {$1200.00} payment was due & now, per XXXX, I am 6 months behind on payments. I called XXXX several times before and after XX/XX/XXXX to find out what was going on. I did not make XX/XX/2018 payment due to XXXX rep, finally letting me know 'no one could talk to me until they got clearance '. A call was received from XXXX as of XX/XX/18 while I was at work, a recorded message left to call back. I called back at XXXXXXXX XXXX this same date & spoke w/ XXXX , who states the car is set for repo at this time, that I am 6 months behind as of XX/XX/2018 in payments. I asked XXXX to explain to me how this was so & I had been consistently making on time payments. XXXX states there is a repo set what would I like to do. I did not have any response as I was not willing to make any payments & XXXX keeps sending me letters that I am behind. If I were really 6 months behind then the letter received for {$1200.00} would be incorrect. My payments are {$330.00} a month x 's 6 would be {$2000.00}. So I am completely confused as to why I received this letter in XXXX & XXXX states I was 6 months behind as of XXXX. The requested amount due does not even add up. XXXX did not even offer any other options, just repo set. I do not feel this is fair due to the fact that I have been consistently making on time proper payments. XXXX stated during this phone call that he would send my payment history by email & it has still yet to be received.
|
| 12/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The vehicle was repossessed on XXXX XXXX, at that time the loan balance & repo fees was {$16000.00} ( based on my online account ) and was sold at auction on XX/XX/2020 for {$19000.00}.
The amounts on the " Explanation of Calculation of Surplus or Deficiency '' letter dated XX/XX/2020 stated the aggregate balance as {$17000.00} ( which is incorrect ). I brought this to the attention of numerous customer service representatives until I finally spoke with XXXX in the Executive office of Santander Consumer USA on XX/XX/2020 she agreed the amount was incorrect and she was requesting a check to be issued in the amount of {$350.00} the difference owed to me. I do not understand how a large company can make such accounting mistakes, unless they do it intentionally. As of today I still have not received a check. I called Monday and requested a manager in the Executive Office and was told I would get a call back. Today I received a call from one of the representatives from the Executive Office her name is XXXX stating a manager approved a refund in the amount of {$260.00}??? She said the sale amount was incorrect on the original letter it should have been {$19000.00}. I can not believe they run a company like this, they are so dishonest. I should have received a letter this was the first mention of it. So, I advised her that was not acceptable. Her response was she would speak to a manager and see if they would approve the {$350.00} but she could not guarantee anything.
I have been calling every other week requesting the initial refund check, then the Warranty refund, they do not like to give you back what is owed you, now, here we are in XXXX and I am still dealing with this situation with no resolution. They are thieves!
|
| 12/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase.
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.
|
| 11/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.
|
| 06/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}.
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
It's been 7 months and I've yet to receive resolution with Santander Consumer. After speaking to a cus. rep 7months ago regarding being incorrectly reported to the credit bureaus. Based on the recommendation the rep expressing tge amout to pay to avoid late fees and being reported to credit bureaus. My account has been reported late in a discrepancy amount of {$120.00} base on the recommendations of this rep. In speaking with two individuals from Santander Executive Escalations department NOTHING has been resolved. All Escalations has done but make promises to callback after going through the SAME..asking many questions, deflecting the fact that the original rep, mis-spoke regarding payment. However I will not be penalized for the rep 's mistake. I've asked for the call to be pulled, which happend, however more deflection comes from Executive Escalations.
This issue has caused me not to be able to refinance. Of which I was very very clear about NOT being reported to Credit Bureaus on the " initial call ''. The first Escalations Rep stated the protocol Santander would have to submit to have this late payment reversed!! .. alluding to it was to much of a hassel on their end to reverse. The second Escalations rep, stated he listed to the call, but when asked if the rep stated the payment would not be reported as late, he began to deflict and ask " which month are you speaking of ''?. ARE YOU SERIOUS THERE'S ONLY ONE!!!!! payment reported incorrectly!! I'm willing to have phone call subpoena if need be, as yhis is on-going with NO RESOLUTION ...
This is not the way to conduct business and reporting to " every '' entity to get a resolution is what my intentions would be.
Remove this item from my Credit Report.
|
| 11/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
XX/XX/XXXX obtained car loan from Santander Consumer USA for {$17000.00}. Made monthly payments of over {$440.00} a month until XX/XX/XXXX when a deer hit our van and our insurance company of XXXX totaled said van. Santander Consumer USA was notified by insurance company and THEY accepted payment of over {$9000.00} for settlement of this van. With the monthly payments and the insurance check, this van was paid in full. In XX/XX/XXXX Santander Consumer USA did sent us a bill for the remaining 3 years on note for this van. This was illegal due to their accepting the payment from our insurance company and for the van being totaled and thus no more van. Santander Consumer USA refused to accept, and we notified the Missouri Attorney General and we disputed this being owed. Santander Consumer USA has placed on our credit report that the amount of {$7600.00} was charged off. LIE. That is not true. That was the amount we paid on the loan. They failed to list the insurance payment of over {$9000.00} that was given them. Santander Consumer USA has committed fraud, they have lied to cause my husband, XXXX XXXX XXXX co-signer, and me to be denied credit, or to have credit higher than should be. WE want this immediately corrected and removed from our credit reports to ALL credit agencies. We recently got a van loan and because of Santander Consumer USA 's lies, we had to have a high interest rate of XXXX per cent. Santander Consumer USA intentionally set out to harm us and our credit. They have committed fraud by putting false information to the credit bureaus. WE WANT THIS Corrected immediately. We want a letter from the credit bureaus stating that the information provided from Santander Consumer USA was fraud, lies.
|
| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XX/XX/XXXX was the day the contract was signed, I did read over this contract and to the best of my knowledge at the time this contract seemed to be a okay. Plus, I was able to ask the finance manager a couple of questions. I have recently become aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). Since the new knowledge I have applied when reading ovr my contract i have seen some inconspicuous things. Starting with 15 USC 1605- Finance Charge. The Consumer credit contract gives a definition that didnt clearly make me aware of what the finance charge is supposed to entail. The US Code tells consumers the finance charge " shall be determined as the sum of all charges '', and further states " The finance charge does not include charges of a type payable in a comparable cash transaction ''. Santander failed to perform by making this clear and conspicuous to me, According to the " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT '' the finance charge is XXXX ; but in the Following section is the AMOUNT FINANCED is XXXX.
Also in 15 usc 1605 ( c ), Charges or premiums for insurance, against loss of or damage to property or against liability arising out of the ownership or use of property shall be included in the finance charge. Unless otherwise permitted. Santander consumer failed to make this disclosure to me as well.
another Violation i spotted was 15 usc 1662 ( 2 ) regarding the advertisement of downpayments.i was told by XXXX XXXX, santander would not accept my credit application unless i had a downpayment, which led me to use my car XXXX XXXX XXXX ( {$2300.00} ) which is an irreplaceable Graduation Gift and an excess of XXXX FRN.
|
| 06/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
CHRYSLER CAPITAL SHOULD FACE LEGAL, CLASS ACTION CONSEQUENCES FOR DAMAGING CONSUMERS DURING COVID-19 PANDEMIC. Our family makes its living from the Corporate Travel business, which was completely shut down due to the government travel bans locally, nationally, and globally ; as well as, stay at home orders due to COVID-19. At the inception of the pandemic, we immediately and proactively reached out to our creditors, citing a willingness to work together in an equitable fashion, to try to meet our obligations. We expressed how important maintaining our credit standing would be, so we could attempt to sell our home to get to equity. We also suggested an abated payment period with accrued interest and a balloon at maturity. Our multiple calls to Chrysler Capital ( which are recorded ) fell on deaf ears, and our credit report reflects delinquencies, now causing us declines for loans that would assist us in downsizing our expenses. Chrysler Capital never offered any assistance, and placed numerous, hounding collection calls. Now we are met with 30, 60, and 90 day delinquencies posted and our credit score and comments damaged. We have expressed that we are still willing to work together, and have also cited that under Texas Law, contract frustration, impracticability, impossibility, force majeure, and government intervention are all defensible, which, if we don't receive some sort of partnering effort, will be invoked to render the contract obsolete. Many of our creditors have been empathetic, and have abated in equitable fashion, and have noted our account as always current, and affected by natural disaster. Please force Chrysler Capital to work with consumers to get through this. We are all in this together!
|
| 11/04/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!
|
| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
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.
|
| 07/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
The dealership that i bought my car from was involved in fraudulent activity as well. After reading the court documents i was made aware that there are 2 unknown files that were submitted to santanders financial department and i am sure they are aware and have involvement with this matter. I am asking for the both files that was submitted to the financial department at santander and not the tampered information that was falsely given to them. If this matter is not cleared within 30 BUSINESS DAYS, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessary high levels of risk through high loan to value ratios, significant backed fees, and high payment to income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Due to the fraudulent activity involved with the dealership and Santander of mishandling and deceptive servicing practices from BOTH parties my vehicle was ultimately repossessed. I am asking Santander to please release me from all financial and legal obligation for the deceptive servicing practices and delete all information from all consumer reporting agencies and three credit bureaus that it has been illegally sold and reported to. Santander is also reporting misleading information on my credit report in regards to recent payments that have been made to them. There has not been any recent payments or communication with santander in regards to the charge off.
|
| 02/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
OnXX/XX/XXXX,Iwasinvolvedinacaraccident(atnofaultofmyown)andmyvehiclewasdeterminedtobeatotallossbytheotherparty'sinsurancecompany.Iwasinstructedbytheinsurancecompanytosurrenderthekeys,vehicle,registration,etc.Isignedlegaldocumentsthatwerenotarizedgivingtheotherparty'sinsurancecompanypowerofattorneytocompletetherestofthepaperwork.
IcontactedSantandertoinformthemoftheaccidentandtheotherparty'sinsurancecompanyalsocontactedSantandernumeroustimes.OnetimethattheycontactedSantander,Irequestedtobeonholdtoensurethatcontactwasmade.TherepresentativeverifiedthattheymadecontactwithSantander.
OnXX/XX/XXXX,IreceivedaTotalLossLetterfromtheotherparty'sinsurancecompanyshowing,infact,thatthecarwasatotallossandtheyarepayingout{$21000.00}toSantanderConsumer.
Sincethen,SantanderConsumerhasinaccuratelyreportedonmycreditreportthatIhavebeenlate,chargedoffmyaccountstating,"chargedoffasbaddebt/profitandlosswriteoff'',closedmyaccountonXX/XX/XXXXandsaysthatIhaveabalanceof{$26000.00}.SantanderevensentarepossessioncompanytomyhomeinXX/XX/XXXXataverylatehour,ringingmydoorbellanddisturbingmyfamily.Iprovidedtherepossessioncompanyacopyoftheaccidentpolicereport,totallossstatementandeventheaddresstothewreckingcompanywhotookthevehicleonthedayoftheaccidenttoprovethatthevehicleisnotinmypossessionandwastotaled.
OnXX/XX/XXXX,Santanderreceivedpaymentfromtheotherparty'sinsurancecompanyintheamountof{$21000.00}andthepaymentwasconfirmed/verifiedbytheotherparty'sinsurancecompanytohavecleared.
Theotherparty'sinsurancecompanyprovidedmewithacopyofthecheckthatwassenttoSantanderandthatcleared.
ThishascausedsuchofabigissuethatIcannotevenfilemyGAPinsurancetocovertheremainingbalanceofthetotallossbecauseoftheinaccuraciesandhasseriouslydroppedmycreditrating.
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX
|
| 02/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I bought a vehicle and financed it through Santander. The vehicle was not in good mechanical condition so I traded it in only a few months after. I signed a contract and the dealership agreed to pay it off and mailed a check. They unfortunately mailed it to the wrong company. Once found they sent out another check and canceled the first. This time Santander did n't report receiving it right away. They are reporting a XXXX90 day late to XXXX of my credit reports. I am requesting that the latest be removed. I have tried to work this out with Santander and XXXX different operators. All of which have a poor attitude. The worst was the vice president of credit disputes. XXXX XXXX XXXX. He scolded me for waiting untill now to contact him. He also at XXXX point said that he was not going to do anything for me and compared me to a XXXX. He actually said " what do you think would happen if I deleted all the late payments for the XXXX people, then all the XXXX would be calling me and XXXX about unfair treatment and expect the same '' I was and still am shocked. He did n't even get what he had done after questioning him. I explained the situation to another rep and she justified it by saying 'thats just a statement that we use in the business and if we are guilty, than everybody is guilty. '' XXXX will not call me back, another manger. XXXX yelled at me and said I would n't have had this problem if I just paid my bills on time. Knowing full well that it was an issue with the dealership and Santander. My account ( # XXXX ) is heavily noted and everyone agrees that the dealership made a mistake. I should not have my credit harmed for this situation. I paid my bill on time while the vehicle was in my possession.
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
|
| 11/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
|
| 08/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is the XXXX complaint filed against Santander Consumer USA regarding misapplying my car payments, over collection/unexplained fees and failing to roll my due date when full car payments have been made. FOR THE RECORD, I have never paid a partial car payment on my car loan .... ON XX/XX/XXXX Santander USA responded to a Consumer Financial Protection Complaint filed, by letter stating they issued a partial payment of {$140.00} ( money owed to me after they conducted an audit ) to the XX/XX/XXXX car payment. Santander reduced my car note from $ XXXX to {$340.00} according to my XX/XX/XXXX billing statement. Per my car payment history my last payment made was {$490.00} on XX/XX/XXXX ( my car loan is paid ahead ) on XX/XX/XXXX, I paid my regular car payment of {$490.00} instead of paying {$340.00}...
On XX/XX/XXXX Santander applied {$17.00} to my principal balance from my car payment of {$490.00} and the remaining of {$470.00} went to interest. I called and asked where did the {$140.00} GO, this was money owed to me. The representative stated it went towards interest. I told her this is WRONG WRONG WRONG.
Per Santander this is a daily interest simple loan and interest is based on the last date of payment to when the next payment is made. My daily interest is {$11.00}, from XX/XX/XXXX to XX/XX/XXXX is XXXX of interest. XXXX x {$11.00} daily interest = {$480.00} of interest owed. HOW AND WHY did Santander take {$610.00} in interest which was the {$470.00} of my car payment plus the {$140.00} ( money owed to me ) I am owed {$130.00} towards my principal balance not $ XXXX. THIS IS YET AGAIN ANOTHER Greedy tactic BY Santander. to XXXX the life out of consumers by gouging interest from car loans..
|
| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account.
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for.
I need help, and cant get it from them ...
|
| 01/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander Consumer USA approved a car loan for me in XXXX with a very high interest rate of 19 %. I have been struggling to pay the note sometimes but I manage to make the payments. Back in XXXX I went to work on a different job so I was making the monthly payment as well as sending an extra XXXX to XXXX a month when the months had 5 weeks. I was sending XXXX extra a week they were taking XXXX a week in interest and applying XXXX a week to the principal even though I had my monthly payments auto debited from my account each month. The extra XXXX a week I was sending was suppose to be going toward the principal. After I had sent XXXX extra dollars and couldn't get Santander consumer to put those extra payments toward my principal I stopped sending extra. I got laid off from my job in XXXX of XXXX. I started sending in XXXX a week to cover my car note as I was getting unemployment payments for XXXX a week. and XXXX a week for 4 weeks is XXXX which will cover my note of XXXX I am having problems getting them to apply those payments correctly each month. I sent XXXX for 4 weeks in XXXX which was to cover my XXXX payment but every time I call them they give me a story. Back in XXXX when I paid the extra XXXX they told me that even though I had maid the extra payments it did not guarantee me that my principal balance would go down so I asked them to refund my XXXX since it did not reduce my principal balance and they told me XXXX of the extra XXXX a week i was sending was going to interest at which the interest had been satisfied for the month because i was paying my monthly payment plus the extra each week while I was working a good job. Please help me get my money back or at least applied correctly
|
| 03/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had a vehicle loan through Santander Consumer USA, during the loan I had some problems making the payments due to my XXXX. Santander was never very good at working with me on the situation. Often times my whole payments of {$580.00} would go straight to interest, this happened months in a row. ( I found that mathematically impossible ) I really felt like Santander was ripping me off because of the situation I was in and my bad credit. On XXXX XXXX, 2015 they received a letter from me as a last resort, to work with me during this time. I requested that Santander respond via letter outlining any options they might have. I received no response from them, ( after the repossession they lied and said I did n't communicate with them ). Soon after they sent a recovery truck to repossess the vehicle at night ( I offered early on to surrender the vehicle if no agreement could be made ). They took the vehicle which had personal belongings of my wife and I in it. They also did n't inform us on how we might get them back, we never got them back. We also received no notice on when/where/or how much the vehicle was going to be sold.. They followed no WA repossession law that I can tell ... I have read that Santander has optional payment protection plans which would have helped me in this situation ... Which I was never offered in the first place ... I feel like Santander took advantage of me because I am injured and XXXX. They now claim I owe almost {$10000.00} for the balance they could n't get for the vehicle, they have assigned it to collections. I do n't believe I owe the money based on the fact that they did questionable things during my loan and ultimately broke the law in regards to the repossession.
|
| 08/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.
|
| 01/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have received vehicle financing for a XXXX XXXX XXXX back in XX/XX/XXXX, within a few weeks of driving home with the vehicle, the car has a mechanical breakdown, after about a month of checking in with the repair shop and XXXX XXXX, the repair shop stated it would be about {$800.00} to take the car home but severe engine issues needed to be repaired asap, I was given an estimate close to {$6000.00}. Due to not having enough to repair the vehicle, I told the vehicle financer that I wanted to do a self surrender, they agreed to but because I lived in WI, they have to send a notice for me to sign Andi have to mail it back to them. I was not given the notice and the financer arranged to have the car picked up, after months of trying to negotiate with the lender about the car was not legally self surrendered because of the signed notice requirement. They told me that I can have the car back just pay the back months and repossession charge it which I couldnt afford at the time, they do charged me for an additional month when the car was in their possession, not to mention by law what they did was illegal in state of Wisconsin, stated by the DMV requires the notice and anyone who is facing a repossession has to have a chance to avoid it and come up to terms.
In addition to this I constantly told this company to update the SSN on the account because it was inaccurate, they have not updated the number even when I sent documents.
I complained over and over about the service, I have been treated unfair by this company and it's representatives, they are rude and disorganized that no one is on the same page, the executive office says one thing but the repossession team does not take orders from them
|
| 05/07/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
At or around XX/XX/XXXX I was laid off from a union company and fell behind on my auto payment. I called my lender and received a XXXX month deferment. However the auto loan became 124 days delinquent XX/XX/XXXX. I did not become employed again until sometime mid XX/XX/XXXX, around this time the car was repossessed. I contacted my lender and informed them I had just begun work and was able to pay the delinquent amount. XX/XX/XXXX I paid them {$1600.00} to cover the money owed. They sent a release to the repo company and I went and picked up the vehicle. Some time had passed before I noticed that the vehicle loan had been closed on my credit report however I was still making payments to the lender, I still had access to my account on their website. I am still able to log into my auto loan online account and make payments with my account showing current. I disputed this via XXXX XXXX and XXXX recently and my lender disputed my claim that the account is still open and current. I contacted my lender Santander Consumer USA, they informed me that the day my car was repossessed they transferred the debt to their Debt collection department. I was told by them ; since they are a bank and an auto lender, they dont sell the debt to a third party. When I paid the delinquent money I was never informed of this. To my knowledge they are not reporting my monthly payments and have continued to report my account as charged off for over {$10000.00} every month. I believe this is unethical, potentially illegal and its preventing me from increasing my credit score ; which is effecting my finances. I am still in possession of the vehicle and continue to make payments that reflect negatively on my credit report.
|
| 11/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me.
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.
|
| 08/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XXXX I got a letter that my vehicle loan had been purchased by Santander and that 's when the problems started with Santander. If I was late with payments, Santander called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to Santander to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. Santander wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I had a late payment in XX/XX/2020 for the first time since being an account holder.
I have had a great payment history aside from one missed payment a couple days past the deadline in XX/XX/2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming.
It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXX after a dispute but has left it up on XX/XX/XXXX and XX/XX/XXXX. I just received another letter denying to take it down from other two credit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating.
I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter.
I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.
|
| 11/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial?
Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX.
In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial.
In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.
|
| 07/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I made a complaint on Santander Consumer USA on XXXX/XXXX/XXXX, based on the response to my complaint Santander is showing to be negligent in verifying the accuracy of my credit report as indicated in my compliant on XXXX/XXXX/XXXX which is a violation of the responsibility as ta credit reporting furnisher per the Appendix A to Furnisher Rule part XXXX and the FCRA 623. Santander has failed to investigate the complaint made and sent a response stating that they provide accurate information to the credit bureaus and denied my request for deletion based on inaccuracies. Based on my finding the violations assessed are as followed.
1. There are different dates being reported as to when this account was closed. A complaint was made XXXX/XXXX/XXXX on XXXX stating that the account is reflecting open and this was failed be fixed until XXXX/XXXX/XXXX when I submitted the last complaint and reports that the account was closed in XXXX rather than XXXX which is false reporting.
2. Derogatory information reported after settlement payment was made on account reflecting derogatory on XXXX and XXXX and settlement was received XXXX/XXXX/XXXX based on the attached settlement offer agreed upon that I will be released of any further obligation to Santander.
3.The date of first delinquency is not reporting which alters how long negative reporting will be reported on my credit report.
Based on Santanders response to my XXXX/XXXX/XXXX complaint they stated they lasted updated XXXX/XXXX/XXXX which further proves their refusal to investigate the accuracy of my credit reports and failure to comply with federal and state laws in maintaining accuracy and integrity of my reports which I also enclosed for review.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A.
2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle.
Due to the response that I have received from Santander, I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.
|
| 03/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
My Santander auto loan should be part of the class action lawsuit. We took action the summer of XXXX through XXXX XXXX courts to put a hold on all transactions and action until a hearing was taken. At that time we were unaware of the lawsuit. Covid hit and we had no hearing set, but found out about the lawsuit. I feel we were overlooked because we put the hold in the court thinking that we were doing the right thing. They say our loan should not be part, but I feel that I have proof of unfair and predatory lending and fit into the subprime practices of the company. The loan originated on XX/XX/XXXX and falls into the actions by us being taken before XX/XX/XXXX. The company violated the fair lending requirements of the ECOA ( Regulation B ). Proof of that should be the 3 copies that I have from the Automobile sales company of them restructuring this subprime auto loan. I have sent a letter to my Attorney Generals office and was directed on XX/XX/XXXX to call Santander, whom I have had no contact with due to the court advising me onto do so. Santander was harassing me with phone calls even after the court order was on file. I have All dates in my phone. It is starting again due to we tried to have a lawyer take this action and he wasnt following through. I called XXXX XXXX who also directed me to Santander. I then called Santander on XX/XX/XXXX spoke to XXXX # XXXX who said that he had nothing saying that my loan was eligible. I asked who could evaluate my loan and he only offered to settle ; even after Santander illegally took the vehicle while the petition was in court. I then called CFPB on XX/XX/XXXX to be sure I should put in this complaint. There is not a loan number on my contract.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
I have tried to resolve this problem with Santander/Chrysler Capital-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure Santander/Chrysler Capital intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account.
Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX 's address as the same as XXXX XXXX 's address when this has never been XXXX XXXX 's known address. or has never been an address they had for XXXX XXXX on file, as you can see on page XXXX, they listed XXXX XXXX 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
|
| 12/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I realized after I made my XXXX payment and it got returned that my identity has been stolen, I have a fraud alert on my credit report, so when I remade the XXXX payment on XX/XX/XXXX, I included the {$30.00} NSF fee With my payment I was remaking. I thought we were square there was no issues I was wrong.
Since having my identity stolen weve struggled with bills a little bit and Ive been making that payment later than the 10 day grace period. And when I have Ive been including The difference in payment with the car payment, Normally the car payment is {$500.00}, In XXXX I made the payment of {$530.00} They credited the entire amount to my account and still leave me hanging with that fee, None of the other lenders I have car loans with did that to me its only Santander, Same thing happened in XXXX when I made the payment later than the 10 day grace period, So when I look at my statement this month It says {$130.00} in fees and charges XX/XX/XXXX I made My payment {$530.00} XX/XX/XXXX I made my payment {$590.00} XX/XX/XXXX I made my payment {$520.00} XX/XX/XXXX I made my payment {$530.00} Which totals {$2100.00} in payments Four payments normally would be {$2000.00} Which is a difference of {$150.00} that I included for late fees and charges that they credited to the principal and interest instead of crediting to the late fees and charges And if I wouldve discovered this back in XXXX I wouldve called then but calling and talking to them was like talking to a road sign I will include all the statements to show proof that I was doing the right thing and including fees with my payment and they didnt credit that way which is XXXX all my other banks did especially in light of the situation
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My ex-husband and I bought a vehicle XXXX XXXX from XXXX. Somewhere along the way it was transferred to Santander Consumer USA. He and I got a divorce XX/XX/XXXX and he was awarded the car and the debt. The last payment he made on the vehicle was XXXX/XXXX/XXXX. Santander at that time started harassing me about the debt and even though I told them I was no longer responsible for it and even showed them proof they still would not leave me alone. They were even calling me at work and threatening me with jail and calling acting like they were process servers. They could not get ahold of him so they just kept harassing me. They finally stopped contacting me, but then they started reporting it to the credit reporting agencies that they had repossessed the vehicle. First off, neither of us had ever received a repossession notice and Santander can not produce a notice that proves they ever sent us one. The vehicle just disappeared from the house one morning. Secondly, I have tried to contact them multiple times by certified mail and e-mail to try and come to some sort of arrangement in order to settle the matter so that I can get it removed from my credit report. I have offered to even pay part of it. They do not respond back to me. Instead, they constantly change the data on my credit report so that it stays refreshed and on my credit report. I have been battling this for 5 years now and do not know what else to do. I just want this taken off of my credit report. They are shady and underhanded and I do not think it is right that they lie and threaten you and then ruin your credit for something that is not your responsibility and then refuse to respond to you when you try to get it resolved.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2020 I began shopping around for a vehicle and I visited XXXX different dealerships. I visited XXXX XXXX of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
|
| 02/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX.
The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan.
With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents.
On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company.
XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error.
I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company.
I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.
|
| 06/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX Santander offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. Santander would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. Santander needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if Santander offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.
|
| 06/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XXXX XXXX XXXX sold a used car to my son in XXXX which was very high pressured selling and fraudulent title surfing. The financial Company was Santander Financial. From the start of this transaction XXXX paid {$50.00} of his money to receive a title from someone trying to get rid of the stated used XXXX XXXX XXXX which stated another model of XXXX in the title and was only signed by one party and the MVA stated that they could not transfer. I sent a letter to the BBB wanting to reverse this sale instead XXXX paid for titling with the MVA however, never could get a title from Santander and neither could my son. Moving forward we would flood the MVA for a title which never appeared and also from the beginning of the sale, someone lied and said my son worked at XXXX XXXX so that Santander would finance the car which my son did not work as he had just graduated the summer before. Moving forward Santander sent a welcoming letter stating a XXXX XXXX. Earlier the next year, Santander Financial Services was to pay a {$550.00} million settlement to pay out cars because of fraudulent sales and lying on contracts so I wrote a letter to the Attorney General of my state ( Maryland ) to have Santander pay this car out and relieve him of the fraudulent contract. The Atty General sent my letter to the correct office which went unanswered due to the Covid shutdown. I am now requesting this complaint reinstated for removal from all of his credit reports with the credit bureaus. Santander is reporting this monthly. I do have a case no. from the Atty Generals office to the State of MD Consumer Protection Division which I will be contacting since the economy has opened a little more freely. Thank you.
|
| 01/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.
|
| 11/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
XX/XX/2017 i cosign on a car loan. which was approved but when doing the terms on the contract what they did was include the borrowers bad credit score when they made up the terms. just recently i found out that they were charging in interest fees. they new that by including borrowers bad score that it would bring interest rate sky high. had they just used my score which was in the 700 's this would not be happening. in thinking back i remember the forms i recieved but do not remember recieving the terms to the contract especially with that high interest. i would not have excepted those terms. i contacted them on the XX/XX/XXXX to ask why was the interest so high and thats when i found out that they included borrowers score as well. i ask for the contract to be sent. on the XXXX i ask again for the contract, still have not recieved it and on XX/XX/XXXX i called again. so im having problems getting the contract. in speaking to the rep at santander she inform me that they did not make up the terms of the contract that it is done by the dealership, they just do the financing, so she is blaming the dealership for this. 1/2 the payment is going to interest. i truly believe borrowers did not understand what he was doing. the financing co. is santander consumer usa in XXXX texes. but now after what i was told by the rep, i dont know who is responsible for this action. i dont believe it was the dealership but that it was santander because they are the people eho do the finanacing. the dealership is XXXX XXXX XXXX in XXXX az on XXXX. i contacted XXXX XX/XX/XXXX through email. cant get the contract so i have no other information. one thing i certain is that i did not recieved the contract.
|
| 07/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
On XX/XX/2020 I attempted to pay off my vehicle loan with Chrysler Capital Account # XXXX. I received a payoff quote on Chrysler Capital 's website, but when I tried to make a one-time payment, the website said that the daily limit was {$2900.00}. I tried various methods online, none of which allowed me to make the payment. I then called Chrysler Capital, and they told me that they would not accept a payment greater than {$2900.00} on their website. I was told my options were to 1 ) mail a paper check, 2 ) make 12 to 13 payments of {$2900.00} each, or 3 ) figure it out with my bank on how to pay CC, such as getting a cashier 's check. I am not about to go to my bank in the middle of a pandemic to figure out how to pay an auto finance company, and I don't use paper checks due to identity theft that has happened to me before by using paper checks. So I guess I'm stuck with making 13 payments over the next 13 days, all while CC continues to assess daily interest on my account. The call was escalated to a manager and then to the executive support team. No one could tell me why the {$2900.00} daily limit was in place, so I am left to assume that CC wants to make it hard for their customers to pay off their loans so they can accrue more interest. Shameful - I've had ~10 auto loans in my life and I have paid all of them off early, either by a simple phone call or online. Chrysler Capital 's policy is clearly UDAAP - by saying they have no prepayment penalty, they neglect to calculate the additional interest a consumer will incur by navigating their arcane payoff methods. Chrysler Capital could teach cable companies a thing or two about making it hard for customers to end their service.
|
| 05/10/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union.
I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments.
I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee.
I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.
|
| 05/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.
|
| 12/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have an auto loan with Santander for my 2019 XXXX. During the pandemic I called to refinance for a lower rate after making on time payments and they declined. I continued to make payments until I fell iXXXX XXXX XXXX. I had to request a few extensions. During one of the times I had a hardship, I was told that I was approved for the payments to be deffered but I never received any paperwork to sign so that resulted in a negative report on my credit and my credit score was lowered. The company refused to help even though I explained that the hardships were XXXX related. My vehicle was recently totaled in XXXX, on the date the payment was due. I called Santander to inform them and ask how I should handle paying or if I should be waiting for the insurance to pay it. I was told that my account was in the legal department and someone would call me back. I never received a call so I called back a few weeks later to see what my next steps should be and was again informed that I would have to wait for the legal department to give me a call. They never called. I called again today and was told that my payment will now be reported because it is past due and that I should have just mad a payment even though the car was totaled in XXXX. I tried explaining to the representative that I called several times because I didn't know how to handle things and that at this point I really could not afford another negative impact to my credit but she would not hear me out and insisted on transferring me to the insurance department. I really don't know what to do and another negative mark on my credit will put me in my family in a horrible bind. This company continues to ignore me and pass me around.
|
| 09/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ).
SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ).
SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements.
SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ).
SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ).
SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ).
SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish.
SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ).
False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose.
SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).
|
| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX in I believe XXXX or XXXX and financed it with Santander Consumer USA. I attempted to make arrangements with them to make payments because I was having difficulties making my payments. They weren't willing to work with me and the car was repossessed, I believe in XXXX or XXXX. I was not notified of the public auction or the whereabouts of my car and they didn't provide me with an inventory of the contents of my car. I had to make numerous phone calls to locate my car and when I went to get the contents from it, there wasn't any list and the contents were in plastic bags and had been already gone through. I didn't get any information about the repossession of my automobile until after the public sale of my car. It didn't provide the location of the public auction.
This entry was reported to the credit bureaus as being a repossession but it was successfully removed because the steps for the repossession were not followed according to CA XXXX XXXX. It is now being reported on my credit report as a XXXX and it is showing a balance owed of {$11000.00} which is incorrect. I disputed this with the credit bureaus and Santander then renewed the date on it and when I go into my account with Santander it is showing totally different information. It is also more than XXXX XXXX XXXX and should be removed from my credit report. Santander Consumer USA is a horrible company to work with and they are also have harrassed me in the past while I had the car by calling constantly ( more than 3 times per day everyday until I requested that they stop contacting me. What can be done to correct this and to get this XXXX removed from my credit reports as soon as possible?
|
| 11/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again?
Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ). Thank you
|
| 09/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer.
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time.
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer.
The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.
|
| 03/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2022 I was informed that Chrysler Capital had put a repossession order on my vehicle that has been transferred into Private Trust per security agreement to XXXX XXXX XXXX XXXX # XXXX. On XX/XX/2022 I contacted Chrysler Capital about the allegations of repo order and spoke with several employees in the platinum member services department with employee ID numbers : # XXXX, # XXXX XXXX XXXX and Executive office member # XXXX XXXX. All employees name of Chrysler Capital was using profane language and making threats of repossession of private property, and saying that I owed debt. I have attempted to send several Notices to Chrysler Capital regarding my administration forensic investigation and analysis after notice of fraud, and billing errors pursuant to ( regulation z ) and ( regulation f ). Proof of service includes five signed and completed USPS ( PS Forms 3811 ) that have been included in attachment, along with Debt Validation Letter ( 15 USC 1692 ( g ) ) that was never responded to, Affidavit of Truth that Chrysler Capital is also in Non-Response of. Chrysler Capital has Received and Signed showing proof of reception of said documents. Since Chrysler Capital is in violation, dishonor, and default to cure of using copyrighted property, and sending threats of repo order a private administrative judgment has been issued. This is to notify XXXX XXXX, XXXX, Chrysler Capital and Santander, LLC that a commercial lien of ( {>= $1,000,000}. ) has filed against them and will not be released until settlement is reached. Affidavit of Obligation has been sent registered mail ( XXXX XXXX XXXX. Declaratory Judgement. " Default '' status. Enforcement has been done non-judicially.
|
| 07/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have monitored my car loan very carefully with Santander since the loan is a daily simple interest loan. Santander charged misc fees in which they agreed to waive since they could not explain where the fees came from, the waiver took place on XX/XX/XXXX {$60.00} and XX/XX/XXXX {$86.00}. The Santander website does not disclose where the fees came from or a recurring balance of fees if they are carried on the account. The consumer has no way of knowing what the accumulative balance of fees are. The consumer is reliant on what the Santander Customer Service Rep tells them. This is misleading and a failure to properly disclose information.
The second issue is with a daily simple interest loan, I repeatedly called Santander to keep myself up to date on the status of my car loan. I started to pay my car loan in advance to get the payments applied for principal and interest.
Starting XX/XX/XXXX the following payments were made : Car loan current XX/XX/XXXX {$490.00} current car payment for XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$570.00} due date XX/XX/XXXX Car loan current paid in advance, XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance XX/XX/XXXX {$490.00} due date XX/XX/XXXX The Santander website shows my due date as XX/XX/XXXX, this is yet another mistake by Santander, this company has no problem taking interest payments but yet they fail to apply payments properly when it benefits the consumer. I am sick and tired of contacting Santander about their faulty servicing system and how it fails to apply payments appropriately. MY DUE DATE SHOULD BY XX/XX/XXXX.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 07/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been.
Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.
I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
|
| 11/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I do not have a signed contract nor any contract with SANTANDER CONSUMER USA. I have never done business with this company. I am not liable for collection from this debt from SANTANDER CONSUMER USA. I am not responsible for this debt with SANTANDER CONSUMER USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 08/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all.
Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable.
On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board.
This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I bought a car and made the first payment over the phone. I told them I wanted to set up Autopay. The autopay never came out, but I was unaware they failed to set it up and the customer service agents XXXX was so broken I couldn't understand anything they were saying.
COVID happened, my wife got sick and was paralyzed as a result. I was struggling to take care of her and the household during COVID and the company hit me with multiple late fees XX/XX/XXXX to XXXX / XX/XX/XXXX. They repossessed the car.
I called them and was surprised to hear they never set up autopay. I said I could pay a late fee and the past balance right then and there and asked them why they didn't do autopay to begin with.
They told me I needed to pay the entire car loan in full or not get the car back.
I needed the car to care for my XXXX wife and deal with finding work during COVID. My mother trusts me and she took out a loan in her name with more interest, I paid off the company and am paying my mother back.
1. I believe the CAREs Act protects consumers from having negative ratings on their credit if they are current on their bills. I paid off the car almost 5 years early.
2. Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include .... - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Congress stated that experiences between consumers and the person making the report should be excluded from the report. The company lent me money, I paid them back. Legally, according to Congress, that is all that should be reported.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I went to XXXX XXXX XXXX to purchase a truck per their advertisement of great deals. My wife and I drove from XXXX XXXX XXXX. When we got their we met with salesman XXXX. We chatted and then he showed me a vehicles ( trucks but then ultimately the XXXX XXXX ). He pulled credit and said that the only way we could trade in my Truck is to trade in my wifes XXXX XXXX as well ( now I am realizing very high sales and pressure tactics ). Well we did and walked about with XXXX XXXX XXXX XXXX. I could not get funded immediately and was given the run around for two months. All the while they are telling me that all is ok. XX/XX/XXXX is when we purchased the vehicles. I kept calling and calling weekly and daily to find out what's going on and if I am approved. It was not till about XXXX or XXXX that I get a bill from Santander Consumer USA stating that I owe them 2 months. I immediately called and spoke with Santander agents and was given the attitude of like " oh well who cares now pay your bill. The bill was XXXX a month and I could not afford that. Long story short they repossessed the vehicle in early XXXX. The whole thing from beginning was unethical and unfair leading ultimately to a repossession in which Santander knew it would happen. Now as you are aware that Santander is in a class action lawsuit in which I KNOW i am a victim of their unethical business practices. I was advised to call my local Attorney Generals office to see if I am on the " list '' of people whom the loan would be bought back if it was repossessed. I did and the Attorney General just referred me back to the multi state website and to monitor it daily. I am getting the run around as usual from Santander.
|
| 11/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2021 I, XXXX XXXX XXXX XXXX engaged in a " consumer credit transaction '' with my " credit card '' that was issued to me by the " credit card issuer '' - Social Security Administration-pursuant to ( 16 CFR 433.1 ( h ) ) with XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital in which a " Finance Charge '' was involved that is stated on the " consumer credit contract/purchase money loan '' pursuant to ( 16 CFR 433.1 ( i ) ) and ( 16 CFR 433.1 ( d ) ). During the transaction the dealership representative in the sales department was using violent sales tactics and inappropriate language by saying " I needed to register my vehicle with the state and pay the first payment on time to perfect the lien '' so the dealership would not be responsible for the payments. Also, the sales representative said if I do not do such a thing XXXX XXXX XXXX XXXX XXXX XXXX would come and repossess/steal my vehicle. Second, the sales rep said " if I did not verbally agree with him about " perfecting lien '', " he would not sell me the vehicle. '' Furthermore, after reviewing the contract I have found an abundance of fraud within the consumer credit contract/purchase money loan and lack of Material disclosures.
Pursuant to section 12 CFR 1026.15 ( a ) ( 3 ) and pursuant to the Truth in lending Act and Regulation Z ( 12 CFR 1026 ). The material disclosures that the sales manager said I do not have right to, because it's only for " mortgages '', is my " right of rescission '' disclosure pursuant to ( 15 USC 1635 ) ( 12 CFR 1026.15 ) my " right to reject the arbitration agreement '' and the fact that the transaction was on a " open-end credit plan pursuant to ( 12 CFR 1026.5 ( 1 ) ( A ) ). ''
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
+++++++++++++NOT A DUPLICATE++++++++++++++++++ Santander DBA Chrysler Capital Has violated the Fair Debt Collection Protection Act.
806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
15 USC 1692e They contracted some very intimidating repo company with " cummin for that XXXX '' T-shirts to follow me to repossess the vehicle and they lifted the vehicle while I was in it and falsely imprisoned me in the vehicle until the police officer told them this was a breach of the peace. I have video evidence of all of this.
On Saturday, XX/XX/2021 I was verbally and physically assaulted by the debt collectors when they lifted the vehicle with me in it. I closed my windows and called the police at which time the police got a witness statement and saw the video of the repo company blocking me in so a tow truck could hook on to the car and lifting me up while in the vehicle, the vehicle was damaged as a result of this aggressive unlawful debt collection attempt. I suffered injuries as a result and am seeking treatment. All of this happened at a gas station.
This Company also committed predatory lending in this loan which they must pay me a restitution amount of {$240.00}.
|
| 03/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
To my surprise I found out that I stilled owed as much as I did when i bought the car. My insurance company is paying XXXX to Santander and they say I still owe them XXXX. First of all they gave me the loan frauduently as well as reported to the credit bureau 5 late payments in a row which is not true. I called and made arrangments on onXXXX late payment and they agreed and I followed through. That inaccuracy cost me a XXXX job.
i called and explained it to them only to be told I would have to fix their mistake too all three Credit bureaus which takes atleast 30 days, I paid XXXX for for 3 years and still owe as much as when ipurchased the car, Also the co signor on my car XXXX XXXX over a year ago and i contacted them and they did nothing to remove her which causes me problems every time I get car tgs because has to be cleatanve on past due taxes and its hard for her to pay taxed when she is dead and yet they put me through it.
At the time of loan i was told that I would have gap and warranty coverage which i paid for but they said it was added.
I feel like they are getting XXXX from insurance and my 3 years of payng XXXX a month that should cover XXXX dollor loan. instead they are asking me to pat an additional XXXX after the insurance pays them. I was a candidate for the lawsuit nut i choose to pay my payments and carry on. I was lied too assaulted by false cedit information and fraud loan. I cant talk with anyone at Santander because the customer service people whom i cant understand will not give a phone number for help, Please see if there is any possible thing i can do to avoid giving them another dime.
Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.
|
| 04/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for Santander CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through Santander but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car.
I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to Santander because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX.
I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and Santander as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime!
I am desperate to get some assistance with helping me get this item removed from my XXXX credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
|
| 09/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX.
I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention.
I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Thank you very much for your consideration,
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.
|
| 09/24/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.
|
| 08/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX to my daughter. Unfortunately I experienced XXXX after the XXXX which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.
|
| 10/03/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2018, My wife & I been in XXXX XXXX XXXX test driving XXXX. First we were thinking about buying the car, and a Trade-in option came to the discussion for just five minutes, then we took it off the table when the dealer offered us a very low price for the trade-in. for the next couple of hours, we were discussing buying and leasing options and prices until we agreed on a specific lease monthly payment of $ XXXX/month for 39months ( after taxes ) with {$0.00} down.
During signing the contract, the financial manager kept repeating there's no trade-in, this will make everything faster. but when we went home we noticed that they mentioning a trade-in at the amount they offered, but they wrote N/A in the make, model, year, VINsections.
Two days later, the dealer called and asked me to go back under false pretense as he said that they found better bank approval and we will need to change the contract, but when I went there, he told me that there was a mistake in the contract and the whole calculation, and he admitted it's their mistake because they forgot to remove the trade-in from the computer when they were quoting us, and all the calculation were based on that trade-in. And now they are trying to blackmail us by threatening to take back the car if we dont agree to re-write and re-sign the contract with {$100.00} increased monthly payment.
Original sticker price : {$41000.00} They add things like interior and exterior protection for {$4000.00}, claiming that they cant remove it from the deal, but we were able to negotiated off the amount.
Final amount after negotiation was : {$39000.00} ( including {$1100.00} for the extras they force on the deal )
|
| 10/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.
|
| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization.
No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California.
XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ).
I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ).
My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ).
My wife and I returned home at XXXX XXXX ( See Exhibit E ).
My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.
|
| 11/27/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
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
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable.
Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and XXXX.
|
| 04/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
A few months ago, my daughter wrote to the Consumer Finance Protection Bureau about Santander and I wanted to put my two sense in too because Santander is an awful company. It preys on disadvantaged people.
I am on a fixed income. I no longer work because of my XXXX. However, I had a need for a car because transportation is very limited in GA. So, when I was approved for Santander I was naturally happy until I realized these past years what they have been doing to me and many others like me.
Most importantly, I am writing this email because while rifling through my paperwork I noticed that the contract I had for Santander does not match my car. I requested ( had my daughter to request ) a copy of the original contract from Santander a month ago and I have yet to receive a copy. I think they are aware of their error but continue to collect money from me for a car that is worth less. The only paperwork I have does not match the car I have. It was a while back and maybe I am mistaken but I will attach the information I have to prove this error. I have asked them to send me paperwork to verify and have been ignored until this day. I have tried to establish an online account with them to keep track of activities and payments and I have been told I need to pay the entire amount due first in order to gain access. How am I to track and verify all the fees I am being charged? So, I am writing this letter to get some kind of response and help for their deceitful ways.
I am old, tired, and XXXX. I do not wish to continue fighting with this company, they wear me out. I just need help and clarification. I am very disappointed in Santander. Please help me. Thank you.
|
| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have set up payment arrangements twice via phone. Neither time has it been corrected on my account.
XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it.
XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account.
XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}.
I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.
|
| 11/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My Vehicle was Reposed Due to my Late payments and a Botched agreement with my Finance Company Santander.
When the Vehicle was Reposed by a Contracted Truck Company that is when the Problem Occurred. I was Assaulted by the Truck Driver and Damage was Done to my Vehicle in the amount of $ XXXX {$8000.00} to the Side Passenger Side Door Panel ( Exterior ).
Which resulted in the Police being Called by Me and a Police Report Filed and Charges being Brought up on the Truck Driver. The Company ( XXXX XXXX ) of Arizona.
Police Report # XXXX From the XXXX, Arizona Police.
This Incident Resulted in me Losing My Job ; Because the Incident took Place at my Employers Parking Lot. There is a No Tow Truck Zone Filed with the State of Arizona for My Previous Employer 's Parking Lot. So, The Tow Truck was there on the Property & Premises against A Written & Filed Order.
On the 2nd Repo My vehicle was Damaged in the Interior Driver Side Arm Rest attached to the Driver Door as well as Theft of my Belongings.
List of Belong 's : 1. XXXX ( XXXX ) 2. XXXX XXXX 3. XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX 's 7. XXXX The situation with the License Plates Has caused me to be pulled over by the Police on XXXX Occasions and Ticketed on ( XXXX ) Occasion.
Causing Issues to my Life and way of Living. Stated Below Pain & Suffering * School Work not being Completed ( Due to Stolen XXXX ) * Lack of Job Search & Employment Retention ( Due to Stolen XXXX ) * XXXX ( 2 ) Piece Special Order for a XXXX I 'm apart of & Paid to be a Member of ( Loss Wages ) {$400.00} XXXX @ XXXX XXXX Missed ; Due to XXXX. {$1200.00} Loss * XXXX having to be reordered thru the state of Minnesota {$10.00}
|
| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My name is XXXX XXXX. My customer number is XXXX. I have attempted to speak to a XXXX regarding my request to reduced my payoff amount since XX/XX/2012. Each time I have called the rep that took my call has stated/offered one of the following response ....
1. " We do not reduce settlement offers '' 2. " I will transfer you ''.
3. The call is mysteriously ended.
4. Placed on hold indefinitely.
5. " We will get back to you '' I have left several messages with managers without a returned phone call. I have not yet been able to speak to an AVP. This is unacceptable treatment. They have ruined my credit. It shows a charge off and delinquent payments. I am an XXXX and this has caused me to be denied for business loans, personal loans, credit cards and mortgages. I had to get another vehicle with a high interest rate because of their actions.
During this time I was in negotiations with State Wide ( the third party insurance company ) attempting to increase the amount they have offered for my totaled vehicle.
On XX/XX/2012 I received a letter from Santander stating they have accepted an offer that is over {$4000.00} LESS then my payoff amount. I am confident I would have been able to get Statewide to increase the amount offered as they had not included over {$4000.00} in extra accessories which I have receipts for.
Now that the your total loss department has prematurely accepted and offer, all negotiations has ceased.
I am requesting that Santander close out my account in good standing with a {$0.00} balance.
I can be reached @ XXXX XXXX XXXX I am requesting a response within 24 hours or further action will be taken.
Best regards XXXX XXXX
|
| 02/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.
|
| 08/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
After a lengthy battle with Santander consumer USA. I filed several complaints with the office of the president, most recently I was working with XXXX from the office of the president. We came to a settlement agreement for the vehicle to be paid off for {$7200.00}. Well above the total that the maturity date would reflect. this vehicle was sold on XXXX/XXXX/XXXX to XXXX. Santander processed the payment on XXXX/XXXX/XXXX. After Santander received the payment and after I disputed via e-mail and speaking to XXXX directly, I continue to receive statements and when I call my account is still open, my credit report is reporting it as open, And as recently as XXXX/XXXX/XXXX I received another statement and they have increased my maturity date and charged me payments and interest ( after the account was paid and should be closed ), This is a breach of contract! I was over charged via deception ( the requested balance did not match the previous maturity date of XXXX, so they changed the maturity date to XXXX on the XXXX statement, after the car was sold. They breached our settlement agreement, reported harmful and erroneous information on my credit report, causing harm to my income/debt ratio. I reached out to XXXX on XXXX/XXXX/XXXX to correct this matter, he failed to do so, he breached our contract and the deception only increased. I now feel that the overage I paid of {$2400.00} should be returned to me. Previous balance {$360.00} X 13 months ( maturity date of XXXX ) totaling {$4700.00}. {$7200.00} ( amount paid by me ) - $ XXXX {$2400.00}. My credit report needs to be updated and I would like a correct statement sent to me as closed and paid as agreed.
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.
|
| 10/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car.
XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws.
XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened.
XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken.
XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts.
Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken.
I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.
|
| 01/14/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
My husband leased a jeep from Chrysler Capital for three years, last payment is in XXXX, 2017.In all this time our payments have been made on time. Recently, my husband past away. He was the only driver of the car. I called Chrysler, told them of my circumstances and that I wanted to pay the remainder of the lease, and hand in the car. They told me that I could pay off the lease, but I could not hand the car in without extra charges. The car is in excellent shape with XXXX miles on it. So, this did not make sense to me.
They told me to send in my husband 's death certificate and maybe they could wave the charges. Ofcourse, I never heard from them. Calling back a third time and yet again, getting a different answer, I was told that they had death certificate but were doing nothing to help me. Frankly, I was beginning to feel as if they thought I am old and stupid. But, the worst thing of all, was on Monday XXXX, 2017, at XXXX, there was a pounding on my door and the man said that he was there to repossess the jeep. The only thing he would tell me was that it was Chrysler Capital 's orders. I then saw that there was a man at my back door, and I was so frightened that I called the police. The officer told me there was a report that they were picking up the car, so I had to let them take it. I was so upset that I stayed up all night until I could call Chrysler in the morning. They made a big mistake but they would return the car, would I like to pick it up, and they were not going to charge me for the towing!!! Can you believe it????? I truly feel like they are trying to take advantage of me.
Even the dealer involved in the lease ca n't believe it.
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).
|
| 11/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Hi my name XXXX XXXX .... I have issue with a bank called XXXX they scam me right along with the car dealer ship.. XXXX.. ok I got a car. From theme and they told the XXXX come to find out that the car was XXXX I gave XXXX XXXX they told I will get my title ... I have to pay XXXX more my credit XXXX when I got my car. And they had me paying XXXX a month until they said XXXX was paid off ok I over paid. Later on the bank tell me. My pay stubs where fake the dealer ship had gave fake pay stubs I sent them my real ones and. They never respond..also I do n't have no paper work on car. Did n't sign anything they gave me one key to my car. .. ok started calling and go back forth to. The dealer ship .. and then I found they said I 'm paying a car. For 7 years this bank is scam and fraud they was working with the dealership ... the whole time they. Wanted paper work I fax and email it to theme ... they was saying oh I did n't get. For 4 days then when I said I 'm reporting this bank the next day when I called they said oh we have. When then been had it ... now they telling me we have to waiting until we get in touch with the dealing ship and all this other stuff when they know they close down and no one never pay a car for seven year. And they forge my hand writing and they let it go. They only way I seen. This because I told theme I do n't have paper work on my car or nothing ... I told theme to send me. The papers they did n't want to. So I made theme email a copy and they did n't want to. Now they have copy of my. Check and alll they still not try to. Work with me or keep make up things and not pick my calls they scam me for money and I want my title
|
| 12/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.
|
| 04/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022 certified letters were sent to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander. The letter sent was requesting proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was sent to me. We further went on to ask them to cease and desist all collection activity, including all credit reporting. Promptly request deletion of all any credit reporting to credit reporting agencies until they can provide the proof that the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law was actually sent to me. Based on the tracking Santander receive the letter XX/XX/XXXX.
Santander did not reply to my letter, so I was under the impression that Santander deleted the information off my credit report. To my surprise a couple of weeks ago I took a look at my credit report and notice Santander was still reporting incorrect derogatory information about me to the XXXX major credit reporting agencies. I wrote another set of letters to XXXX XXXX XXXX XXXX of Santander, XXXX XXXX XXXX XXXX Santander, XXXX XXXX XXXX at Santander, XXXX XXXX XXXX de XXXX XXXX at Santander, XXXX XXXX XXXX and XXXX XXXX Chief Legal XXXX at Santander on XX/XX/2022 which they received XX/XX/2022 Still no response and the negative account still remains on my credit report.
I have attached all the letters mailed, along with certified mail receipt and the proof of delivery from the post office.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.
|
| 03/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
XX/XX/XXXX I got a car loan thru XXXX Santander, keep in mind the only loan that I was easily able to get.I was new to the car buying so I had no clue about interest rates blah blah.Anyways the first year and 2nd year in XXXX I was always on time every though every other day I was harassed with phone calls from Santander to pay a payment that was already paid.I started to struggle making payments when I just started to struggle a lot paying the loan.Its like every other day I was being told I owed them and didnt know why.So that cause me to start being late sometimes months.XX/XX/XXXX I paid over {$1800.00} I didnt even have which had me go homeless for awhile I just couldnt afford it.I went into a deep XXXX and was struggling all cause of this loan I couldnt pay my other bills on time.i found out they charged off my account thru my credit report.I called them and they told me I had to pay {$2300.00} to bring it back to current and stop the rep and I did! Once again.They called literally the next day again on XX/XX/XXXX saying I owed XXXX for XXXX and XX/XX/XXXX.Its just gotten to the point where this is unfair and I had to see what is going on with this.The price I financed the car for is what I owe on my credit.Which mean all this money that I been paying for this car since XX/XX/XXXX has gone to what?? Interest alone? Im just confuse, frustrated, struggling and feel XXXX! I need help cause Im stuck dealing with this car loan its XXXX and a nightmare to go thru! They lie and manipulate me into paying then after they get my money they call the next day saying I owe again when I just payed them!!! They are XXXX! And what there doing is unfair
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation.
SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
I'm not accepting a statement of this account being verified and validated, but would need validation verification.
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
|
| 12/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Consumer USA. After making a bulk payment of {$1300.00}, I asked that the extra amount be applied to principal on the loan. On proceeding bulk payments I continued to ask that extra monies be applied to principal. On more than one payment they continued to allow their system to deprive me of eliminating all principal. I was informed that if I paid all principal on the account I could work something out on fees that I owed. I took the information as legitimate. I would have paid remaining fees and not received a thirty day late on my credit report. For the full length of my loan I received routine courtesy calls. After I made what I thought was my final principal payment, I received no further courtesy calls. I inferred that what I was told about fees not being a part of the regular payment process as being true. My complaints are that I was given false information by a Santander representative, Santander no longer gave me courtesy calls stated on my billing statement and finally, Santander failed to apply my bulk payments to principal as I requested. This poor business practice has left a drastic impact on my credit. They caused my credit score to drop 60 to 70 points across all credit bureaus. All this occurred when I was in the process of refinancing a home. I have no other late payments on my credit report. Once my credit score dropped and the late payment showed up, some creditors lowered my credit limits. Lower credit limits further impacted my credit score. Santander will not acknowledge flaws in their payment system nor will they acknowledge errors made by their employees. I humbly ask for your assistance in rectifying this situation.
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.
|
| 06/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
This settlement stems from a multistate investigation of Santanders subprime lending practices. The attorney general and other coalition members alleged that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. It alleged that Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees and high payment-to-income ratios.
The attorney general and the coalition also alleged that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses.
Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
In addition to providing relief to consumers, Santander in the future is required to factor a consumers ability to pay the loan into its underwriting considerations.
My loan was open XX/XX/XXXX my APR was 16.65. I put a down payment of {XXXX} my payments were {XXXX} a month for 72 months. I defaulted after a year of on time payments and the truck was picked up in XXXX of XXXX. Santander closed the account in XXXX of XXXX and still reported a late payment in XXXX of XXXX. And they changed the date of the last payment to XX/XX/XXXX when it was actually XX/XX/XXXX.
|
| 05/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 Santander Consumer USA debt collection agency responded to my initial complaint CFPB Case No. XXXX which references an alleged debt that I consider to be be false and inaccurate. I demand Santander Consumer USA produce the original service contract with my signature, written by my own hand. Also, as stated in USC 1605 Truth in Lending USC 1605 a ( 5 ) Finance Charge explains what is supposed to be included in the finance charge. ( 5 ) Premium, or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss.
What I deduce from this excerpt from Truth In Lending is that insurance is supposed to be included in the finance charge. Based off of my exhibit ( s ) that I have attached, I prove that insurance was not included in my finance charge which constitutes fraud, and fraud trumps any solemn contract.
I also was never offered any insurance before purchasing, or upon completing paperwork taking possession of the vehicle from XXXX XXXX instead I received an email two days later encouraging me to get insurance for my car through the XXXX XXXX. I never signed to decline coverage which I would have to be offered in the first place to do so. As shown in my exhibit the dealer created a computer generated name and birthdate where my signature would have gone.
Also I did not write D as it is written on Santander Consumers USAs copy of the original service contract which I have the original in my possession. The letter D is not written in my handwriting and is not in cursive, which is forgery and I do not appreciate this or take this lightly whatsoever this is unacceptable.
|
| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Please contact me if you have any questions.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
|
| 06/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : XXXXXXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
ACCOUNT NAME : XXXXXXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : SANTANDER CONSUMER USA, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
|
| 12/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This was my first experience of buying a new vehicle. I was contact my the dealership XXXX XXXX XXXX XXXX online that they can make my dream come true in buying a new car that as of now it became a nightmare. On XXXX my car was hint behind & just got informed it will be a total loss. The dealership never advised me about GAP insurance & I just recently found out about that insurance last Thursday when my husband bought his truck. It was a very unfair for me not to be advised in giving me that option when I was offer with an extremely high interest of 27.80 % when purchasing this vehicle. It was very unfair for the Dealership not offering this insurance to me knowing especially how high the interest is & now I have to pay a balance out of my pocket more than {$3500.00} & if I keep the car I have to pay over {$5000.00}. Today XX/XX/13 I called the financial Santander Consumer USA to see if they can give me a deal to close/payoff the account as I already have paid them over {$14000.00} & the lady who answered me said no i still have to pay the balance that is pending per the contract signed. I honestly see this unfair & am looking for help as an American consumer i feel disappointed how the dealership ripped me off as well the financial company not working with me. Now I will be left with a broken car or no car plus no money to get a new car. If someone out there can help me I will appreciate & for the consumers do not go to XXXX XXXX XXXX XXXX i don't recommend them they don't care about the consumers ONLY their sales & when buying a vehicle ask for GAP insurance that will help. I wouldn't like no one to experienced what am going through.
|
| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I obtained a loan from Santander in XX/XX/XXXX. In XXXX of XXXX I became unable to work due to Medical issues. Santander has known about this for nearly a year, and My spouse who is also on the loan is the only one currently employed ; and has been at her employer for 3 yrs. We began to struggle with our monthly payments of {$540.00} on the loan. I have contacted Santander numerous times trying to find a way to get this current and even asked about a refinance ; Santander said they do not refinance their own loans. It is destroying my credit and causing more and more fees to be added to my loan amount. I contacted Santander again on XX/XX/XXXX and asked about a deferment or any type of help to try and bring the account current. I was informed they would NOT assist in any way, and that I must bring my account current and keep it current. This loan is a predatory loan and Santander needs to stop preying on those who are less than fortunate. I explained to Santander that I am currently looking for new employment ; but regardless, there is still an employed person who is listed on the loan ; in fact, my Spouse is listed as the Primary on the loan. We are being forced to continue to go deeper and deeper in debt with this company, and they are unwilling to offer any help ; in hopes to repossess the vehicle and keep us hanging for the balance. This loan is for a XXXX XXXX XXXX XXXX. Santander even sent a letter saying to call them and they may be able to help get the account current ; However, they are only concerned about us bringing the account current by FULL PAYMENT of the past due amount, not by any assistance they are willing to offer.
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night.
I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
|
| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
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.
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Billing statement and the app used to make payments is deceptive. In addition the way they handle traffic tickets is deceptive as well. On the billing statement, the total amount due is mentioned several times as well as on the app. You click more details on the app and again it shows total amount due. On the lease statement upper right hand corner shows a list of all fees and in large letters at the bottom it say in bold letters TOTAL AMOUNT DUE. Same on the app. It is deceptive and if you pay that TOTAL AMOUNT DUE your going to be billed a late charge because above the TOTAL AMOUNT DUE in small print it show other fees. The page is set up for you to believe its the total of the amount due. Its not and if you dont pay the additional fees separately your fees will be deducted from the declared TOTAL AMOUNT DUE and you then your payment is reduced and you will incur a late fee and have now not made your payment on time. If in the process of your payment made date and payment process date you incurred a traffic fine which is billed to lease company they will deduct that amount from your TOTAL AMOUNT DUE without notifying you and again you will incur a late fee. Not only do you not ever see the ticket or know where and when you got it, you can not dispute it nor do you get a receipt showing you paid the fine. My attempt to discuss it with the company resulted in speaking on a scratchy line with someone I could hardly understand. On two separate calls. I found out from calling the billing department if you press the right sequence of numbers you will actually get the right TOTAL Amount due. Which is never declared on the app or statement.
|
| 02/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX 's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
|
| 04/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..
|
| 06/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander Consumer USA was the lender. The vehicle I had financed with them was repossessed by them sometime in the late summer of XXXX. To this day I do not know what the exact terms on the loan were. I feel like I was pressured into financing with them. They were terrible. I first became delinquent on the loan in XXXX during a time of financial hardship due to being in a small accident in the vehicle. I communicated with Santander often. I ended up loosing my home and became virtually homeless. Santander charged off my auto loan after being a month behind. The loan was showing as a charge-off/repo on my credit even before they attempted to repossess the vehicle. I had actually caught the account up and they informed me the auto loan would remain in charge-off status until the loan is paid off. This has damaged my credit report. Even after they repossessed the vehicle. They are still updating my credit report with increasing balances. They constantly report the account open and closed at different times, which causes my credit score to fluctuate significantly. While the vehicle was being looked for they threatened me to report the vehicle stolen to the police and have me arrested. Something that is illegal to do. Santander is a predatory lender and must be investigated. To me they are XXXX themselves. I really need help. I am trying to get a home. They have even forwarded this alleged debt to multiple collection agencies who did nothing but harass me and make threats and still kept this old auto loan open on my report. This has all caused me tremendous amounts of stress and anxiety and anguish.This corporation is very malicious.
|
| 05/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
On XXXX / XXXX / XXXX I purchased a XXXX XXXX XXXX from XXXX but end up getting finance thru Santander. My original loan amount was for XXXX according to my credit report. Back in XXXX Santander offered me settlement amount due to non-payments and becoming XXXX XXXX . We both agreed if I pay the amount by that specific day ( XXXX / XXXX / XXXX ), it will be a " XXXX '' balance and deleted from all XXXX credits bureaus as paid and closed due to my disable situation. I paid the settlement offer that same day on XXXX / XXXX / XXXX and they told me that they receive payment and also sent me a letter and they told me it will be closed and deleted on my credit reports within 30 days ( that never happened ). I been calling them for weeks lately and asking why is this still showing up as a charged off and not being deleted like I was PROMISED. ALL The representatives that I am speaking too, keeps transferring me to many different departments and representatives, " NOT '' solving the problem and can not answer my questions. NO ONE seems to have a answer for me, all they keep telling me I NO LONGER HAVE ACCOUNT with Santander and that my ACCOUNT IS CLOSED. So if this is the case, why wont they delete this off my credit report like they agreed to do, and everyone I am speaking too keep telling me the account is PAID AND CLOSED upon their records, but that is not what is being reported on my credit report and the FCRA states its suppose to be true and accurate information on what was agreed between the company and I. This company is very DISHONEST, RUDE and has lack of customer service skills!!!!
|
| 11/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I was at the car dealership for about six hours. I had bad credit and I was looking into buying a new car. They eventually found a lender who asked for many different documentation types than I 've ever had to provide and, after being exhausted from being thrown numbers and needing to get home to my kids, I ended up with a car that had a purchase price of {$26000.00} that I put down {$3000.00} cash AND a trade in of a car appraised at {$15000.00} and my payments ended up being {$530.00} with a XXXX XXXX interest rate. That was adjusted after the fact as well. My debt to income is highly maxed and beyond and I am now stuck in a loan in which I can not get refinanced due to the inability to keep up with the payments and their customer service being horrible. I had explained that I had medical issues and I just wanted to find out how to get caught up. That apparently was not good enough and I was told I was being too " vague '' about my situation. They had already repossessed my car and I had never received a right to cure notification. At one point, someone told me that it had been returned but another denied the statement. I feel that this company, who seems to have already settled a claim in New Jersey and another state, for this same time of practice by extending credit to those who they know are unable to make these payments combined with a highly pressured sales tactic targeted to those with bad credit looking for options. I 'm not looking at losing my car and had a decent credit score before buying this car. I want out of this loan but have no options and am now paying for the repercussions of this loan signed almost in duress.
|
| 05/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
We had a total loss on our vehicle on XX/XX/XXXX. Our insurance company sent the pay off check on XX/XX/XXXX and it was signed for at Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX @ XXXX XXXX. After numerous phone calls to Chrysler, we were told that the check can not be located and had to wait 30 days to see if they could find it. On XX/XX/XXXX we received a call from Chrysler that they can not locate the check and we needed to contact our insurance to stop payment and re-issue. That was done and the 2nd check was signed for on XX/XX/XXXX at XXXX XXXX. In the meantime, Chrysler located the first check, which had a stop payment on it, and applied it to our account. They realized their mistake and took it off of our account. Now they can not locate the 2nd pay off check. I have a difficult time, obtaining updates and explanations as to why this is happening. This is now going on 6 weeks and may have to wait another 30 days and repeat the same process. Our account is in the " Executive Office '' but is not assigned to anyone in particular. When we call, we get a new person and then told " We are very sorry but you will have to wait for us to investigate ''. This is not reflecting on our credit as late yet, but it is reflecting on our credit that we are carrying 2 large auto loans. This one and the replacement vehicle that we had to purchase. We can not get a straight answer as to why this is happening. What are the chances of 2 payoff checks getting misplaced that was signed for by 2 different people. We just feel like our hands are tied and can't do a thing about it. We will NEVER finance through Chrysler again.
|
| 01/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports.
The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.
|
| 07/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I am a consumer! I am a working consumer! My husband and I were desperate to obtain a loan for a car in XX/XX/XXXX... we really needed a car. XXXX XXXX XXXX had all the paperwork ready when we arrived at the dealership and failed to tell us that we were signing for a daily simple interest loan. Santander has picked up the loan and I 've explained to them several times that this loan is a UDAAP issue. It 's unfair, deceptive, and abusive to us. We have paid 43 payments on this loan of {$390.00}. Do n't need XXXX to figure out the total we have already paid for a XX/XX/XXXX that now has 92K miles on it. {$17000.00}!!!!!!!!!!! This is the total of the payments we have made since the beginning of the loan and when we signed the documents, we owed $ XXXX. The car was 4 years old when we purchased it! My husband hurt his XXXX and was off work for over a year and a half. I 'm a wife and mother of XXXX children ... .with REAL life issues. These people ( Santander included ) have ROBBED us. They are telling us we still owe $ XXXX on this vehicle! I 'm disgusted ... .I ca n't hardly sleep at night ... .this type of behavior ought to be OUTLAWED and FORBIDDEN! Santander has been paid over the VALUE of the car ... ... OVER the amount financed ... ..OVER-OVER-OVER!!!!! I 'm ready to take this to the media. We work hard and we are being punished for life circumstances ... .getting a little behind on payments ... .the company has taken advantage of the weaknesses of the PEOPLE!!!!!!!! PLEASE HELP!!!!!! I wo n't let this sleep ... .I will write daily ... .just like the interest they are charging me between payments ... until someone listens!!!
|
| 12/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I went to XXXX XXXXXXXX, to get a car. They told me I was approved through Santander for an auto loan. They did not ask me for proof of income. I believe the car company altered my application possibly for loan approval. I was not making more than {$900.00} or so a month and they told me they would give me a car. At the time and until recently I was not made aware Santander used an internal score. Santander never told me I actually find out a few days ago. Other institutes werent able to view my information for a car loan. I was given a loan by Santander knowing I would not be able to afford it. They knew I did not make enough to afford the payment. I have tried month after month since XX/XX/2015 to pay this car off. I called hundreds maybe thousands of times telling them I dont understand why not much of my payments go towards interest. I have paid over {$18000.00} dollars to this company on a vehicle I financed for {$14000.00}. I have been lied to so many times by Santander and threatened with repossession that this situation has caused me XXXX. I want to be treated like a human and have this loan forgiven immediately. There were times I made a payment of over {$300.00} dollars and {$20.00} dollars went to the actual vehicle. I have filed complaints and no one will help me. I have had financial issues throughout but I always make a payment and do catch up payments. Customer service tells me one thing then another then another and nothing goes together. The executive team wont let me speak to someone over the person that does speak to me. I was given an unfair loan by Santander and I would like for them to make it right.
|
| 12/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX
|
| 10/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for.
However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account.
This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy.
I can not be considered for any assistance because no one can see my account information to make a determination.
This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options.
Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.
|
| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.
|
| 03/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been talking to this company on the phone regarding late payments, I have been corresponding with them every 2 weeks. I have even asked them if it was possible to lower my monthly payments which was promised to me from the actual dealership that i could get cheaper monthly payments after paying the car for 6 months ( which was supposed be a lease ), when we returned to the dealer to refinance they checked my credit 5 times and denied the option. They have threatened to repossess my car two times, and asked for a repo fee both times in order not to repossess my car, which amounted to about {$400.00}. I called the finance company trying to work with them and even spoke to a women ( who wouldn't give me her name ) who made a payment plan with me, she told me to make a payment of {$200.00} on XX/XX/2019, then after that we agreed I would make another payment of {$180.00} on XX/XX/2019, that was to be an automatic payment but i woke up to check my email and turns out they ended up taking out {$400.00}. When i called this morning XX/XX/2019 to ask why this was done the woman that i spoke to said that there was never a payment plan in place and that the agreement we made on XX/XX/2019, was never true. We try our best to make the payments we agreed to and after we make a payment they harass us by calling and demanding more money, They promise to help if we make the next payment and when we do they said they can't help. Also, my credit is being check frequently, without my knowledge, further lowering my score. My car cost XXXX, the interest is 23 %, after 2 years of payments ( over {$9000.00} ) we still owe {$13000.00}.
|
| 07/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
In XXXX, Santander Consumer USA Inc. lost my payoff check, which per the policy of the bank I made the cashiers check from, I had to wait 90 days for the funds to be returned to my account so I could make another check. During those 90 days, I made two monthly payments to protect my credit : one payment of {$450.00} onXX/XX/2019 and another payment of {$450.00} on XX/XX/2019. During this time period, I was assured my new payoff check would be back dated and both of those payments would be returned to me, in addition to reimbursement for sending the replacement check. My new payoff check was sent on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office of Santander telling me my title has been mailed to me and overages will be sent to me on XX/XX/XXXX. I was driving during this phone call, so I was unable to verify the amount of the overages, but I told the representative that it was not correct, and was less than the amount I paid. She assured me that I would be able to call back if I had more questions. I have called their only phone number many times and the number won't let me past the bot that asks for my account number or social security number. I have entered both and it says I don't have an account with Santander. I have still not received my car title and I have not received my overages either, so there is no reason for my account to not exist. I can not talk to any representative of Santander because of this. I have two emails of Santander Executive Office employees, and I have received no reply for my request to speak to anyone at Santander regarding this problem.
|
| 04/02/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).
|
| 02/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000.
The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it.
In the 6 years I have had the car I had to skip payments maybe 4- 6 months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX who XXXX and XXXX XXXX through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year.
My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off.
They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company.
I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander.
This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.
|
| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SANTANDER continues to inaccurately report information to XXXX and XXXX. I have pointed out several inaccuracies on this account to the credit bureaus and Santander. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter Santander claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
|
| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hi, I used a COVID 19 relief program with Chrysler capital to defer my payments for a few months. While setting up this program I was told that auto payments would resume at the end of the term. This did not happen. Chrysler Capital did not contact me or send me any statements or letters after my deferral was up. I got a bill after 45 days saying I owe 2 payments XXXX $ I immediately called them and asked why my account was past due. I payed the XXXX $ immediately and set up auto payments. During this call I spoke with a supervisor who assured me this wasnt my fault and it was Chrysler capitals fault. I then noticed a week later that my credit score was affected by this mistake. I called Chrysler cap, explaining the issue and the employee assured me that they would contact the credit department and remove this from my score. Month goes by and no changes. I filed a despite with XXXX XXXX explaining that this was a mistake due to natural disaster. ( There is a note on my credit report confirming this ) transition denied my dispute. From here I called Chrysler cap. transferring from department to department till I got to the central office for disputes. I spoke the the manager here and he agreed that this situation is their fault and said he would launch an investigation. It has been months since I last spoke to him and he wont return my voicemails. I have tried everything to set this situation straight and I feel like this company is being unfair and dishonest. This has affected my credit score and Im very upset with the lack of accountability on their end. Please for the love of god help me resolve this situation.
|
| 06/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Got pre approved for a vehicle with XXXX XXXX and went to XXXX XXXX to pick up a XXXX XXXX. The initial salesman lied and told me my preapproval with XXXX is not valid and attempted to deceive me into running my credit with another bank. I objected several times after taking a test drive, telling them I only wanted to deal with XXXX XXXX for the loan. They then proceeded to falsely advertise incentives. After doing another credit check I was told I was denied, and shown a credit score and profile that was not mine of another lady named XXXX XXXX. I almost sadly walked out thinking I was denied until I noticed they gave me another customers credit report which is illegal. After telling the owner XXXX XXXX I would leave a XXXX Review ew he threatened me, saying that things would happen but he wouldnt know who did it. All this happened after they refused to give me a business credit application for my company I own a percentage of by only providing the last co-signer page of the application. They have committed dealer fraud. XXXX XXXX XXXX said he was told by the sales and finance manager I did not want to deal with XXXX XXXX and this was a lie, I told him thats the only place I would deal with. I was asked to leave after my boyfriend started recording the situation, and then cornered in the parking lot once again by the owner XXXX XXXX whom threatened us earlier ; I kept telling him needed to leave to feed my XXXX year old child. He offered to give me the XXXX XXXX for the weekend while he finished my loan and called XXXX, I objected telling him they have broken several laws and violated my rights in the process.
|
| 08/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Hello, I leased a XXXX XXXX XXXX through XXXX XXXX on XXXX XXXX, XXXX. I now have 4 payments left on the lease. The car has broken down twice, the first time on XX/XX/XXXX. The car just stops dead with a check engine light on. Both breakdowns occurred on a busy road and the car was almost hit several times. I picked up the car the first time on XXXX XXXX. The car lasted 2 days and broke down again. The car is still at the dealership 2 weeks later. They do not know what is wrong with it, nor is there any communication from the dealership with updates. I have requested that the dealer release me from the remaining lease so I can get another vehicle. I owe only 4 payments and requested waiver of the early termination fee. They will only do so if I purchase or lease another vehicle from them which I will not do because the customer service is nonexistent there. The lease holder, XXXX XXXX offered no assistance. I am expected to continue to make payments on a car that is not usable. When I requested a loaner car I was not assisted and needed to call XXXX XXXX XXXX XXXX to secure a vehicle. I have had to do this twice. I have a rental car bill of {$470.00} to pay for this first car and I am incurring another bill for the second car which is adding up every day. I have lost 2 days off from work because of this also. I need this terminated with no negative effect on my credit rating. The local dealership I used is XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX : XXXX or XXXX. The address I have for XXXX XXXX is XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX Thank you for any help you can provide.
|
| 08/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.
|
| 11/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
On XX/XX/2019 I purchased a XXXX XXXX XXXX. This purchase has proven to have lasting consequences. Auto finance companies in my case Chrysler Capital Santander set and established a whole salebuyrate for potential retail installment sale contract ( RISC ) and communicates that rate to the dealer XXXX XXXX located in XXXX XXXX. This so calledpolicy which allowed the dealers to contract with me for a higher rate ( pejoratively referred to by the CFPB as the dealer markup.
After looking through my contract I found no mention of this. And after extensive research I learned that this information is not disclosed to buyers at all. Also, If the contracted amount is higher than the wholesale buy rate, and the contract is assigned to the finance company, the dealer receives an amount referred to as a reserve ( or finance charge participation ).
DMEA. In some instances the profit is split between the dealer and the finance company. I learned shortly after XXXX XXXX XXXX financing offered me an extremely lower interest rate that the dealer did not disclose to me. It wasnt until I received correspondence from XXXX XXXX that I learned that offer was afforded to me and at that point I had already singed the bill of sale for financing at an interest rate of 22 % from Chrysler Capital. This is a common occurrence and experience for minorities and should not be permissible but be considered Predatory. Fair business practices should disclose all factors that has additional cost implications for the buyer. Perhaps if any of the points I made above were disclosed I would have decided otherwise or negotiated other terms.
|
| 08/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXX I found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got XXXX for XXXX XXXX XXXX, on my XXXX it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX
|
| 06/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX.
I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car.
I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY.
I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.
|
| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit.
I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender.
Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury!
In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.
|
| 08/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX, I took out an auto loan with Santander Consumer USA. In XXXX XXXX, I filed chapter XXXX bankruptcy. Although the car was not included, the loan was listed on my schedule of creditors and somehow an amount equal to XXXX payment, {$390.00}, was included. So the trustee sent them small payments throughout my plan. In XXXX XXXX the loan was paid off, after which time the trustee sent Santander another {$91.00}. I called Santander and they said they could not refund that to me, that the trustee had to request. I called the trustee and they said no, Santander owed me a refund. They refuse to send me that money. Since the loan was paid off, I do n't even know what loan it would 've been applied to. They also have not reported this loan to the credit bureaus. Since it was never late, it would greatly help my credit score.
I took out a new loan with XXXX in XXXX XXXX. This obviously had nothing to do with the Chapter XXXX, but a few months after taking out the loan, they flagged it as being in bankruptcy. Because of this I have no access to my account online to make payments, see the balance or even request a payoff. And again, this is not reporting to the credit bureaus. I called and they said even though the chapter XXXX was discharged in XXXX and the loan was not part of the bankruptcy, the loan would stay in bankruptcy status for the full 6 year term. I worked for XXXX 15 years ago, and putting someone into or out of bankruptcy status involved clicking a button. Santander owes me {$91.00}, they need to take my current loan out of bankruptcy status, and report both of my loans to the credit bureaus.
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XXXX/XXXX/XXXX I the consumer entered a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX and SANTANDER CONSUMER USA by extending my credit thought my credit card ending in XXXX. However after careful review of initial agreement the I realized that I was deceived as the agreement had no disclosure of the right of recession until the third business day according to chapter twelve of code federal regulations. On XX/XX/XXXX I notified SANTANDER CONSUMER USA by certified mail using the UNITED STATES POSTAL SERVICE to inform XXXX XXXX that the agreement had not mentioned a right of rescission and that I am rescinding the agreement. Between all parties involved in the agreement taking place as of XX/XX/XXXX. Since providing notices of the rescission XXXX XXXX has continued to report inaccurate and false information to XXXX, XXXX XXXX. 12 CFR subsection XXXX states that a consumer has a right to rescind if the creditor failed to disclose the right to rescind in the contract which happened and that the creditor Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX has not taken the necessary action to disclose to the credit bureaus that the obligation of the security interest has been terminated. XXXX XXXX of SANTANDER CONSUMER USA is affecting my ability to extend credit as the false and inaccurate information that is being reported has hindered my god given right a a creditor.
|
| 01/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan.
When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy.
I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received.
At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give.
Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately.
" 2022 XXXX XXXX XXXX XXXX XXXX rights reserved.
Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX.
XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX.
XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission.
All other trademarks are the property of their respective owners.
XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report.
Just sending this to CFPB as it appears to be a scam.
Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email.
Thank you.
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I have no idea how much I owe on a vehicle that I purchased in XX/XX/XXXX because Santander has never sent me what I would be exactly paying on my car with finance charges. I purchase the vehicle on XX/XX/XXXX for {$16000.00} before interest which is supposedly 16.95 % but I never signed anything to that effect. I can't get the company to send me a statement or allow me to access it online. I have requested a password to go online but site is still not accepting it. I have requested a breakdown of the balance due and was told my interest calculates daily so they have no way of giving me a statement of my balance. I have been paying Santander Consumer USA on this vehicle since XX/XX/XXXX payments of {$350.00} and yes due to medical, personal and job loss problems the payments where not made on time. When I went back to work in XX/XX/XXXX the balance was {$10000.00} and I started making large payments to date I have paid {$4800.00} but yet the payoff balance as of today XX/XX/XXXX is {$6100.00} up {$17.00} from XX/XX/XXXX when the payoff amount was {$6100.00}. I don't understand how I can possibly still owe {$6100.00} on a vehicle that I have been paying on for 6 years. I made a payment of {$950.00} on XX/XX/XXXX and the payoff amount was {$7400.00} and when I made a payment of {$600.00} on XX/XX/XXXX the payoff amount was {$7500.00} up {$120.00} in a month. At this rate I will never pay this vehicle off because my payment is not decreasing it is steady increasing day by day. I will continue to make large payments to try and have this account paid by XX/XX/XXXX, not by XX/XX/XXXX like they are saying.
|
| 08/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.
|
| 11/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks
|
| 10/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American |
|
In XX/XX/XXXX, I signed an auto loan with Santander on a XXXX XXXX through XXXX for {$19000.00}. Since that time, I was diagnosed with XXXX XXXX and we experienced Hurricane Irma so we got behind in our payments. At the suggestion of Santander, we agreed to a total of three extension agreements. We were told that the past due payments would be " added to the end of the loan ''. The result was that between XX/XX/XXXX and XX/XX/XXXX, I made payments totalling {$9300.00} and yet not one penny was credited to principal. So, as of XX/XX/XXXX since inception, I had made payments totalling {$17000.00} but my principal balance had been reduced by only {$1900.00}!! When I questioned this, I was told some double talk about " simple interest ''. CFPB sued Santander for not disclosing how principal interest would be allocated on an extension. That matter was settled but when I questioned three people at Santander including a Supervisor, they had no idea what I was talking about. I had the impression that Santander would be giving relief to customers affected.
Due to my illness I have been running three payments behind but I have made a full monthly payment every month for the past year on the date I receive my Social Security check ( 2nd Wednesday ). Yet I get 2 and sometimes 3 calls a day on my cell phone from Santander and when I ask them to stop ( many times ) I was told they can't because their computer dials my number. They leave voice mails and threaten repossession even though I pay every month and they tell me sometimes that the repo order has been sent until they cancel it, I should hide my car.
|
| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent letters to XXXX XXXX and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. XXXX XXXX is still reporting this account as open on XXXX even though this account was paid off in XXXX. Both XXXX XXXX and Santander are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account.
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ).
Neither company reported the account as disputed within the 30-day time period allowed. Santander received and signed for a certified letter on XX/XX/XXXX and XXXX XXXX sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed.
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
|
| 05/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem.
I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters.
My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX 's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC.
All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ). Please investigate. and help me get my clear title without liens on it. Thanks for your time.
Respectfully, XXXX XXXX
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have wrote you over 30 days ago via mail to send me the method verication that I owe this debt.
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have recently moved to XXXX from XXXX and was trying to get an XXXX plate for my car. The tag office in XXXX XXXX, XXXX sent a request to my finance company, Santander Consumer USA on XXXX/XXXX/XX/XX/2015 and I was issued a temporary tag. I went back when my temp tag expired and they still had not received an answer so they sent another request and I was issued another temp tag on XXXX/XXXX/XX/XX/2015 On XXXX XXXX, XX/XX/2015 I went back to the tag office and they made a call to my finance company and was told that they had received the requests, but they were sent to the wrong department so they just filed them. The local tag office was given the phone number for the correct department and they called that number and were told that they would request a copy of my etitle as soon as they received the request for it. The local office once again sent the request to the now correct department and we checked to make sure it was received. It was and we were told it takes XXXX weeks for that to arrive. XXXX at the local office spoke to XXXX in the title department of Santander Consumer at XXXX. I have since spoken to him as well to ask if there is anyway to put a rush on this as we have been trying since the XXXX part of XXXX to get it and was told no, they are sorry. I was told that the original request should have been forwarded onto them and they were very sorry it was n't. I ca n't get a XXXX temp tag and have to wait for this to come through to get my metal tag. In the meantime, my car is sitting in my driveway with no tag on it at all and I am unable to go to work, doctor, store or anywhere.
|
| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by XXXX XXXX on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; XXXX they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXX XXXXXXXX and XXXX. Based on my research, I believe only XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
|
| 12/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My name is XXXX XXXX and I current, y have a major issue with the Credit Reporting being done by Santander USA. I currently opened met loan with them in XXXX. Since then myself and my husband have only had XXXX ( XXXX ) late payment being reported as of XXXX. At that time I truly was n't 100 % sure it should have been reported because I truly paid it on the XXXX, which would be 30 days not 31 days. Now that I have disputed that late reporting, for XXXX there now stating they have found more. Since, they want the best thing for my interest the are not going to add the additional payments. My dispute I have is I call in number out days prior to making my payments, and also ask the Customer Service rep to please confirm my payment will not be late. Now there coming back with all this false data. Any other type of loan I have you can still pay on the date your payment is due prior to cut off time for the company.. Can you please tell me who I can speak to in regards to getting assistance with this matter.. I am in the process of refinancing my home and this is a major impact that they have been reporting incorrectly as well as updating the bureaus incorrectly. I have proof of that as well ... I want to know how can a creditor report you late on the XXXX day and give Customers 30 full days. They are not following the full statement from the Credit Breau ... Now they want to threat me that if I continue to question them they will add all incorrect information that had previously reported correctly ...
Can someone please call me first thing tomorrow @ XXXX this is very urgent.
Thank, XXXX XXXX
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have been a customer with Santander XXXX for about two years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting Santander know of the change and pay off. I submitted a contract to XXXX, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to Santander XXXX and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with XXXX XXXXXXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held XXXX. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with Santander XXXX has been about paying them and holding my report XXXX just so they get there money.
|
| 05/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Santander, the servicer of a car loan I cosigned with my brother, was contacted on/around XX/XX/XXXX with a request to produce the original loan agreement for the purposes of recovering payment expenses from the primary owner and operator. Was informed that I ( who was supposed to be the cosigner at the time the loan was initiated ) was listed as the primary borrower, which draws into question the validity of this loan. Agent informed me it was sent out via mail and email. I never received the Original loan agreement. I asked them 6 more times over the course of the six months to provide the document, each time being assured that it would, and that the previous mailings had gone out. Each time I confirmed my present address and email address. As of XX/XX/XXXX my matter/account was moved to the administrative offices of Consumer Finance at Santander. Management restated that all the times I had called something had been sent via email and mail ( neither of which would fail 100 % of the time ). XX/XX/XXXX I was promised a direct email with the loan attached to it from the company email and a follow up call from the person I was speaking to in the administrative office. Neither came to fruition. Their failure to provide the requested document has caused and is causing financial harm as it is inhibiting my ability to recover funds that the loan servicer demands be paid every month.
On XX/XX/XXXX I contacted them one last time and was told that they did not in fact have the loan documents and that nothing was ever sent out. This seems like a clear abuse of consumer rights and is unacceptable.
|
| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX I had to leave an unhealthy relationship where I was paying for everything and my companion was of not assistance. I co-signed for an automobile that he let get repossessed ; my small credit cards I had to established to build credit was ruined. I had to leave the relationship XXXX XXXX and the bills came with me. As of XXXX this year I managed to make settlements to : XXXXPAID XXXX XXXX-PAID XXXX XXXX XXXXPAID XXXX XXXX for Auto - Still Paying on Settlement Monthly Tax Lien XXXX - RELEASED- No Debt-Clean Hands Document I have a XXXX Debt to be Paid to an unnamed source on my credit report ... Still Looking Into that. I have been trying to find a place to rent and the most recent occurrence revealed something I had no idea was in the background. I was told by the apartment rent search company that there were judgments filed against me by XXXX XXXX XXXX each time I paid my rent late, but states they were satisfied. I have not seen that on my credit reports and I am still waiting for XXXX, XXXX of XXXX, MD to send me the copy of the consumer report they provided to the XXXX XXXX XXXX XXXX. I want everything I have paid to reflect 'Paid '' and off of my credit report as delinquent. judgment or charged-off. I work hard everyday and I am trying so very hard to rebuild my lift and establish better credit. I am a senior aged woman and I need help. It is not fair to work and get things right and the negatives just sit there. Can you please help me get these negatives removed from my credit report? Can you acquire of copy of the report from XXXX that says I have these judgments? Thank you.
|
| 09/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX, I made my final payment to Santander Consumer USA for my vehicle. In spite of bankruptcy, I paid every payment due Santander Consumer USA and they kept the title to the car. I have not been able to get the title to the car. When I called inquiring about the title, XXXX representative said my title was mailed ; however, it was mailed to the wrong address. I was offered a " lien release '' letter instead. I have had the same address from the signing of the contract in XXXX. The representative could not explain why all of a sudden they had an incorrect address.
My daughter called me and I told her what happened. She told me to call back and ask for a manager. We spoke to a second representative who initially said the car was paid off in XXXX and the title was mailed at that time. Upon insisting that the information she had was wrong, she finally said that the title was sent via XXXX. We then asked about a tracking number. She informed us that there was no tracking number. We asked for a manager. She said that she would see if XXXX was available, and if not, we could leave a message. We then asked how long would we expect to wait prior to receiving a return phone call. She said they were not legally able to make phone calls.
In conclusion, I was told that 1 ) my title was mailed to the wrong address, 2 ) the title was mailed in XXXX, 3 ) the title was sent via XXXX, but there is no tracking number. It took several tries on the phone to get to a customer service representative, then I was given conflicting information ; and most importantly, I still do n't have my title.
|
| 02/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.
|
| 11/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX.
On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated.
XXXX XXXX
|
| 05/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I attempted to purchase a vehicle from XXXX XXXX XXXX XX/XX/XXXX. I had been off work for 7 months and just received a permenent position so my payment history was not good. I was asked to have my sister co-sign for me. I initially receieved word that her credit was good and I wopuld have no problems, then the dealership came back and said they would need more money from me. They structured the loan not as having my suster as a co-signer but as the lead on the loan and me as the co-borrower, thus driving up the interest rate on the loan. They got the loan approved with Santander Bank at 19.28 % interest. There was a lot of deception on the part of the dealer, they over charged for services I did not ask for : {$1700.00} Service Contract, {$750.00} Gap Insurance, {$500.00} Random Dealer Fee and {$350.00} for a Pinstripe that was never requested and never installed. I fought for over a year to have the funds refunded and finally fgot the dealer to refund the total {$3300.00} for the over-charge. The dealer sent a check to Santander Bank on XX/XX/XXXX. The check was applied XX/XX/XXXX. I called in prior to the heck being sent and was told that I could apply part of the refund to my payments to get me caught up. I called in XX/XX/XXXX and was told although all debt goes to the principal, I can not credt anythign to my past due payments.
I was the one who fought for the refund and I should be able to use the funds to pay fopr my vehcile payments and get caught up. They are charging me late fees on top of the exhorbitant interest rate of 19.28 % and our talking about repossesing my vehicle.
|
| 03/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My current auto loan, with Chrysler Capital is not reporting my payments correctly on my credit files, affecting my FICO score. I have tried multiple times to contact their credit department and they will not return my phone calls. I also sent an email to OPPOFFICE according to their website, is the officer for finance, only to receive a return email stating to call the same number I have been calling.
On XXXX/XXXX/2015, I called Chrysler Capital Customer service customer service number, and tried to speak to a customer service representative in your credit department only to be told that I had to leave a message, which I did. I did not receive a return phone call.
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call.
On XXXX/XXXX/2015, I called Chrysler Capital Customer service, and tried to speak to a customer service representative in the credit department, only to be told that I had to leave a message, which I did. I did not receive a return phone call.
On XXXX/XXXX/2015, I called Chrysler Capital, and spoke to a representative that was NOT in the credit department, and complained to him, and asked why I was not getting a return phone call, only to be told he does not know why. I asked to speak to a manager, and was told no one was available.
I was recently turned down for a line of credit, because they state my payment history on this loan is showing like I am not paying my loan on time.
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American, Servicemember |
|
I purchased a new vehicle from XXXX XXXX in XXXX Louisiana in XX/XX/2019. I put XXXX down payment. I was so happy to get my wife a reliable vehicle that I overlooked a lot of details. I have struggled to make payments and have almost turned it back in several times. In hind sight I made bad decision. I saw an article about Santander and after reading, I got my contract from the car and was surprised to read a lot of the allegations Santander settled their complaints ... were done to me. I felt used/tricked/manipulated/stupid. Mostly not informed. I am still stunned to find I have a XXXX car payment for 5 yrs at 18 % interest. My signature is there but again uninformed and stupid. I can not ever remember filling out a credit application only that they ( the salesman ) was looking for me a finance company. I signed for roadside assistance, I already had with XXXX XXXX XXXX The total price I pay is XXXX I feel stupid and taken advantage of. I was given rebate of XXXX which is invisible with the high interest rate. I unknowingly signed for gap insurance, I got that with my car insurance. I purchased a appearance protection warranty like a fool. XXXX XXXX for etching XXXX I wouldn't knowingly buy that. Wheel/tire insurance for XXXX I would not knowingly buy that. There has to be a way to stop customers from being taken advantage of. I wrote santander a letter asking for some form of relief ... I received no response. I called the attorney general of louisiana and I submitted a complaint on their website. I also have a purchased warranty in addition to the new car warranty. XXXX dollars.
|
| 04/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX.
At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop!
At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX.
Three payments in the month of XX/XX/XXXX alone have not been reported appropriately.
Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
|
| 04/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I was advised by my attorney to make a complaint.
I am physically XXXX with a XXXX XXXX XXXX and Im bound to my XXXX. I was awarded a vehicle loan by santander consumer USA, and I chose a XXXX XXXX from XXXX in XX/XX/XXXX. The way the loan was structured I would be paying 200 % of the vehicles value and after multiple failed attempts and no help from the staff or reps at the company I was forced to file for bankruptcy in XX/XX/XXXX. I even called to see if there were any payment options due to my situation being XXXX and me not having a steady income and having medical issues, such as my XXXX breaking down or no assistance ( no nurse ) the company still refused to assist me in any way. Lastly I acquired 2 loan companies who were willing to refinance and take over the loan near a 3 % APR and Santander still refused. The companies offering the new rate were upfront with me and wondered how did I even get the loan because I had no drivers license. The gentlemen suggested I need to look into it and advised me I may have been targeted just to access may income. After great assistance from the law firm that assisted in filing my chapter XXXX bankruptcy due to Santanders ' unfair practices I am picking up the pieces of my financial ruin. Im not completely blaming them however because of their greed and very confusing XXXX financing terms I was put in a position to fold ( for lack of a better word ). The file attached is a financial payment history document I sent to my attorney after Santander reps advised they would no longer work with me and they will deal with my attorney if need be.
|
| 01/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SANTANDER CONSUMER USA IS IN VIOLATION OF XXXX XXXX XXXX XXXX XXXX XXXX. I sent SANTANDER CONSUMER USA a letter on XX/XX/2021 opting out and revoking consent from SANTANDER CONSUMER USA to disclose my nonpublic personal information which is my personal identifiable financial information to any nonaffiliated third parties. SANTANDER CONSUMER USA continues to disclose my personal identifiable financial information to nonaffiliated consumer reporting agencies. Once SANTANDER CONSUMER USA receives this complaint I expect it's officers to comply with my request. Examples of personal identifiable financial information SANTANDER CONSUMER USA can no longer disclose to any nonaffiliated third party can be found in 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report.
|
| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have an auto loan through Santander Consumer USA. I am currently financing a XXXX XXXX XXXX ( VIN : XXXX ). My account number is XXXX.
Last year, I was facing financial hardship. I called Santander in XX/XX/XXXX to inquire if I could have my car loan refinanced at a lower rate. I was told that Santander would not be able to grant this request. In XX/XX/XXXX I was three car payments behind and facing a repossession. On XX/XX/XXXX I made a payment for {$2000.00} to bring my account current. I have been making payments since XX/XX/XXXX. As of XX/XX/XXXX, Santander has my account listed as closed on my XXXX, XXXX, and XXXX credit reports. I called to request that this issue be resolved to reflect my current payments. To date, this action has not taken place. I am asking that my payments be updated from at least the last 90 days.
Since XXXX, Santander currently has a class action lawsuit due to allegations that Santander issued unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. It is my belief that I am a victim of this unfair practice. In XXXX, I was discharged from bankruptcy and totaled my previous vehicle. I was in need of reliable transportation and I accepted the loan from Santander. I am a resident of Alabama. I inquired with my state 's attorney general office and I was later informed that Alabama is not a participating state in the class action lawsuit.
I am lodging a complaint to have Santander update my payment history from at least the past 90 days.
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED.
After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Chrysler Capital financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. Chrysler Capital kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called Chrysler Capital repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that Chysler Capital did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX XXXX, XXXX the check was sent for XXXX from XXXX XXXXXXXX XXXX XXXX XXXX settle the account in full.Chrysler Capital wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being XXXX by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a dispute to XXXX via the XXXX XXXX website on XX/XX/XXXX, about missed payments on my XXXXSANTANDER account.
I phoned Santandar on XX/XX/XXXX and asked the agent could you please remove the four missed payments that occurred in XXXX. The account is now paid in full and on time in line with the financial contract ; the agent placed me on hold and reverted back after some time speaking with the accounts department and kindly said they would remove the missed payments in XXXX as the account is paid off in full. I thanked the agent for being very understanding and thanked her for her time.
I received the update from the XXXX investigation on XX/XX/XXXX, with no changes.
In XXXX I submitted a complaint for the four missed payments that were reported in error when I set up a payment arrangement due to covid, which I completed and brought the account up to date. I don't understand why they can not be fair here and remove these missed payments when I was in full communication with the agent in XXXX ; this was not my error due to lack of communication. Also, as stated in my previous complaint, the agent said she made notes and assured me everything would be fine ; hence that was not the case, as I was punished with late payments on my credit file. Recordings are made during customer calls, which is why this is not fair as they should investigate ; however, nothing has been rectified, and the truth is not being brought forward. As a customer that followed through with my words to the financial institution, they are not being fair.
It's very disappointing and discouraging.
|
| 05/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA
|
| 08/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have an auto loan with Santander USA, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan.
In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXX XXXX prior to it being 30 days late. However, Santander reported it as 30 days late to the credit agencies.
It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.
In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear.
Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
|
| 06/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I Called into Chryslers cap back in XX/XX/XXXX to get an extension on my car loan. I went through the process with the rep over the phone ending the call believing my extension was granted. A few weeks later I received a letter stating my car was going to be repossessed because I was more than 30days past due. I brought the account current and call Chryslers to see what the issue was. I was told that my extension was denied, this was news to me as I never received a letter or call stating this. XX/XX/XXXX my mom as XXXX, I need to put her in XXXX credit was pulled and Chrysler reported me 30 days past due TWICE! I called and was given incorrect information including the wrong email address on file. They claim my daughter chatted my daughter doesnt have ANYTHING to do with the car payment PERIOD! My email is XXXXXXXXXXXX and XXXXXXXXXXXX. I receive emails from Chrysler all the time how could they have a XXXX XXXX XXXX is beyond me and is their error. When I called back in XX/XX/XXXX the rep ACKNOWLEDGE that I was given the improper information for the extension. I was also told that one of my calls didnt get captured! I never received an email now I understand why. I got off the phone believing I was okay. I paid my account current soon as I realized. I just didnt think how this would hurt my credit, and now my family. Chrysler is already charging me a 24 % interest on my loan now theyre continuing to hurt me even further by not capturing the correct information when their customers call in and need help. I will pay off this loan and I will never deal with this company again.
|
| 03/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally.
Thank you for your time.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I after multiple partial payments I was contacted to submit a late payment. I called back that same day and spoke with a representative who approved my payment amount and future payment arrangement. She advised that because I was submitting payment and making arrangements there would be no negative hit to my credit. I was transferred to submit payment via phone, which I did. Two days later I notice the same balance. I submit payment again via internet. The next day I receive a call to collect more. I was advised that there were no notes in the account pertaining to any payment arrangement. I was transferred again to set up arrangements. This was completed. The next day I see that my credit reports were down 50+ points. I call back. The representative advised that there were no notes regarding the 3 previous interactions. I was transferred again to complete the payment arrangement request. The rep told me that I had done everything needed, he saw the notes and that they [ the company ] didn't do their part in emailing me the new agreement. He then drew up a company complaint and filed it for me stating that arrangementwas needed due to COVID layoff and maternity leave lack of income - same as I told every other representative I spoke with. I received the new arrangement via email and signed it while we were on the phone.
To this point, I've been denied housing due to this credit report hit that we have seen and all of this due to company negligence, as I advised the reason I needed to make sure my credit was not effected and was assured multiple times that it would not be.
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account.
Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY.
I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get.
Sincerely, XXXX XXXX
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In response to CFPB Complaint Case number XXXX, My name is XXXX XXXX , a federally protected consumer, and I am submitting this complaint against CHRYSLER CAPITAL for XXXX adverse action against me, with forethought and malice, by furnishing an inquiry on my consumer report without my lawful authority. My name is nowhere on any of these applications. The only proof I see on this document that CHRYSLER CAPITAL have provided is that adverse action has taken place. I did not initiate this inquiry, and this proves that CHRYSLER CAPITAL is committing fraud and identity theft by furnishing it pursuant to 15 USC 1681b ( c ) ( 1 ) ( a ). Unless you can provide me proof that I gave you my actual written permission to furnish this inquiry on my credit report, then this has been a fraudulently furnished inquiry reported on my credit report and needs to be blocked and removed. Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
|
| 09/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
I PURCHASED MY VEHICLE XX/XX/2019, I WENT THROUGH XXXX AND HOT WATER TRYING TO GET MY CAR. THE FINANCE MANAGER SOLD ME A 5 YEAR EXTENDED WARRANTY FOR MY CAR. XX/XX/XXXX I STARTED HAVING ISSUES WITH MY CAR AND I CONTACTED THE WARRANTY COMPANY AND I WAS TOLD THAT I ONLY HAVE A 2 YEAR WARRANTY. I PULLED OUT MY PAPERWORK TO REVIEW ALL OF MY DOCUMENTS AND I NOTICED THAT NEITHER WERE THE ORIGINAL PAPERS AND THEY ONLY GAVE ME COPIES UPON THE DELIVERY OF THE VEHICLE. I HAVE CONTACT XXXX XXXX XXXX XXXX XXXX IN REFERENCE OF THIS MATTER AND NO ONE HAS CONTACT ME BACK AS OF XX/XX/2019. I TALKED TO MRS.XXXX MY CAR SALES PERSON AND SHE SPOKE TO XXXX THE OTHER FINANCE MANAGER BECAUSE XXXX WAS OUT SICK AND THE FIRST THING THAT HE STATED OUT OF HIS MOUTH IS THAT THEY DO NOT COVER ELECTRICAL ISSUES AND NOT ONE TIME I SAID ANYTHING ABOUT AN ELECTRICAL ISSUE, AFTER THAT I HAVE BEEN AFRAID TO PARK MY CAR IN THE GARAGE BECAUSE AFTER DRIVING MY CAR THE ALARM WILL SOUND OF AND REPEAT EVERY OTHER HOUR. MY NEIGHBORS HAS FILED A COMPLAINT WITH THE HOMEOWNERS ASSOCIATION AND IT IS EMBARRASSING. I PAID XXXX FOR THE WARRANTY AND THE PAPERWORK THAT HAS MY SIGNATURE STATES EVERYTHING AND THE PAPERS THAT WAS DELIVERED TO ME DO NOT HAVE MY SIGNATURE. I HAVE ALL OF MY CONVERSATIONS RECORDED TO BACK UP EVERYTHING THAT I AM STATING AND I JUST WANT TO GET THE MATTER RESOLVED ASAP..
XXXX XXXX XXXX XXXX XXXX XXXX reviews XXXX dealer in the XXXX XXXX, Georgia Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX You visited in XX/XX/XXXXHours : Open Closes XXXX Phone : ( XXXX ) XXXX PLEASE HELP ME WITH THIS MATTER.
|
| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information.
XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX SANTANDER CONSUMER USA XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
|
| 05/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched.
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I mailed my XXXX car payment in as usual in XXXX. Per SantanderXXXX XXXX 's website they received my car payment on XXXX XXXX.
Now, as of Sunday XXXX XXXX, they do not have the payment. I called onSunday and they were closed so I called Monday and started an issueticket. First, I was told they did not have my payment. Then, they did butit was returned. Then, they said the date must have been wrong ( XXXX ). Then, they said there was a stop payment on the check. All of theseare false, which I explained to them. I would have had to put the stoppayment, which I did not. A return would have shown through myaccount. It has not and the money has been sitting there the entire time.
I called my bank to double verify this and they said nothing has evenbeen submitted for payment to them. I called Santander back and toldthem and they ca n't seem to find anything to provide to me to back uptheir claims. They are now claiming a stop payment. No one can tell mewhere my check is and now my acct is showing late and with late fees. Iwant my check found and the fees reversed. My main concern is mycredit. I do not want this reported as late when I paid it on time. I found it odd that my check had not been cashed as quickly as usual, but whenthe website showed it as received, I assumed the XXXX holiday had putthem behind and it would come through sometime soon. I just want mycheck cashed and my acct restored. Please help me as myself and myhusband have tried to work with them and they do not seem to beworking very hard to resolve this.
Thank you in advance for your help.
XXXX XXXX
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX is {$10000.00} however, for XXXX and XXXX its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?
|
| 01/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX financed through Santander Consumer USA. The amount financed was {$21000.00} with a 24.84 % APR for 72 months. As of XX/XX/XXXX I have paid {$5100.00} towards the car loan and have a balance of {$24000.00} ( my balance is {$2900.00} more than my original finance amount ). I have never missed a payment on this loan, but due to the XXXX pandemic had made arrangements with Santander to defer some of the months to the end of the loan to provide financial relief as my income and work had been impacted by the pandemic.
On XX/XX/XXXX I went to a XXXX XXXX XXXX to get information on refinancing my loan. At this time the credit union made me aware of how upside down I was on this loan. The informed me that the value of the vehicle is {$13000.00} and in order to refinance I would have to pay the difference of {$10000.00}. After doing some research I realized I had been the victim of subprime lending and that Santander had been in a lawsuit it seems they lost in XXXX about the subprime lending practices they were engaging in. Unfortunately, I was not part of this lawsuit as I just found out about it on XX/XX/XXXX. I called Santander on XX/XX/XXXX to try and renegotiate the terms of the loan as it is difficult to 1 ) pay {$570.00} per month since the pandemic and 2 ) I owe more than I borrowed even after making payments. Santander is unable to negotiate with me and at this time I am seeking some assistance as I am the victim of predatory lending in the midst of a pandemic that greatly impacted my finances.
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit.
I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.
|
| 06/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I finance a 2009 XXXX XXXX with Santander Consumer USA. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. Santander approved me for the loan I had an approval from my trustee as well. After financing the vehicle with Santander, they reported to my credit for a few months. Then I noticed they stopped reporting. I called Santander to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by Santander the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of Santander Consumer USA. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
|
| 02/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA.
The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613, 9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted.
Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due.
Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder.
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.
|
| 02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me.
Acct # XXXX
|
| 07/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. 2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! 3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help.
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments.
In XXXX, I got all caught up on my payments.
XXXX hit and COVID hit.
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX.
I paid everything up in XXXX when I got my unemployment.
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX.
I have since paid everything up and made my payments on time.
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad.
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage.
Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work.
These people are liars and ruin peoples 's lifes.
|
| 06/24/2015 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
I applied for credit through XXXX XXXX, XXXX, MI to purchase a new washer. I was denied. I paid for the washer with my XXXX XXXX. A couple of weeks later, I received XXXX letters from Santandar Consumer USA. XXXX indicated I had been refused credit, the other told me what my limit was. I never received a card or anything further until I received a statement indicating a {$49.00} balance. I called on XX/XX/2015 and spoke with XXXX and was given the run around before I was disconnected. I called back and was told by XXXX who said the {$49.00} is automatically billed for having the card ( what card? ) and I owed this since I opened the account. I explained the situation and after some stressful conversations, was told the account would be closed. The next month I received another Statement showing I owed the {$50.00}. I called again on XX/XX/2015 and spoke to XXXX who indicated that even though I was denied credit through XXXX XXXX, I stilled owed the fee because XXXX had picked up the account on their own. I only applied through XXXX XXXX! I never agreed to have the account " picked up '' by anyone. Again, after more stress and lack of understanding, she assured me the mistake would be corrected within XXXX business days. I received another statement. This time for {$51.00}. On XX/XX/2015 I called and asked for a Manager. This time I spoke to XXXX. She indicated she would " make sure it is taken care of today. '' She was going to send it to the appropriate department to get it done. Well, I have just received another Statement for the {$49.00} and interest.
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of XXXX I got an auto loan for a XXXX Chevy truck with Santander Consumer USA that included Gap Insurance for covering losses not covered by vehicles value. Not sure exact time frame, but definitely within 2yrs the truck was in an accident while parked and unoccupied. Was a total loss not at my fault, and the at fault driver had not enough insurance to cover all vehicles involved. My " Under Insured '' policy feature and whatever at fault drivers policy coverage was put in play. Some how there was still a balance Santander said was around $ XXXX left owed after the truck was taken and sold at auction. They did not apply the Gap Insurance, and then reported the loan Charge-Off/XXXX. This date and Closing of that account should've been somewhere in/around XXXX. They actually properly stopped reporting Late or No payments for many months, then suddenly started again. And then however they continued to make negative reportings on my credit for years with the $ XXXX balance even though it was " Charged Off '', and still " updated '' monthly unpaid payments even into XXXX. This affected subsequent loan rates risk factor as it seemed to be recent bad payments, when in reality should have been many years back and now should be almost Removed because of the 7yrs. But instead it looks like only a few years back and still lenders see this bad history and fault me. This kind of " updating '' to keep negatives on consumers records should be XXXX Abuse and they penalized. Why isn't it, and why isn't the Government protecting consumers from this financial XXXX
|
| 08/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Loan Co. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from XXXX dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( Santander Consumer USA Acct. # XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc.
For a company that claims I became current refuses to send XXXX, to include the others, any information on my account whatsoever. However they are only giving them information back to XXXX instead of XXXX, so that they can claim to use that year, to establish the 7yr requirement.
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by Santander. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all.
Former XXXX dispute ( with no changes afterwards ) account # 's XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly.
Thank You, XXXX XXXX XXXX
|
| 02/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX.
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making.
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off.
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}.
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????
|
| 01/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX Santander called and sent me an email offering to defer two car payments to the end of my car loan. They further advised I would be responsible for the interest due to the deferment.
XX/XX/XXXX, I confirmed with the representative there would be no additional payments taken based on the deferment agreement and that any payment pending draft was cancelled.
XX/XX/XXXX I electronically signed the deferment agreement, the deferment was for the XXXX and XX/XX/XXXX car payments. My next due date was to be XX/XX/XXXX.
On XX/XX/XXXX Santander illegally, drafted my checking account for a car payment {$490.00} This unauthorized draft compromised by bank account, because I have other bills scheduled to be paid, via my XXXX internet services. I am a remote worker from home with my daughter whom attends virtual school due to COVID19.
I can't believe Santander would do this ... This is illegal and in violation of the Fair Debt Collection Act deceptive practices.
I want this payment refunded back into my back account immediately and I want a letter of apology from Santander, I will also remove my bank account information from their website and at the time I make my car payments I will XXXX XXXX the money or money gram.
Santander is required to consider this a cease and assist from drafting my bank account going forward.
I have attached the following 1. Signed Deferment agreement showing XX/XX/XXXX and XX/XX/XXXX to be deferred with my next due date of XX/XX/XXXX 2. bank history page which shows the illegal draft {$490.00} taken on XX/XX/XXXX
|
| 06/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My car was totaled on XX/XX/XXXX I told my bank what had happened and they didnt care I had made all my payments on time until XXXX because I had wrecked my car fast forward to XX/XX/XXXX my Insurance paid them {$22000.00} but I was still waiting on the gap I sent all my information to gap back in XXXX I waited and nothing I called my bank Santander consumer USA to see what was going on they said call gap I call gap they say call the bank I get the bank and gap on a three way because gap said they didnt have information and the bank Said they didnt have information a month goes by I think everything is dealt wit come to find out the bank has not sent all the information they needed 5 months go bye back and fourth with Santander consumer USA and finally they sent what gap needed so in total {$23000.00} so now im ready to pay the account off right ... ... .nope because I get a letter saying I have {$330.00} in late fees {$740.00} in total so I call Santander consumer USA trying to get this figured out at the beginning of XXXX and I try to pay it and the machine says I owe {$1000.00} now how does it go from {$740.00} to {$1000.00} in less than a month keep in mind the buyout price for the car was {$24000.00} so in closing I believe there is just a gross misconduct of how SANTANDER CONSUMER USA has treated me as a customer and just as a human being not understanding there is a whole pandemic going on in America and not being understanding of that is just coldblooded very coldblooded please help me please and thank you XXXX XXXX XX/XX/XXXX Phone number XXXX
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account.
I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments.
As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018.
Thank you for your consideration, and I hope youll approve my request.
Best, XXXX XXXX
|
| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.
|
| 09/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.
|
| 05/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I purchased a vehicle via Santander which was stolen in XX/XX/2017 after only a few months of ownership. I contacted my auto lender and Gap immediately and now after the vehicle XXXX was paid off at {$20000.00} less the deductible of {$1000.00} and Gap paid off {$4000.00} I am shocked to see that Santander is reporting the account as being in a derogatory status and that I am owing a balance of {$4000.00} with a high balance of {$25000.00}. I have attempted to divulge from this company where the balance derives from as I am not aware that I owe a balance after the payoff. I have subsequently been advised by Santander that the balance relates to interest and fees. Santander has offered me a settlement amount of {$1800.00} to pay off this so-called debt but failed to answer how these fees have been calculated? I have not yet received a response from Santander and this inaccurate entry still reports on my credit files causing hardship and is damaging my credit. As per The Federal FCRA section 623 ( a ) ( 2 ) of the FCRA 15, U.S.C 1681et seq. : including sections 615 to 629 I demand proof pertaining to these fees and require legal evidence that the balance that is reported is owed. Please provide me with this information immediately as I am not prepared to wait any longer for you to remove this inaccurate information and be aware that I am keeping precise records of this event and that I will seek legal recourse from the courts in the form of a small court claim against your company for damages relating to ( 2 ) years of inaccurate reporting against me.
|
| 03/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Santander Consumer USA charges too much on my car loan and has never sent me a contract detailing the fees, though I have requested it several times. Last month I had a problem with my bank account and was late in paying my autoloan installment because of it. When I looked at my statement I saw that they applied most of my installment to interest. I called and they told me they applied most of the payment to interest because I paid late. Please refer to included statement of account. : Date Posted Effective Date Transaction Amount Balance Principal Interest Late Fees Misc. Fees XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$240.00} ) ( {$320.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$390.00} ) ( {$170.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$230.00} ) ( {$330.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$17000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$310.00} ) ( {$250.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$290.00} ) ( {$270.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$18000.00} ( {$180.00} ) ( {$380.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$390.00} ) ( {$160.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$300.00} ) ( {$260.00} ) -- -- XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$560.00} ) {$19000.00} ( {$130.00} ) ( {$420.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$19000.00} -- ( {$560.00} ) -- --
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I am writing to file a complaint against Chrysler Capital for wrongfully indicating a derogatory reporting on my credit score in 2019. I held a lease with chrsyler capital which was ending in XXXX of 2019. I traded the vehicle and purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX We closed the deal and I turned over my trade in on XX/XX/2019. The dealership was to pay the pay off on the lease vehicle for an amount of {$26000.00} within 10 days which they failed to do. After follow up, they issued a payment but it was an incorrect amount. Chrysler Capital would not deal with me and allow me to pay the balance in order to avoid a late payment and negative impact to my credit score. They would only accept the payment from the dealership. Again the dealership was late providing the payoff check to Chrysler Capital. After many dealings with the dealership and Chrysler Capital over a period of two months, my trade in was paid off. However Chrysler Capital indicated that I was 60 days late on my payment. I was able to have them reduce to a 30 day late, however after attempting to eliminate any derogatory indicator, they would not work with me and would only refer me to the credit bureaus. I feel this should not have been viewed as the fault of myself the consumer, and this negative report on my credit has caused me to pay higher interest rates and significantly reduced my availability to receive credit, loans, mortgage etc. I request the assistance of the CFPB to advocate for me in this matter with Chrysler Capital.
Thank you, XXXX XXXX
|
| 02/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX/XXXX/16 I traded my previous vehicle for a new vehicle. My payment date on the previous vehicle was XXXX/XXXX/16, therefore I did not make a payment. Both my previous car loan and my current car loan are through Chrysler Capital. My new loan included pay-off of my previous loan. On XXXX/XXXX/16, I received a call, from Chrysler Capital, stating my payment was 30 days late, much to my surprise. After being informed of this, I immediately called the dealership that I had purchased the new car from. They told me that a check had been mailed to Chrysler Capital, on XXXX/XXXX/2016, along with XXXX other checks. The XXXX other checks had been processed through their bank, but the check for my pay-off had not. The dealership attempted to right the wrong, as much as they could, by calling Chrysler Capital, to no avail. The dealership did stop payment on the original check and sent another check, that has now been received by Chrysler Capital. This check posted to my previous account on XXXX/XXXX/16. After more than 10 days of frustrating calls and leaving messages, the " Office of the President '' has informed me that they have no choice, but to report the late payment to the Credit Bureau. I feel that this is unnecessary and unfair. They had access to both my previous loan and my new loan to see that a pay-off was in the process. I had no reason to think that there was any problem with the pay-off of my previous vehicle. There were no phone calls, emails, or letters informing me that the payment was late, until it was going to affect my credit.
|
| 07/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I XXXX XXXX went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Chrysler Capital took cash. The finance charge is suppose to include insurance, but Chrysler Capital made me purchase insurance separately. The finance charge for this consumer credit transaction was {$7700.00} and Chrysler Capital charged {$43000.00} which is fraudulent. Chrysler Capital also didn't give me a right to rescind and under Truth in Lending thats a violation of 15 USC 1635. Chrysler Capital also sent someone to my residence to pick up the vehicle which is theft and sold it for {$19000.00} even though the finance charge was paid. Chrysler Capital took it a step further and sold my account to a 3rd party debt collector and placed negatives remarks on my consumer reports. Now I have a some debt collector who I've never done any business with is harassing me by mail and they too have placed negative remarks on my consumer report which is a violation according to the FDCPA. With the actions of Chrysler Capital it has really been a burden on me to provide for my family because I am being denied a right to credit from the negative remarks from Chrysler Capital.Chrysler Capital sold the account and continues to report it on my consumer report. I loss my business because the property Chrysler Capital took was a XXXX vehicle which ruined my income and the stability of my finances.
|
| 06/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.
|
| 12/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I attempted to payoff this loan early for the anticipated payoff amount of {$6700.00} to the company ( Santander Consumers USA ) directly. However, when I attempted to pay this amount they refused to let me pay more than {$2900.00}, per transaction. When I spoke with a representative ( XXXX ID # XXXX ) I was advised that I could not pay off the total amount owed in one transaction, per a limit. I was advised that I would have to do multiple transactions ( 3 over 2 days ) instead of all as one lump-sum. I was forwarded to a supervisor ( XXXX ID # XXXX ) who also reiterated the same. This type of hassle is shady from a consumer standpoint, as well as seems to be circumventing regulatory reporting processes for XXXX. If I was a consumer and was committing these types of transactions it would be viewed, by most semi-intelligent persons, as an attempt to commit money-laundering and trying to avoid any type of list for going over a {$3000.00} triggering amount. Being that there was no Due Diligence question of the source of funds, this tells me that Santander Consumers USA is either avoiding Federal banking regulatory procedures, or is just plain lazy. Either way, there is no reason that a consumer should be required to make multiple transactions for a payoff. This gives MY bank due cause to question my motives and put me through a battery of unnecessary scrutiny, when I am trying to complete a legitimate payoff of a liability. When interest is accrued on a daily-basis, this is costing me more money to pay in multiple transactions over multiple days.
|
| 02/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX.
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX.
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then.
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''.
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me.
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement.
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me.
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title.
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.
|
| 05/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a car loan with Santander and traded in my car for a new lease with XXXX XXXX in XXXX, XXXX My new car lease went into effect on XX/XX/2020. XXXX neglected to pay off the balance in a timely manner. For some reason they paid all but {$15.00}. I tried to call Santander to pay it myself since I couldnt get anyone from XXXX to get back to me quickly. Santander said the remainder had to paid by XXXX at this point because the account was now their responsibility. They would not take a payment of {$15.00} from me. After several attempts XXXX finally paid off the balance and the account was listed as paid in full. However Santander reported a 30 day delinquency to my credit report for a late XXXX payment. I no longer owned the car after XX/XX/XXXX. I have tried to dispute it with Santander. They just tell me to contact the credit dispute center, and the dispute center tells me to contact Santander. I cant get anyone to help me. My credit took a huge hit that was not my fault. Over {$15.00}? PLEASE help me fix this. I am trying to buy a home and this has set me back. Why would anyone intentionally go 30 days delinquent over {$15.00}? I didnt even have the car after XX/XX/XXXX. Please help or help me find someone who will. XXXX has apologized for paying it late but Santander says they can not override the credit reporting even though it is inaccurate. They refuse to let me speak to a supervisor or offer any other solution other than to contact credit dispute. Please help me figure this out. I paid every single payment on tine with this company.
|
| 11/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To whom it may concern : A letter was sent ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to Santander Consumer USA submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them.
I have not received a timely response from the company.
I sent another letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX dated XX/XX/XXXX, as proof that the company did not furnish the required disclosure.
Today 's date is XX/XX/XXXX, and I still have not received a response from the company nor the required dispute disclosure on any of my credit reports.
|
| 07/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents.
I have paid this note since XXXX but I still owe {$21000.00}.
I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off.
I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model ( XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off.
One Car dealership drew my attention to this and i need to get to the bottom of it.
The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with
|
| 05/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information.
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.
|
| 10/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Santander Consumer refuse to remove debt from my credit report ; violates 15 usc 1692 ( 1 ) ( d ) the debt is was charged off as profit/bad debt ; so in fact Santander consumer was paid for the debt ; with my social security number, tax write off, commission, and or insurance ( paid by me ; collateral/premium ) ; 15 usc 1693e positive balance The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ; violates 15 usc 1692, abusive, deceptive, unfair, invasion personal information. I wad always a on time payer until the Gap insurance SC sold me, wouldnt pay off the final balance ; of coarse its always a reason not to pay ; Santander hindered my progression with a better job, car, and home for years ; I never gave Santander permission to report to any credit reporting company, if so it was revoked ; it was 11 years ago when opened why I dont know. When I spoke with them they refused to removed it, thus I thought there was nothing I could do, until now. Santander was paid by my social, tax write off, insurance unknowingly paid by me ( premium/collateral ), and or some type of commission.
|
| 02/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2022 I mailed a cease and desist communication of an alleged debt to Santander Consumer certified mail. Santander Consumer received my cease and desist letter on XX/XX/2022. Santander consumer is still communicating this debt indirectly through the credit reporting agencies. 15 USC 1692a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Credit reporting agencies are the medium that Santander Consumer is still communicating this debt indirectly too. 15 USC 1692c ( c ) Ceasing Communication, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
I have documentary evidence from Santander Consumer willfully acknowledging receipt of my request, yet Santander Consumer is still willfully and knowingly communicating to the credit reporting agencies.
|
| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband XXXX XXXX and I, XXXX XXXX, both have auto leases with Chrsyler Capital, since we are both self employed, our businesses have both been impacted by the COVID situation since we are forced to close non essential businesses. My husband XXXX XXXX called to see what hardship options were available for his lease and was told they are providing two months deferment and he would receive an email to fill out. I called to receive the same option for my auto lease 30 minutes later and was transferred to the " assistance team ''. The agent I spoke with from the " assistance team '' had an attitude the entire time and initially offered a one month deferment, I explained to her that my husband had just called and said they were offering 2 months, she seemed very reluctant and said she would put it through and that I would receive an email in a day or two.
Neither my husband or I ever received an email and on XX/XX/XXXX they took my automatic payment out of my account that is set up with their company. It was {$390.00} that I did not have to spare. We have XXXX children, can not receive unemployment, and don't qualify for any assistance. I also messaged them on XXXX messenger with the same information and they replied asking for my information, no one has called. My husband also called Friday the XXXX and told them he hadnt received the email and they said he would receive it by XX/XX/XXXX, he still hasn't received an email.
I have included my account number ( XXXX XXXX ) in section 4 of this complaint. XXXX is XXXX XXXX account number
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges.
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!
The tradeline being reported has a derogatory rating which has caused me serious financial and XXXX XXXX. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CHRYSLER CAPITAL is furnishing.
LIST OF INACCURACIES FOUND ON XXXX XXXX XXXX CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON XXXX AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX.
TERMS- INACCURATE ... REPORTING 86 MONTHS CHRYSLER CAPITAL was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CHRYSLER CAPITAL complied with this requirement.
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
My previous Credit Score with all agencies was between XXXX and XXXX.
On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX.
I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021.
Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account.
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase.
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed.
I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX.
I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process.
Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX.
After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission.
These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
|
| 09/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan through Santander Consumer USA. My 60 month loan payment is {$590.00} per month. I opened this account in XXXX 2013 and made the first payment in XXXX 2013. With few exceptions, I always pay {$600.00} to decrease the principal quicker and get out from under this loan quicker.
XXXX ( XXXX ) payments later, I have discoverred that my principal has only decreased by {$2700.00} despite having made {$12000.00} in total payments. I have also discovered that Santander has taken my entire payment and applied only to interest on XXXX ( XXXX ) different occasions.
I have called and tried to have this problem remedied and the customer service rep told me she would have the issue resolved and to call back in ten ( 10 ) days, which I did.
Upon that call-back, I was informed that because my loan had went late XXXX times, they were taking the interest first and that the cost of the loan was just under {$13.00} per day. I told her I would have to be over 40 dyas late for that to be true and she claims that I was - just once. She explained that this was a simple interest loan and that this was how the loan was structured.
I am not wise in the ways of finance at all, but I do know that my payments have been timely for the past year and that they are exactly where they are supposed to. My loan is current and I know there is no way this loan will be paid off in the 60 months.
I am no getting any explanantion from Santander and I have spoken with local banks that deal with auto finance and they have recommended coming to you.
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was going through old magazines and found a refund letter with an attached pre paid card that expired on XX/XX/20 in the amount of {$24.00} due to over payment of an auto loan from Santander Consumer USA. I was never contacted by the loan company to inform me of this over payment or that a prepaid card would be arriving. After discovering the card today I called the number located on the card issued by XXXX XXXX to explain my situation and asked for a replacement card so I could utilize my refund. I was informed that due to them charging a XXXX XXXX monthly non use fee to a card I didnt even know I had there was no money left for another card to be reissued. I asked to speak to a supervisor and was informed that it did not matter because a supervisor would tell me the same thing. I then proceeded to call Santander to remedy the situation and was informed that while she would open an investigation there was nothing they could do as they sent the refund in a timely manner. I feel that I should be issued the refund I am owed as I was never notified this card was coming to watch for it ( despite them calling me several times a day until the insurance company paid them for the car after the accident ) and the card was never activated.if I have to activate a card prior to use then the company should only be able to charge fees to an activated card. Additionally I was not given a choice regarding this prepaid card nor informed of the non use fee prior to being issued the card which goes against the act passed for these very protections.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have an auto loan with Santander Consumer USA on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with Santander stating I would continue making my regular monthly auto payments to Santander Consumer USA. My bankruptcy case was XXXX XX/XX/XXXX.
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that Santander has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called Santander Consumer USA back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by Santander XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach Santander Consumer USA a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
|
| 04/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In late XXXX, Santander Consumer USA AutoPay correctly deducted XXXX for my auto finance monthly charge. I went into my online account to ensure the payment processed and somehow another manual payment was processed for XXXX. I noticed this on my online bank statement several days later, as it put my checking account balance in jeopardy of being in an overdraft state. I contacted Santander customer service immediately and explained the double payment situation, for which they assured me they would refund the error of the second payment to me, so as not to disrupt my AutoPay setup. I eventually received the credit.
Today, XXXX XXXX, I called customer service after receiving an automated email from their system stating there was " a problem making my XXXX payment with AutoPay '' at XXXX on XXXX XXXX. I logged into my account, received a message that AutoPay was enabled, and proceeded to my account, which showed my account now past due and only an option to pay my XXXX amount by credit card or debit card ( no checking account option ) with an associated fee. Customer service advised there was nothing they could do ; it was a " system '' issue. I asked for a supervisor, who never returned my call. The representative informed me that the refunded double payment was noted as " returned ''. Customer service rep advised their actions were in no way reckless or unethical and were in strict conformance with their documentation. When I requested said documentation, I was immediately put on hold for a supervisor, and my request was ignored.
|
| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, On XX/XX/XXXX, I was denied by a creditor for health financing. Thus, I requested a copy of my consumer report from the consumer reporting agency the creditor used -- XXXX XXXX. I received my consumer profile on XX/XX/XXXX, and noticed SEVERAL fraudulent inquiries made by : " Santander Consumer USA XXXX DBA Drive Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ''. The inquiry type states, " Credit application ''. It fraudulently states I have submitted credit applications on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These repeat inquiries, systematically fall on the XXXX day of every 3rd month. Not only are they fraudulent but seemingly willful ( given the pattern of submission ) on behalf of the company. This caused me to be declined from healthcare financing. I received a determination letter from the healthcare financer that states, " Number of inquiries was also a factor '' in my denial. Thus, I have been gravely harmed by this institutions behavior I did not, on any of those dates, submit a credit application.
When an individual fraudulently submits a credit application, especially in an ongoing fashion such as this, they are prosecuted by the FBI. Thus, this company, too, should be prosecuted. Lets start with XXXX XXXX ( the woman whose phone number is provided on my consumer report ). I tried to reach out via phone three times on XX/XX/XXXX at XXXX XXXX. There was no answer, but I left a message. I still have yet to receive a return call. I would now like a remedy.
|
| 07/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I currently have an auto loan with XXXX XXXX. I am currently 2 months behind on my payments as I have had a change in income and have been struggling. I am no longer working and have XXXX small children, also my husband is the only one working and is a XXXX veteran. I have contacted XXXX XXXX to make payment arrangements or see if there are any other options for me at this time so that I may get back on track with my loan to avoid repo of the vehicle. They have told me there is nothing that they can do for me at this time. They can make payment arrangements but the amount is still high and I am not able to pay it. I have tried a number of times to refinance the vehicle and no one will refinance due to owing more then the vehicle is worth or because the company is XXXX XXXX that the original loan is with. I am trying to work with XXXX to avoid anything further action, but they are not willing to help me out. They told me on XX/XX/2018 that I could have gotten a 6 month modification on my loan but that would have been only if I had a deferment available on the account. I was NEVER previously told this information or I would have done this for sure. They held this option from me and now I am suffering from this. I need help and I have tried to work with XXXX XXXX and they are just not willing to work with my as a customer. I will never get a loan with them again. I live every day with the fear and anxiety, stress that my vehicle that I take my kids to doctors appt and ext will be gone when I wake up and we will have no transportation.
|
| 07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached.
Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX. promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/15 I obtained a car loan from XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I obtained this car loan with my sister, XXXX XXXX, as my co-signer.
When I went in for the loan, the dealer was very pushy and spoke very quickly about what it would take and what I would be charged, and my interest rates. He said all of this very briskly and quickly began to draw up the paperwork. He stated that I only needed my sister to co-sign and that it did not matter that she was not employed. I trusted the dealer to stay true to his word.
I was rushed and pushed to sign the paperwork very quickly with my sister, and was not given time to look over the information and the percentages that we spoke about. After I left the dealership, I began to look into the paperwork.
In the paperwork, the dealer stated that my sister was working and had a job. That was completely fraudulent information. He also stated that I made more money than I actually made from my supplemental part time job. The percentage rate, 19.63 %, was not what we discussed in the office. Also, I was given fraudulent information that I could renegotiate the loan after a year to a lower rate with the same bank.
I recently learned that XXXX XXXX was shut down and that several employees and the owners were arrested under a Federal Investigation for creating and producing fraudulent loans, predatory lending practices, and supplemental information for the loans. I firmly believe that I was a victim to this and that my loan is a result of predatory practices.
|
| 07/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached. Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}
|
| 08/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XX/XX/XXXX, I purchased a vehicle from XXXX of XXXX. I agreed to pay {$390.00} per month for 72 months on a loan of {$16000.00} with an interest rate of 18 %. My car was stolen XX/XX/XXXX and I continued making payments every month. In XX/XX/XXXX, I was given a pay off amount of {$11000.00}. My insurance mailed a check to them on XX/XX/XXXX in the amount of {$12000.00}. Santander removed the payments I made to them from XX/XX/XXXX up until XX/XX/XXXX for some reason. There website showed I was behind {$1900.00} and there website was showing accrued interest. I called them on XX/XX/XXXX and they stated that I was behind over 90 days on my car, which was false. Then after I argued with the lady she apologized for being incorrect and couldn't provide me a reason as to why my payments were removed. XX/XX/XXXX I checked their website and now it showed that I had a balance of {$600.00} and there reasoning was because the funds are currently being ''reallocated '' and that I should see my account reflect the insurance payment. Which STILL makes no sense. They are showing a transaction for {$10000.00} and another one for {$1900.00} on XX/XX/XXXX which is the insurance payment. These people received my check weeks ago and did not put it in the system until I called. I also noticed that my month payments that I made for the same amount each month have different and really high interest rates. Under my transaction history on their website, the payments that I made are not matching the payments my bank ( XXXX XXXX XXXX ) is showing.
|
| 05/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report.
The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus.
RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession.
PLATES : Remain with the debtor.
The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.
|
| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
Paid off consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment.
Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.
|
| 09/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.
|
| 03/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
Purchased a new vehicle in XX/XX/XXXX and last payment scheduled for XX/XX/XXXX. Lender engaged in negative amortization and did not apply payments towards principle as required. Lender is attempting to collect or have me refinance left over negative amortized interest at end of loan maturity date. Lender is under lawsuit by Attorney Generals AA part of multi-states settlement ; required to offer waiver loan balance and release of titles to lenders. They classified lenders with some " internal code '' and loan/lending practice that result in consumers at risk if default, repossession and adverse credit ratings. Loan and lending practices result in loss and negative impact on consumer. When contacted the lender, Santander Consumer Bank, refused to explain how there can be any balance left when all payments made on vehicle ; would not explain or provide me with " internal code '' used or even explain it. Customer service would not allow me to go up chain of command to discuss problem with so called " administrators '' and just hung up on me several times or passed me around to it her reps. Company engaged willingly UN predatory practices that area illegal and unfair. Considering they are already under scrutiny by various states attorney general 's offices to provide refunds, release of titles and waivers to consumers impacted by their predatory loan and credit practices, one would think they would work hard to redress and offer relief and make amends for their illegal and unfair actions that negatively impact customers.
|
| 09/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.
|
| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After sending several disputes to XXXX XXXX and XXXX in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call XXXX XXXX XXXX to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from XXXX XXXX XXXX plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
|
| 04/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX that was financed through Santander Consumer USA , Inc for a 72 month term. My original payoff date was supposed to be XX/XX/XXXX but during the length of the loan I have had to request 3 payment extensions due to financial issues and I was told each time that I made the extension request that each extension adds 2 months to the end of my loan, which means 6 months should have been added to the end of my loan. Since my original maturity date was XX/XX/XXXX adding six months to that should have meant that my loan should have been done XX/XX/XXXX. But my complaint is about XX/XX/XXXX, on this date I requested my third extension and on the recorded phone call the representative told me that my new maturity date would be XX/XX/XXXX if I wasn't late on any payments and since XX/XX/XXXX I have not been late on a payment. However, when I made my payment in XX/XX/XXXX my maturity date has been extended to XX/XX/XXXX with a payoff amount of {$5600.00}. If I continue to make my contract payments of {$430.00} to payoff this {$5600.00} I will be paying for this car until XXXX because Santander extends the maturity date until the loan is paid which mean I'll be paying for this car 8 years and this car is not worth it. I have reached out to this company through other complaint correspondence but all I receive is a generic response about my interest rate and when I signed the contract agreement but no one is investigating the call in question and offering a solution to this dispute.
|
| 06/20/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Leased XXXX XXXX XXXX in XXXX XXXX from XXXX XXXX XXXX in XXXX, KY. Loan financed by Chrysler Capital. The motor vehicle tax ( MVT ) and registration fees were of course paid at that time - in XXXX.. In XXXX XXXX Chrysler Capital added the MVT and registration fees to our XXXX car payment. In XX/XX/XXXX we received a bill from the XXXX County clerk that the MVT & reg. fees were due - in XX/XX/XXXX. instead of XXXX. Apparently there is an entity, Santander bank, that pays these charges inXX/XX/XXXX. and then Chrysler Corp. bills us. We received this notice on XXXX XXXX and had to go to the Clerk 's office to pay these fees as Santander had not, and we faxed notice of payment to Santander on that dayXXXX. In speaking with Chrysler Capital, they told me that Santander had paid the fees after we did on XXXX/XXXX/XXXX and that before our acct. was unblemished Chrysler Capital had to receive a refund of their payment. Why they paid the fees after we had faxed them proof that they had been paid is unknown. Nevertheless, if we must continue to renew our registration in XXXX instead of XXXX we will have to pay these fees 4 times on a 3 yr. lease- XXXX XXXX - XXXX XXXX - XXXX XXXX and XXXX XXXX. The lease expires in XXXX XXXX. Two calls a week apart to Chrysler Capital yields apologies but that they are unable to resolve the situation until they receive their refund for XXXX which in my opinion is no fault of ours, as we paid the fees on time and faxed to them the proof of payment. There is no more that we could have done.
|
| 11/06/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 03/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Santander XXXX and class action settlement agreement. Haven't received any information on my individual account. They are currently tanking my credit and charging outrageous interest fees post-settlement. I'm currently being punished and retaliated against for my association in class action settlement. Santander is trying to force repossession after losing the lawsuit. My last payment of {$300.00} on a current loan solely went to interest and fees and my credit score has nose dived 50 points from XXXX, XXXX! They are trying to financially ruin me due to their unethical business practices. They reported me as paid on time in XXXX and XXXX throughout XXXX but actually my payments were missed 3 months in a row during that year. The settlement has become a punishment for me the consumer at this point because nobody will step in to look at my individual situation. Santander lost the suit and is now making it worse during a pandemic. I have made {$8000.00} in payments on an $ XXXX year loan but still showing a balance of over {$9000.00} and coming up on the last year of the loan. They also sold me a fraudulent warranty and the dealer misrepresented my income to get approval. My credit report is completely misrepresented by falsifying dates and extremely high-interest fees and penalties. My account is an exact model of the Santander class action settlement but nothing has been done. The current loan balance amount far exceeds the value of the car and is completely inaccurate to the amount paid to date on the vehicle
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
|
| 08/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2020 I was made aware of fraud and a lawsuit from Santander Consumer USA in regards to the dealership that I bought my car from. In reading the court documents I was made aware that there are 2 unknown files that was submitted to the financial department at Santander and I am sure they are aware or have some dealings with this matter. I am asking for BOTH files with only the information I submitted and NOT tampered information that was falsely given to them. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, insane interest rates, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties my vehicle will be repossessed. I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus that has been sold and illegally reported to Third Parties.
|
| 07/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with XXXX. They charged the account off in 2014 but kept collecting regular payments from me. I was never notified of the charged off status. I still have the vehicle. I am making my monthly payment on time but the day after my payment I get a call for another payment. I can not get XXXX to tell me how these payments are being applied or even if they are being applied.
When I call their office nobody can unlock my account on the system to tell me the status. I have had my agent contact them ( with a power of attorney ) and for the last two weeks they say " the account can only be opened in legal and we can not give you their extension or transfer you. We can only give them your number and have them call you back. '' They have not called me nor my agent back.
Since the account has been charged off, their system obviously took it out of the normal billing status so it does not show payments applied. I believe they are simply trying to get as many payments out of me as they can in a month 's time without advising me of their application. I have paid {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for the XX/XX/XXXX payment. {$220.00} on XX/XX/XXXX for XX/XX/XXXX and {$220.00} on XX/XX/XXXX for XX/XX/XXXX. I just mailed {$220.00} 0n XX/XX/XXXX for July.
I have attached a copy of the page on my credit report showing where they charged the balance off in 2014. I have a right to speak to someone who can give me a detailed analysis of how my payments were applied and when.
|
| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX SSN XXXX Telephone Number : XXXX XXXX I am writing to complain about the unfair fraudulent and deceptive practices of Santander Bank in all aspects Problem with paying off the loan Problem related to refinancing Unable to receive car title or other problem after the loan is paid off Problem while selling or giving title I am asking for your agency to investigate how Santander wilfully violated its consent order with you and with the multi state group of AGs in : refusing to refinance my loan at a rate lower than an usurious XXXX percent compounded and then made false consumer credit reporting that made it impossible to refinance my .loan with another lender even.though i was up to date. Then when i did they refused to give me a final pay oay off amount.
They insist on onerous excess charges which make it impossible to cure any default as a deliberate scheme to unlawfully repos the car a 2020 XXXX with a fmv of over XXXX to charge illegal and excessive fees and repo charges and they did this after sending me an email they would like to help and after i advised them that i lost my home in a fire on XXXX I want the CPFB to get Santander to waive any delinquency fees To accept the amount of {$20000.00} as full and complete payment to put the payoff amoint in wriitng unequvocally and unconditionally through XXXX to report loan paid in full and get Santander to start honoring their consent decrees rather than as a license to continue as a license to steal
|
| 07/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I financed a XXXX XXXX XXXX from Santander Auto, which I paid off on XX/XX/2019. To this day, I have yet to receive a title, lien release ... nothing! I have contacted them by phone dozens of times, for over a month and everytime, I am given the run around. The title has been lost in the mail for a month. The other alternative is for me to obtain a duplicate title at the DMV, but I need a lien release to do that. I have called Santander multiple times over the last weekm requesting that they fax a copy of the lean release to the XXXX NJ DMV, and after driving there and waiting, multiple times, they haven't received anything from Santander! After complaining, Santander told me it takes 5 days to send the fax. This is after another rep told me it takes 24 to 48 hours, and another told me it takes 2 to 3 hours. No one at Santander has the same story. I escalated this to a supervisor who told me, considering the original title was lost in the mail, it takes TWENTY days to request another, SO I waited 30+ days already, and now it will take 20 MORE! I demanded to be escalated even further to a higher up supervisor, and they hung up on me. I need to register this car in a new state as well as provide documentation to my new insurance carrier, within 30 days! I am risking issues with the aforementioned because I have no documentation to provide. Santander had no problem taking {$13000.00} for the payoff but they can't give me my documents! 30 days ago I paid it off. And they have been nothing but unhelpful since.
|
| 10/24/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
on XX/XX/XXXX I purchased a new vehicle and terminated my lease with XXXX XXXX through a dealer pay off. The pay off amount was XXXX. After a while of driving my new car i noticed that the original lease with XXXX XXXXol was still showing as active. I called them in XXXX and was told that they see how the payment was applied wrong and they would fix it. I then received a bill from them in XXXX about the lease. I call them again and they inform me that they would be able to fix it as it was just a late fee because the payment was n't applied properly and they would also fix that to close out the lease. I totally forgot about it until XX/XX/XXXX when I receive a collections call because I now owe them XXXX. I spoke to a manager at this point by the name of XXXX XXXX who told me he would contact me within 24-72 hours. I received no phone call as of XX/XX/XXXX. At this time i decide to call back and see if I can get this issue resolved. I speak with a manager who seemed to be more interested in transferring me to an escalation manager by the name of XXXX. She was absolutely no help as she did not know how to fix the issue or anything. I then get transferred to XXXX XXXX who is with the office of the chair and still no resolution to the problem. I have asked for their NMLS number and was refused it. At this point I am at a total loss of what my next course of action should be. I have now had this on my credit report for one year negatively affecting my credit and it looks like there is no resolution to be had.
|
| 02/19/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Sincerely, XXXX XXXX XXXX
|
| 02/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The loan was/is for a XXXX XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment.
Problem # 1. The last payment was not taken automatically as the first 71 payments were.
The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment.
Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate.
The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX
|
| 01/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 Ive been challenged this company.
Dear Chrysler Capital, Thank you for responding to my inquiry about a recent dispute. Although the company has failed to provide validation of a debt. It is your responsibility to tell me the name of the creditor, the amount Is owed, and that you can dispute the debt or seek verification of the debt. as I still dont know any acknowledgment of this letter you sent out to validate such false documents.
In your letter your asking me for accuracy information about this debt with I will attached in the CFPB. Under the FCRA Law you most report Real accuracy address to me. As you also failed to give validation proof to the national credit reporting agency. Why are you reporting false address if original contract is help within your reach? Why do I need to dispute the accuracy of trade line when I am by law been asking the 4 major credit bureaus to ask Validation but instead Ive been receiving fabrication from CHRYSLER CAPITAL not validating the account ending in XXXX as for the ADDRESS is inaccurate that was later forward to my door way. Please provide Validation of letter you send out there is no accuracy for what is being reported on my credit report and you know The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
|
| 07/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a 2011 XXXX XXXX for {$15000.00} on XXXX.The Finance company is XXXX XXXX XXXX XXXX After looking at my account on today, XX/XX/XXXX, my statement for the payoff balance is {$14000.00}, with ALL full payments going towards the interest at 100 %. I have attached my transaction history. There has only been {$400.00} applied towards the principle of the car starting in XXXX of XXXX. I have been making payments of {$420.00} for the past 4.5 years and none of those payments have been applied to the principle. Which means that I have been paying only the interest on a XXXX vehicle for 4.5 years. After speaking with the representative at XXXX today, she informed me that the amount still owed on the car is due to 6 extensions that I have been granted over the life of the loan. 6 extensions over a 4.5 year period is far from unreasonable. Especially, when the extensions were due to over 10 recalls most not covered by the manufacturer, that I paid out of pocket for and mechanical issues with the car. I was also told that once I pay the last {$64.00} of the interest from the extensions most of my future payments would then go towards the principle of the car in which I will be paying another {$14000.00} in additional payments to pay the car off. As of today I have paid over {$20000.00} and I still owe {$14000.00} for a car purchased for {$15000.00} in XXXX.This company is practicing predatory lending by implementing negative amortization within there loan contracts which is deceptive to the consumer.
|
| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
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.
|
| 10/01/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.
|
| 04/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had pushed a loan payment back to the end of the loan at the end of 2019. My XX/XX/2019 statement reflected the pushed back payment as well as the change in due date. I had moved the due date back 11 days from the XXXX of the month to the XXXX. The amount due stated on the bill I received on my XX/XX/XXXX statement reflected that one payment was due. I pay the payment in XXXX before the next due date. For some reason it showed that another payment had been placed on my account in XXXX. During several attempts to have the issue resolved by Santander I was told that the deferred payment was mistakenly placed in XXXX instead of the back of the loan. I was told on several occasions that the issue would be fixed. I have disputed the inaccuracy twice through my credit reporting agency and both times it has not been corrected. The late payment on my credit report caused my credit score to drop multiple points. I am in the process of trying to buy a home and it has greatly impacted that. My account has yet to be corrected and my credit report still reflects a 30 day late payment for the month of XXXX. Each time I reach out to them I am told my complaint is being sent to a different department for review and that I should call back in a few days to check to see if the issue has been resolved. Each time I call back the issue has not been resolved and I am told the same thing and to call back and check on the status in a few days. I have never been given any resolve on the issue and nothing has been corrected.
|
| 07/29/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!
|
| 03/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
My car was illegally repossessed by Santander. They requested that I send {$1000.00} to stop repossession. I sent the money they requested the same day. Approximately 2 weeks later during the late morning hours, they destroyed private property in repoing my car. Left visable tire marks that caused XXXX miles of black tire marks on the road way too. I made contact using my phone and there was a block. I tried several times to log in to my account and was blocked as well. I used my husbands phone and was able to get through to a man named " XXXX ''. He came up with a quote of {$2700.00} that had to be paid before they would return the car. XXXX XXXX would not tell me who repoed the car and that I would also have to pay {$150.00} storage fee. I advised him that I did not owe them any money and that I needed to get my personal property from inside and in the State of Georgia the vehicle tag belongs to me not the car. He would not advise me on how I could get my personal effects from the car and under Georgia XXXX they have to notify me. As of today I have n't heard back from Santander to retrieve my personal property that has to deal with my child 's school, my work and my husband and I 's marriage belonging from state government.
Please help me in making sure my personal belongings can be returned to me. The Tag is a government issued tag that is very sinceitive in nature. That you for your time and help.
Also my husband is a XXXX XXXX XXXX XXXX that was injured by a roadside XXXX in XXXX. Respectfully
|
| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American, Servicemember |
|
Re : Santander Consumer Finance Since purchasing a XXXX GMC Envoy from Santander Consumer Finance 's Road Loans in XXXX XXXX, Santander 's records document 33 payments received on the account totaling {$9600.00}, and only {$1300.00}, or four partial payment amounts, were applied to the principal. I did not understand or believe it is legal to offer interest only loans. This loan forces me into a perpetual cycle of debt that I can not afford to continue. I am XXXX years old and no longer able to drive the vehicle or pay it off. The vehicle can not be sold because the current value is approximately {$2500.00} and the balance is over {$12000.00}. The original purchase price was {$12000.00} with an interest rate of 26.29 %. I notified Santander in writing on XXXX/XXXX/XXXX of my wishes to voluntarily surrender the vehicle, provided an address for them to have the car picked up, and gave them contact information for my daughter so they can retrieve it. Santander has not contacted my daughter to pick up the vehicle per my request. My daughter also contacted Santander on my behalf to ask that they pick up the car and she provided the address as well. I also informed Santander to stop all communication with me and with my address about this debt.
I would like the CFPB to : 1. Assist my daughter with surrendering the car to Santander.
2. Investigate my complaint and notify me to confirm that interest only loans are legal.
3. Provide me with my options to dispute Santander 's practice in my case.
Thank you.
|
| 06/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA a s a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 F DIC, that it has been in defaul t for 180-days or more . This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA i s maintaining a charge off even though the 180-day la te timeline was never reached, and Santander Consumer USA ne ver filed a default on record with any XXXX filing with the Securities & Exchange Commission . I am a member of th e XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!! I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!! SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!! I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!! THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
|
| 12/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
|
| 03/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My muturity was fulfilled as of XXXX XXXX, at this time i assumed my obligation had been fulfilled and would be due my title. I called in to discuss my title and at that time the representative stated i only owed $ XXXX++ in fees in which she also put in a request to have {$150.00} of that removed. I assumed this would be the amount to receive my title. Upon calling Santander about a statement i received after i had reached the muturity date stating that I owed an additional $ XXXX+ in order to receive my title, i was told it was interest and fees from deferred payments. This is absurd due to the fact the additional months of deferred payments had already been added and paid. The representative continues to try to explain their procedures of adding on these astronomical amounts for deferment even if you have paid for the deferments which only charges $ XXXX+ or less for the deferment. I have been paying on my car since XX/XX/XXXX at the amount of {$500.00} per month with an absurd interest rate. Even though I have had medical issues during this time i struggled to make payments and was excited to finish but to no avail. Santander has clearly misrepresented their intentions and consumer is not given a clear explanation of risks of deferments. They have ruinef credit after struggling so long to bring my score up as they are reporting delinquent and late because I do n't owe this amount. If a consumers statement says a certain maturity date they should adhere. This is unethical practices, please help.
|
| 06/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I havent received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
As of last year I saw on my credit report that it was sold to XXXX XXXX in which I have not received any documentation from either. I have disputed this account with the credit bureaus due to no Written Documentation from Santander or XXXX regarding this debt but it seems to have been reported on my credit report. Santander is in Breach of contract and once a company charges off an account and sends it to an collection agency they are in breach of their own contract by violating the Abritration Clause.
|
| 02/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I am filing this complaint for myself, a consumer & natural person without any help of a third party. This complaint is about Santander Consumer USA, the bank that provided my loan for a used XXXX XXXX XXXX vehicle that I purchased from XXXX on XX/XX/XXXX. This loan which was for the total of {$29000.00} ( finance charge ), {$31000.00} ( amount financed ), {$61000.00} ( total of payments ) & finally {$62000.00} ( total sale price : total cost of my purchase on credit plus my {$900.00} cash down payment ) for 72 months, per my original contract, in which I traded in a vehicle ( given {$5000.00} for it ) as well. I want to get straight to the point, I am furious because Ive paid this car off as of XX/XX/XXXX which was my loan maturity date after 76 months, due to 4 payments being deferred over the 6 year period ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX ). So now per multiple Santander representatives XXXX # XXXX, XXXX # XXXX, & XXXX # XXXX they are stating that I owe a total of {$10000.00} which is an accumulation of late fees, ( my XX/XX/XXXX credit report received from XXXX shows NO LATE PAYMENTS ) and interest fees of the late fees. Now this seemed ridiculous to me so I began to start doing some research on Santander and found immediately on the CFPB website that there were a tremendous amount of complaints of Santander violating consumer rights, providing erroneous car loans to consumers over the years and also even settling with the CFPB to pay in excess of $ XXXX dollars in penalties.
|
| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through Chrysler Capital. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered Chrysler Capital system. Chrysler Capital sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You
|
| 05/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
my XXXX XXXX XXXX was declared a total loss after a hail storm on XX/XX/XXXX . My insurance company XXXX immediately sent a check in the amount of {$6800.00} dated XX/XX/XXXX . I began calling Santander every few days to see if the balance had been applied to my loan so that we could move forward with getting GAP to pay the remainder of the loan. it was almost 3 weeks when I asked to speak with a manger worried the check had become lost. the manager assured me it can take some time to process and not too worry, i advised that my insurance company was also concerned and if much more time goes by they will consider stopping payment. A few days later the check was cashed, and I began asking them to please send GAP the forms needed to process the rest of the claim. Santander assured me they had already sent the needed documents and would refax them, all the while XXXX denies receiving them. Well a few days after the {$6800.00} was applied it was deducted from the account bringing the loan back to the full amount owed before the total loss. Santander assured me the payment was stopped on the check, XXXX proves it was not stopped. XXXX is now sending me nasty letters advising if they do n't get the info they need in 20 days they are closing my GAP claim. my loan is now 36 days past due and counting. My insurance company has spent numerous hours arguing with santander as well as myself. I have gotten no where, it 's ruining my credit, and now i 'm in a time crunch for my gap claim.
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX and XXXX report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
|
| 02/27/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
|
| 08/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by Santander. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. Santander at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and Santander, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
|
| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.
|
| 05/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting.
The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated.
1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX.
2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate.
According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate.
Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.
|
| 05/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I received a late payment for my car note in XX/XX/2020 for a car that was totaled in XXXX. It was declared a total loss on XX/XX/XXXX, so in order for the person 's insurance to send the total loss payment ; they needed to receive the letter of guarantee. The letter of guarantee wasn't sent in time which delayed the total loss payment being sent. I knew there would be a leftover balance because I didn't have GAP insurance, but I wasn't notified the total loss payment was made. I called them every day to verify, but I was only told that it was in the process.
After logging into my account online on XXXX XXXX, I noticed the payment was made on XX/XX/2020, and I immediately paid the remaining balance on XX/XX/2020. It wasn't posted to my account until XX/XX/XXXX. After I made the final payment, I was given or assessed a late fee for XXXX.
When I noticed the late fee, I immediately contacted them to remove the late fee. I was told on XX/XX/2020 that I needed to dispute the late fee in writing to have it removed from my account and credit report. I mailed the letter on XX/XX/XXXX, and I haven't heard anything since then. I reached back out to Santander Consumer on XX/XX/2020 just to verify that they had received my letter and I was then informed that I could dispute the late fee with the credit bureaus.
I feel that I've done my due diligence in paying the vehicle off, speaking directly to their customer service agents, and sending in my written dispute to have the unjust late fee removed.
|
| 04/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
In XXXX of XXXX, I bought a used car with the lender called XXXX XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX branch in GA. The account was sold to me as a single use account to cover the purchase made that day.
I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.
Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.
|
| 06/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Company is Chrysler Capital out of XXXX Tx.
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't.
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed.
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.
|
| 12/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018 by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.
|
| 02/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I went to the Santander web site to make my XX/XX/XXXX payment, as I always do, when the previous month 's Social Security Benefit payment goes into my checking account on the third Wednesday, which in this case is XX/XX/XXXX.
Using Santander 's XXXX XXXX Speed Pay tool, I made my normal monthly payment, of {$220.00} plus the XXXX XXXX money transfer fee of {$2.00} for a total payment of {$220.00}.
The payment showed as pending just after I submitted it, which is normal. ( see attached document ). But by Wednesday evening, it had not cleared, and it usually does within about 3 hours.
I just checked the account online and there is no payment showing as " pending '' and it still shows my XX/XX/XXXX payment as being due. ( See attached document ). There is no record of the pending XXXX XXXX payment. It has disappeared -- and it has never done that.
Santander is known for this kind of activity and they put the burden on the consumer to keep the account current. You can imagine my distress knowing I just paid them the only money I have to make that car payment -- and they have no record of it.
But I do! I always save screen shots of receipts when I make payments to them. They are as crooked as Light is Day.
I have all the files showing the balance due, the payment history showing the payment as pending, the XXXX XXXX payment receipts and the screen shot of my checking account showing Santander deducted the money from my account using my debit card. ( See attached documents ).
|
| 12/14/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late.
I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair.
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.
My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern.
I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me.
Thank you.
|
| 03/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I've deposited {$1000.00} for a new vehicle purchase at XXXX XXXX XXXX in XXXX, VA as the dealership doesn't have in stock vehicles for the model of the minivan that I was looking to buy. I've presented a {$1000.00} cash allowance bonus credit email offer received from Chrysler corporation, which did not mentioned in any of the terms and conditions that the cash allowance bonus credit needs to be used only for a XXXX model vehicle. The same was not validated by the sales person/manager when my vehicle order was confirmed in XX/XX/XXXX. At the time of my minivan delivery in XX/XX/XXXX, the dealership denied the cash allowance bonus credit as their internal system showed that it's valid only for XXXX model, which I was not informed earlier. The sales person told me they would contact Chrysler corporation and make sure the check is sent from Chrysler and they've charge me {$1000.00} more than I was told. I've emailed since then to the XXXX XXXX XXXX who have ignored the same. I've stopped by the dealership and asked the same sales person and they've now changed their words and told they can not help. Chrysler corporation customer service has also said they can't accept the credit voucher as it's for XXXX model even though no where is that mentioned in the offer. There were no XXXX model vehicles in XX/XX/XXXX and I had to order a XXXX model per dealership suggestion.
My numerous attempts to get the offer accepted from both Chrysler corporation and XXXX XXXX XXXX have gone in vain.
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month.
I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.
|
| 01/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( agent name given was XXXX XXXX ) regarding a debt with Santander Consumer USA Corp. I was told I owed {$3200.00} and Santander were seeking legal action against me. I advised this debt was settled in XXXX. The debt collector proceeded to tell me this was a scam and the amount I paid didn't go toward the debt.
I backtracked and ended up with a Santander compliance officer named XXXX XXXX. Mr. XXXX called XXXX with me and asked XXXX about a cease and desist order Santander had against XXXX XXXX, and to speak with the owner of XXXX XXXX XXXX, XXXX XXXX, and XXXX hung up. I have not heard from XXXX XXXX XXXX since.
XX/XX/XXXX : I was contacted by a company called XXXX XXXX. The agent stated their name was XXXX XXXX with mediations and resolutions. Phone number on my caller ID was XXXX. I was advised Santander sold them my account " two weeks ago ''. I was threatened a tax lien and wage garnishment. The debt was {$4000.00}, however, they would settle for {$1000.00} and the government would pay the rest through a Covid 19 grant. Once I paid them, I would get a paid in full letter.
I have a paid in full letter from when this debt was settled in XXXX of XXXX. I also received a 1099C from Santander for the XXXX tax year for their write off.
This complaint is against XXXX XXXX XXXX and XXXXXXXX XXXX for trying to collect a false debt. Also for Santander Consumer USA Corporation for releasing my personal information to these scammers.
|
| 05/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
When I bought my XXXX XXXX from XXXX XXXX in Missouri, I was conned into trading in my car, getting less then half the trade was worth. They added a service contract that I never asked for which cost XXXX $ I had problems left and right with the vehicle, and the warranty the service contract came with. Hasnt covered any of the cars issues that they claim are not covered, but when I call the warranty company they are. When I signed the paperwork I asked before signing why is there 2 amounts on the document, they assured me I was paying the XXXX. The listing price for the car was that much, I got approved and then at the last minute when I was finished signing the paper work the lender they said that approved me changed there mind. They then magically found Santander USA and charged me 25 % casual interest. Now Im paying XXXX for a car thats worth XXXX if that anymore. I didnt want the car at that point and they told me that I couldnt get out of the contract due to signing it. When they mailed me the title to the car, the bill of sale, title and legal documents were for a car that I didnt purchase. It took them months to finally get me the needed proper documentation to legally show Im owner of the property. I just need help refinancing. I dont feel it was within my constitutionally protected rights. I never agreed to be financed thru Santander. But the I was scared into believing when they said even if I broke the contract and ended it, I would still owe for the loan on the car.
|
| 11/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''
|
| 08/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
It has come to my attention that CHRYSLER CAPITAL/ XXXX XXXX did not disclose certain vital facts in regard to the consumer credit transaction. Pursuant to 15 usc 1605 ( a ) ( 5 ) the finance charge includes insurance in which I had to purchase, and it's in the sum of all charges. Also, under 15 usc 1635 ( a ) I the consumer was not informed or provided documentation of my right to rescind on the transaction.
I was rushed into a car the day of purchase without any knowledge or documentation of the rescission paperwork, nor did I receive it in the mail.
I had to pay for insurance out of pocket and insurance is supposed to be in the finance charge which is also the sum of all charges why am I being charged interest, late charges, Security interest, service and handling fees and also a service contract fee? ( See paperwork attached ) This is a VIOLATION of my rights its wrong unjust and it has caused me stress from all the letters and phone calls. I've even received a letter stating that CHRYSLER CAPITAL will accelerate the maturity of the outstanding debt Pursuant to 15 usc 1692c ( c ) ( 2 ) I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you CEASE AND DESIST any further communication ( by phone/mail ) including automatic phone call system you have calling my phone more than once or twice a day. Unless in response to notify demands have been met.
. Pursuant to 15 us 1635 I have the right to rescind this contract
|
| 09/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
The vehicle in question with this lien holder was involved in a hit and run accident by a stolen dump truck ( see linkXXXX XXXX XXXX ). My insurance company investigated and screwed around for almost 4 months ( 3.2 months ). The claim was settled with XXXX XXXX on XX/XX/2019 - they have screwed around and didn't issue payment for the vehicle until yesterday XX/XX/2019 - Santander whom I called a half a dozen times prior to this, even made a {$50.00} good will payment so SOMETHING had been paid, ( which they never reported or credited ) and charged off the account on XX/XX/2019 when they clearly KNEW it had been a total loss in early XXXX! They also kept me from making payments online via debit/credit for months and when I would call and try and make a payment just so SOMETHING would be paid, they kept giving me the runaround of " dept is closed '' and they won't be open until XXXX tomorrow nonsense.
So when I see the account is charged off on my credit report NOW they tell me that if i would've made payments they would've reimbursed me? something I've never heard of, why would they reimburse me when I would still have to file a claim with the GAP coverage to cover the balance of the loan.
I call XXXX, I have attached, not only the statement from the bank I made the {$50.00} payment from but also the entire phone conversation with them stating everything that they said plus they said I should've been told that the first time I called and nobody would inform me of anything.
|
| 05/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I co-signed on an auto loan with Santander ( SCUSA/GATEWAY ONE ), I had to co-signed since my boyfriend at the time was what banks label as high risk borrower, however Santander accepted to finance the vehicle as long he gets a co-signer and with a little higher interest rate. Unfortunately, the loan became impossible to pay, base on our calculations 95 % of the monthly payments went to the interest and not to the principal, me and the cosigned had to stop making the payments and the vehicle was repossessed, sold and the finance company is collecting a deficiency balance. A few weeks ago, during a web search, I found there us a coalition of multiple attorney generals who recently announced a settlement with Santander Consumer, this settlement includes money in relief for the consumers and deficiency waivers. I found this settlement resolve a lawsuit that Santander violated consumer protection laws by exposing subprime consumers, high risk borrowers, to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. I really think my loan is part of this allegations against Santander since they put us in an extremely high risk of default with an incredible high interest rate.
I contacted the settlement administrator and they asked me to contact Santander, I did but every time I contact them advise me, I will get a letter or notifications in my mail, but they HAD never looked for my account ; so, there is nowhere to go.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare.
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it.
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.
|
| 10/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We went to XXXX XXXX XXXX in XXXX WV to purchase a new car for my military son stationed in Kansas. Well needless to say that my husband and I are both XXXX with limited income and this was all explained to car lot. Well we got a XXXX XXXX XXXX that we really didn't want but we were going to Missouri to see my son and he needed a vehicle to go on to XXXX XXXX well payments were {$500.00} which was alot higher than we asked for and they put the car in our name not my son 's so it went on our credit. We put {$2000.00} down of my son 's money and he paid {$500.00} monthly till he came in on leave. We went to car lot to trade the car in for a vehicle my son wanted well they wouldn't take the car on trade because they'd lose money cause car we were paying way over what car was worth I volunteerily surrendered the car to Santander and they sold it for over XXXX We had paid over {$8000.00} already so they wanted XXXX more and I said no the car wasn't worth that and they agreed to drop it and it was off my credit report for months and then all of a sudden it's back on there and they are calling us after over a year of not bothering us. This company and car lot have been in trouble before on getting outrageous loans for people who can't afford them so they make a profit. My husband has XXXX XXXX and is not compent to enter into loans they were aware of this but guess whose name is main principal. So that's illegal and we've lost enough money over this we just want it off our credit.
|
| 04/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car.
The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void.
Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States.
I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this allegation Is there any assistance you can offer me on this matter?
Most sincerely,
|
| 02/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a car in XX/XX/2013 in which the finance company Santander Consumer USA for {$18000.00}. It stated in the contract that, at the end of my loan, I would have paid {$17000.00} in interest. Recently, I called them to get the pay off amount because when I went online, it showed that I still owed {$12000.00}. For the past couple of years, I began to see the amount go down slowly. But instead of paying toward the principal, they have been putting half, sometimes all of the installment toward the interest. After adding up what has been put toward the interest and principal, I discovered that {$24000.00} has been paid in interest and roughly {$6000.00} toward the principal.I 've spoken to different reps including a supervisor which all said that I have not satisfied the interest yet.
One time I was laid off, and it took a couple of months to get caught up. I was charged late fees in which I paid. I paid double, one time, to get it back on track. They stated to me, today, that because I had several auto extensions ( which includes some that were 5 days late ), that all of those payments went directly to interest. It states in my contract that I can be up to 7 days late and charged only a late fee. I was charged both and don't understand how they can do this. I've purchase several cars throughout the years and have never seen any thing like this. It seems like they can charge people whatever they want to and get away with it. I don't know what to do and really need help.
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.
|
| 01/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I took out a used car loan with Santadar for a XXXX XXXX XXXX. The truck has a payoff balance of {$29000.00}. I recently lost my job and missed XXXX payment. The monthly payment for my truck is {$660.00} but the past due balance was close to {$1500.00}. I confirmed with a customer service agent with the company that I was only XXXX payment behind. Santander seems to calculate their current balance by any missed payment, the current payment due and the next upcoming payment grossly misrepresenting the amount owed. I asked my I was getting collections notices as I was not behind 90 days. The representative had no answer. I missed my second payment in XX/XX/XXXX. I did not receive any notices in the mail about the company repossessing my vehicle. In the late evening hours on XX/XX/XXXX, I walked outside and my truck had been resposessed. There was no contact information left by the tow company and the offices of Santander were closed. I received no notice that my vehicle would be repossessed since my missed payment in XXXX and the date of resposession. I have missed XXXX payments with Santander and my upcoming due payment would have fallen on XX/XX/XXXX. I have not missed XXXX payments nor am I 90 days late yet the balance due as stated on my Santander account is {$2800.00}. When I called into after my first missed payment I was not given any information on lowering the payments due to hardship or why I was receiving call after call and a huge unwarranted outstanding balance.
|
| 11/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle on XX/XX/XXXX through a local dealership, with a loan backed by Santander Consumer USA. Per my XXXX the first monthly payment was due on XX/XX/XXXX. The monthly installment amount was set to {$410.00}. Upon contacting Santander on XX/XX/XXXX to initiate set up of the first payment, I was notified that I was past due on my account and that if we did n't make payment by XX/XX/XXXX a late fee would be assessed. The representative stated that my past due amount + current month 's installment would total {$830.00}. This is in breach of the agreed upon XXXX XXXX. I advised the representative that our first payment was contracted to be on XX/XX/XXXX and he advised me that I was incorrect and again informed me that if payment was not received by XX/XX/XXXX a {$25.00} late fee would be assessed. During the same call said representative informed me that I had the option to change my payment due date online, of which advice I followed at a later date ( reset due date to EOM ).
I charge Santander Consumer USA to be in breach of contract on the following counts : 1 ) A Santander representative stated my first payment to be {$830.00} ( see attached Payment History ), in disregard to the signed contract.
2 ) A late fee was of {$25.00} was issued on XX/XX/XXXX ( see attached Payment History ), again in disregard of the signed contract.
3 ) Upon changing of the monthly due date, the monthly installments increased to {$410.00}, also contrary of the signed contract.
|
| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX.
XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver.
XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX.
XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office.
XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account.
XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer.
I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I got hurt at work and was put on workers comp in XXXX of XXXX. I told them that it happened and asked them to lower the payments or work with me til I get back to work or get a settlement to pay off the car. They told me no they couldnt, I asked if we could refinance it since I had it over a year and was told no on that as well. I got hung up on multiple occasions trying to work it out. They were just no help. It was my only car for transportation and left me with no vehicle to get to my appointments and stuff I had to do. So I have been trying to get rides to all of that. I then called them about the voluntary repo since they werent going to work with me. Got hung up on again. Then they would call me everyday just asking about the payments that were due. I told them that I was trying to do the voluntary repo. They would transfer me to someone and get hung up on. Tried doing the voluntary repo in the beginning of XXXX and never got a response from the company to get it. Finally got through to do a full conversation of the situation and they told me they cancelled the voluntary and were making it a repo from them. Finally got the car picked up yesterday XX/XX/XXXX. Long story short I wanted to keep the car I tried every way possible to keep from hitting my credit and messing my life up more when Im already in a bad spot with workers comp and now possibly being permanently XXXX. I was fully honest and let them know everything I was going through and the whole situation.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Earlier this afternoon and after deciding to purchase a new XXXX XXXX truck after having an opportunity to experience the new unit my son purchased just last week, I proceeded to apply online with Chrysler Capital directly in order to take advantage of the manufacturer 's 0 % interest for 72 month with 90 day free payment offer which expires at the end of the day today. Unfortunately shortly after applying, I received a denial email yet after contacting Chrysler Capital to inquire why my application was denied as to understand the reason for it since my credit history and score are both excellent ; I was told that Chrysler Capital although they take online consumer applications they will not discuss these directly with the applicant and have referred me to a local dealer which as part of this manufacturer 's application process they force you to select even though you might not be purchasing the vehicle from them. That said and as a consumer, not only do I have the right to know directly from who is processing my application why it is being denied instead of having to contact one of their local dealers who is asking me to submit another loan application so they can present it to an undisclosed number of lenders which will end up damaging my credit history and score. Not only is this unacceptable but I believe it is an unfair business practice should be investigated. I appreciate your consideration to this request and look forward to hearing from you soon. Thank you...
|
| 06/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan is currently being paid on and is current. Santander Consumer USA is maintaining a charge off even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any 10Q filing with the Securities & Exchange Commission. I am a member of the XXXX XXXX that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full.
SANTANDER IS IN VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT!!!
I HAVE ATTACHED COPIES OF OUR PAYMENT HISTORY THAT VALIDATES THE LOAN IS CURRENT!!!
SANTANDER MUST ADDRESS ALL MISCELLANEOUS FEES THAT WE JUST RECEIVED!!!
I ASK THE CFPB TO HELP ME GET A FAIR EXCHANGE FROM SANTANDER CONSUMER USA!!!
THIS CREDIT TRAELINE MUST HAVE THE CHARGE-OFF STATUS DELETED IMMEDIATELY!!!
|
| 08/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I moved from paying my car loan once a month to weekly to reduce the high interest rate. My payment was due on the XXXX of every month, so I made the normal payment of {$570.00} and then the next Friday, I paid XXXX and set it up as a recurring weekly payment through my bill pay with XXXX. These check when sent are withdrawn immediately from my account. It was almost 4 weeks later that I received the first check back with a letter from Santander. The letter stated that the account number listed could not be located. ~The account number is clearly printed at the top of the checks.~ I have tried to resolve this issue with them, but even the Office of the President is not making any progress and I am now 3 days late for the payment and interest and late fess have started to accrue. There is no problem with the payment, the checks or the account. However when I call in to the Presidents office my phone call is " answered '' with no one speaking for up to 30 minutes, when I call from a friends phone I can get through to them immediately and then am given an excuse like they are researching the matter and if this was their fault they will refund excessive fees, but will not put that in writing to me. I feel I have no other options for making my payments and have no where else to turn to pay my bill.
I have made 12-15 phone calls about this, spent more than 25 hours on hold or getting bumped from department to department. I am exhausted of this and just want to pay my bill.
|
| 05/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My name is XXXX XXXX and I have been trying to clean my credit now for 5 years. My credit was compromised and I also received information from XXXX that my credit was compromise. I have filed a claim with XXXX for the Class Action situation with XXXX data breach. After almost 10 years I have been disputing a Santander loan on my credit and XXXX XXXX that was a car accident and I sent in all paperwork and it is still reporting. I recall co-signing with my ex husband years ago with Santander but XXXX should be deleted and Santander. The vehicle was sold for {$4900.00} but they are still reporting {$10000.00}. I have been on XXXX for 3 years now but this car loan on my credit is prohibiting me from purchasing anything and keeping my score low. I have complained for over 3 years with all credit reports and they continue to not delete it and I have called the collection agency and they admitted it should be {$2000.00} listed as debt but they havent negotiated the price or deleted it and they are still reporting {$10000.00}. I cant get approved for a place to live and or a credit card. I constantly dispute this car loan and it constantly stays on my credit and its been almost 10 years. Please help me. I am a XXXX single mom of XXXX XXXX children and I already fill in poverty. I am trying to repair my credit. I also have tons of inquires and most I did not apply for and credit companies told me nothing could be done about the inquiries. What are my right with inquires?
|
| 10/22/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff.
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong.
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this.
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.
|
| 09/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
In the year XXXX, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX a car dealer in XXXX Maryland. Shortly after I purchased this car I realized that I was being taken advantage of and became a victim of a bad experience as a consumer. The contract that was created and structured for this car was extremely illegal. For starters, the XXXX rebate that I was promised was never put into the contract but into the dealer 's pocket. 2. The contract was structured as though I was paying for two cars and I only bought one car. 3. The high-interest rate that I was charged was never supposed to reach 29 % but only should have been no more than 10 %... Furthermore, after going before the board at the XXXX credit union to get the car refinanced they informed me that the interest rate was an enormous error and that they could not touch the contract. Mrs. XXXX a loan officer at XXXX XXXX XXXX XXXX also advised me that I should seek legal counsel because the contract was written up so that I would fail. Mrs. XXXX first approved for a refinancing of the car and on the day that I was supposed to get the check for the payoff of the car ; she captured the error of the rebate and the erroneous errors in the contract. My family has suffered embarrassment and have had to undergo tremendous disadvantages because this car was repossessed a day before I had to return to my job as a XXXX after a summer break in XXXX ..... I desire to be compensated for my family 's pain and suffering...
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.
|
| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I co-signed for a car for a former girlfriend. The car was purchased in XX/XX/XXXX. She made payments on the account monthly and on time. XXXX of XXXX Santander which is who the car loan was through was notified that the car was totaled out and that gap insurance would take car of the balance. Upon checking my credit report I noticed that the account was still showing on my credit report. I contacted Santander and informed of the problem and was told that gap insurance never contacted them and that the account still had a balance on it and that the car was repossessed. I proceeded to ask how was a car that was totaled and in a salvage yard repossessed. The representative then stated that they were notified that the car was totaled in XX/XX/XXXX and that they submitted a claim to the gap insurance, but never heard anything from the gap insurance company so they placed car as a repossession, and that the car was sold and the balance that was on the car was the remainder balance after the sale. I went over the account with Santander representative and informed him that the account on my credit shows as a charged off account not a repossession. I also inquired about the settlement lawsuit to forgive the loan and was told that I would have to contact the attorney general, but was informed by attorney general that I would have to contact Santander about the forgiveness settlement. I have been given the run around about the issue and this causing havoc in my current life.
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I am still under the impression that XXXX XXXX are not keeping accurate records with my account and are operating under deceptive practices.
I filed a formal complaint with the FTC about my account and how they are reporting it.
When looking at their response to my complaint, they listed another a vehicle, interest rate, and other information that doesn't match mine. As you will see on the attached documents, that they vehicle in question is a XXXX XXXX, they listed a XXXX XXXX. I have never owned a XXXX XXXX and I have never financed a XXXX XXXX through this dealership or through Chrysler Capital/Santander.
I question if these documents match the information reported and if the calculations are correct because they are associating it with another vehicle.
The company that was used by their company never sent me a document or anything stating where I could come and get my personal belongings.
Also the terms listed are not accurate. They show that the vehicle was extended 2 times and not 5. Are they stating that a request of date change equals a month extended? If so, where is the documentation that shows this is possible and where is the documentation that it was communicated to me? 2 does not equal 5.
On XX/XX/2021, they responded to my complaint with these discrepancies and expect me to believe what they are reporting is accurate.
At this point, I would like to have this account removed from my credit report for inaccuracies and deceptive practices.
|
| 09/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.
|
| 07/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a car through XXXX XXXX XXXX XX/XX/2013. They offered me financing through Santander Consumer USA, Account # XXXX. Within 6 weeks of purchasing the car they were already calling me with that I was past due and needed to pay 2 months payments plus late charges, which I did. Santander continues to call me 2-3 times a day for payments and late charges and has now started contacting family members including my father who has passed away during this. In order to get out of this mess, I decided to find a way to find another lender to work with and payoff the loan to Santander. When I did the payoff amount is higher than the price I paid for the car. I have paid Santander over {$16000.00} dollars and they ( Santander ) state I owe them more for the car than I bought it for. Feeling extremely frustrated I asked Santander for an accounting of how all my payments have been applied throughout the term of the loan, and I have been asking for this now for over 8 months. I continue to get 2-3 calls per day, and family members do as well, and I have never received a statement and/or accounting showing me where and how my payments have been applied. I feel Santander Consumer USA is deceptive and has managed my account improperly with no idea of how the payments have been applied. Santander has been harassing and threatening me and my family members and has ruined my credit score by continuing to report me as late payments. Thank you for any assistance you can provide.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me.
Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}.
I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done.
To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit.
I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.
|
| 02/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me.
The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report.
1 ) Santander Consumer USA XX/XX/XXXX 2 ) Santander Consumer USA XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXXXXXX XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 9 ) XXXX / XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 17 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 18 ) XXXX XX/XX/XXXX 19 ) XXXX XX/XX/XXXX 20 ) XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXXXXXX XX/XX/XXXX 22 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 23 ) XXXX XXXX XXXX XX/XX/XXXX 24 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 25 ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 26 ) XXXX XXXX XX/XX/XXXX 27 ) XXXX XXXX XXXX XX/XX/XXXX 28 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 29 ) XXXX XXXX XXXXXX/XX/XXXX 30 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 31 XXXX XXXX XXXX XX/XX/XXXX 32 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XXXX XXXX XXXXXX/XX/XXXX 34 ) XXXX XXXX XXXXXX/XX/XXXX 35 ) XXXX XXXX XXXX 36 ) XXXX XXXX XXXX XX/XX/XXXX 37 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
|
| 06/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.
|
| 10/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
|
| 02/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Santandar Consumer calls my cell phone a minimum of 5 times a day. They call from different numbers and many times leave voicemails that are incoherent. Last time I spoke with them on XX/XX/XXXX, it was discovered that 2 months worth of payments that I in fact paid, were incorrectly recorded as default according to Santandar. I supplied the company with my bank statement, confirmation number and photographs of the electronic check. The second error they were/ are harassing me over is the initial payment on the loan. I explained as they well know that my first payment, as is fairly standard, was to be paid by XXXX, the vendor. I supplied them with the salespersons information, and reminded them they have the contract on file. Yet, they continue to call every 20 minutes every day, weekends included.
Furthermore Santandar sent me a letter threatening to repose my vehicle on XX/XX/XXXX, XXXX XXXX. If I did not immediately pay them XXXX, the money they falsely believe I owe.
In addition the interest rate and the absurd late payment policy has me trapped in a loan that will not allow me to pay down any principle whatsoever. They charge XXXX sometimes XXXX dollars for being even a day late. The interest rate coupled with this crippling policy has resulted in a years worth of payments with XXXX dollars to principal. I am losing money every month on the value of this car and no one will work to refinance with me because they have created such an unworkable situation.
|
| 07/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
PLEASE READ.
I purchased a XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX.with an interest rate of 14.99 %. Financed with Santander Consumer. It is now four years later and I still owe {$17000.00}. This is for a 72 month term.
This interest rate is just to high and they have charged me {$810.00} in late fees.
.
*I 've asked them to refinance the interest rate to 8 % and they refused. The car doesn't even appreciate at the balance they say I owe, I will be upside down $ XXXX and with XXXX kids I can't afford ... and they keep adding fees..
( CAR IS OVER PRICED ) IT WAS A RIP OFF..AND THEY KNOW IT.
*I have asked them to remove the negative late remarks from my credit report so that I'm able to buy my home and they refused.. I can't get them to do anything ... I don't know where else to go except the News media.
*I 'm currently trying to buy a home and have several late charges from them due to circumstances with my divorce. The late 's that they have reported to the credit bureaus on my credit report are stopping me from buying a home ... This is the only thing on my credit report that's hurting me and my kids. my lender said that unless they have them removed from my credit report, I can't buy a house for 3 years ... .This would affect me and my kids lively hood.
Can someone please carefully read this and research. I DON'T THINK THIS LENDER IS FAIR AND I THAT THEIR PRACTICES ARE FRAUDULENT ... .THIS IS LOAN SHARKING AND A SINGLE MOM CAN'T AFFORD THIS.
|
| 01/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
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.
|
| 04/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected.
On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached.
I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us.
I really hope you can deeply research this case and take a fair decision.
Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX.
Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error.
Thank you.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Car toal loss and Santader will not negotiate with me to repay to remaining balance of loan that was not covered by insurance. Santander has commited predatory lending by : 1. Risk based pricing - The price of the car was increased when Santander became the lender. I was told that the Santander would only finance if the loan was XXXX.
2. Negative amortization - The car was purchased for a little over 20k but there is still over 17,000 that is left the pay on the loan. Most of the payment has been applied to interest. I also had a fee deferment when I was unemployed. I only requested one month but Sanrander told me that I had to have two which further increase the amount of payment that was applied to intertest.
3. Loan packing - I was told that I needed to have the extended warranty on the car or they would not finance me. I was also told that gap insurance was included the car protection plan with the warranty, but it was not.
I was also told that Santander has completed an interest modification, but the interest rate still remains the same and a smaller amount is applied to principal which allows interest to accrue and benefit Santander.
Santander also has not sent me the contract which I requested two times two months ago. I requested a copy again on XX/XX/2018.
I was very naive just out of XXXX school when I needed a car. Santander took advantage my ignorance and is holding me to an agreement that was made underpressure and false information. I
|
| 04/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 11/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.
|
| 04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
To whom this may concern I am a co-signer on a vehicle with Chrysler Financial. the primary borrower was late on a payment and did not inform me or I would have resolved this matter myself. Furthermore, Chrysler Finacial did not let me know that this was happening either. When I spoke to customer service on approxXX/XX/2020, it was discovered that Chrysler financial did nor have my correct information on file as they claimed that they attempted to reach out to me to inform me of this delinquincy.
I have had multiple conversations with the customer service team at Chrysler Financial and there answer is that they hold no accountability for reaching out to me to let me know that the account I was a co-signor on was delinquent.
The results of their dereliction of duty towards me as a customer is a decrease to my credit score and a derogatory mark that will last 7 years.
I am asking that Chrysler remove this late payment from all credit agencies immediately and create new guidelines to treat and communicate with co-signors in the same manner they communicate with primary borrowers.
on XX/XX/2020, I spoke with Mr XXXX XXXX from the Exec office/Office of the president and he advised me to reach out by mail to the Chrysler Capital credit Bureau Dispute office and initiate/follow up on this dispute with them. Mr XXXX also requested that I email him this information as well. I have advised Mr XXXX of my reaching out to the CFPB regarding this matter as well.
|
| 04/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
On XXXX XXXX my wife and I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. I co-signed with my wife on the loan financed through Chrysler Capital, I believe we may have qualified for a interest rate than the one extended to us of 22+ %. During the pandemic I have made several attempts to refinance the vehicle for a better rate only to find out the LTV is to high. My wife was able to defer a few payments but that only makes the situation worse with the very high interest rate. We still owe approximately same amount on the vehicle as we did when it was purchased almost three years ago. I reached out to Chrysler Capital trying to get them to restructure the loan which they declined. I reached out to the President/CEO of the parent company on XX/XX/21 which he passed along to a lower level management team that still denied the request only offering to defer the loan more and that would not help the situation. They advised me they do not refinance there own loans and I should seek help from an onside bank. I advised them the issue is not wether or not I can refinance its the fact the the interest rate given to us did not allow us to gain equity in the vehicle, making the loan almost impossible to repay if there is the slightest issue and you need a deferment or miss a payment. If we were to defer a payment for two months that equates to {$1000.00} in interest added to the loan. We are unable to refinance or trade out of the vehicle because of this.
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted
|
| 09/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.
|
| 11/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket.
Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.
|
| 03/01/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment.
I have unequivocally told them, the amount is false and they are beyond NRS starutes.
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
|
| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
There was a {$2000.00} fee added to my car loan by Santander bank. I suspect that there was an error at the repair shop and I am being charged for the warranty repair. I am not understanding why I am being charged a {$2000.00} fee.i filed a insurance claim after receiving a voicemail confirming the car was destroyed. Mysteriously a warranty repair was done and I was told I needed to return their XXXX rental car. I guess they are holding all the cards if I am driving their rental car. I guess that explains the {$2000.00} fee. The crooks probably took over the finance company to continue the pattern of intimidation from XXXX and now Spanish finance companies and XXXX XXXX tow truck drivers claiming they run things. They can try and scare me on the phone and steal the car from my grandfather 's tax office, I just hope they don't want to get physical considering how angry the XXXX was. I think I am a target of XXXX terror intimidation for disrespecting the XXXX XXXX and I am not sorry. I am free to write whatever message to whoever I want. If the readers decide to become XXXX XXXX XXXX and decide they want to break the law then maybe they might have a serious attitude problem and should seek counseling instead of risking being taken out by a drone for trying to physically hurt someone because they don't like what they are reading. Hopefully none of that stuff is going on and I am imagining the evil news stories. I guess its time to destroy the internet
|
| 02/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017.
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full.
On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing.
On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder.
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.
|
| 09/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
i want to pay the lender off for a vehicle financed at $ XXXXmonth for 72 months at 18 % the total amount owed and quoted XX/XX/2020 is {$7100.00} and valid until XX/XX/2020. However, They are giving me the run-a-round making excuses about the payment method. At this point, with previous experiences with the dealership and the lender i do not trust either one of them and don't believe what they say because i have proven otherwise as far as those so called backend charges that are part of the purchase price and can not be removed ... well i had them removed. i've been waiting for them to be removed from the total amount financed and was told by the dealer that it takes 4 to 5 weeks. its all a scam to extort money from people and make it look legit. i had to borrow on my life savings to get out of this mess. as much as i hate the car, don't like the car and don't want the car and it kills me to have to pay for it. i, d gladly do it so i don't ever have to deal with these crooked thugs in suites they should be in prison not slapped with a class action law suite . clearly it hasn't affected them because i cant get approved for a XXXX card from XXXX but got financed by this crooked lender notorious for doing exactly whats been done to me and thousands of hard working unsuspecting people ... SHAME ON ALL OF THEM.
PLEASE HELP ME PAY THESE PEOPLE DIRECT OR ADVISE SO IT DOESN'T GET CONVENIENTLY GET LOST IN THE MAIL AND COST MORE THAN QUOTED..
THANK YOU.
|
| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander Consumer financed a car I purchased from XXXX located at XXXX XXXX XXXX . I was under XXXX XXXX when the XXXX XXXX I had was totaled. The case number was XXXX , I was discharged in XXXX . The Trustee was XXXX XXXX XXXX Chapter XXXX . XXXX XXXX XXXX XXXX XXXX . XXXX TN XXXX . Attorney XXXX XXXX mishandled my case terribly. He filed the law sue that I filed in XXXX , as workman 's compensation. XXXX XXXX brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car. XXXX XXXX posed as a paralegal and had access to my records. Santander attorney was XXXX XXXX XXXX ( XXXX ) & XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the XX/XX/XXXX was XX/XX/XXXX . I was laid off of my job on XX/XX/XXXX , payments continued to be payroll deducted until XXXX when I was discharged. My insurance was with XXXX XXXX XXXX . I purchased a warranty with the XXXX . The warranty was stole by XXXX XXXX and XXXX XXXX to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with XXXX XXXX XXXX .
|
| 10/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
My fiance and I got a loan through Santander Bank. My fiance has a payee due to her being XXXX and suffering from mental health issues. Her payee has made all of our payments and bills for past 5 or so years, so when she started paying our loan we thought everything would be fine. She stopped making payments 3 months ago and we were never informed, nor were we called, and they claim it was because we had them placed on the no call list, which we did not and how would we be allowed to if that was the primary phone number on the account? The vehicle was repoed yesterday and when we called the bank today the person we spoke with was very rude and kept asking is in rude manner why we thought things were going to be any different if she gave us a chance to regain our vehicle, after she asked that 5 times we finally told her we didn't understand what she wanted us today because everything we said to her was met with the same, " No, now that's what you should of done before we repossessed it, what will you do diffefently? '' Which when we answered she would repeat the same queation! When I finally asked her what she wanted the answer to be, she said that she would be right back and then came back on and told us we would not be allowed to get the vehicle back unless paid in full. We'Ve already paid over {$5000.00} on that vehicle and just recently had brand new tires placed on it which cost us almost {$1000.00}. Please help us. I can be reached at XXXX
|
| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer USA is the lender : The short story is we bought a car a 2010 XXXX XXXX for {$18.00} on XXXX, the loan was set at XXXX percent interest. Since that time we have been late almost every Month with hardships after getting laid off. They repo 'd the car and chrged us an extra XXXX repo fee.
My wife was n't making the payments and I was giving her money to make them, they repo 'd me again last month and charged me more lates fees and a XXXX dollar repo fee again. Now XXXX the bank says I owe XXXX for a car that only blue books for XXXX. and they wont work with me on a buy out for a lesser amount they wont waive fees or work with me at all. I want to let them take the car but I know that wont help my credit history and they will come back and say I owe them more new late fees and maybe XXXX. They do n't keep the records correct the statements are a mess, the company has many many many complaints. Why is our Government allowing Santander to do this to hard working Americans? The car will cost me over {$400000.00} by the time I pay it off and it 's only worth XXXX. What a joke our system is to even allow this kind of robbery. I offered them XXXX to pay it off and they refused? XXXX XXXX? Are they from XXXX? This is why we have people trying to beat the system because the system is not working for the people. If anyone looked at my account they would see that I am being taken to the cleaners. I need help please. Thank you. XXXX XXXX
|
| 12/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On or about XX/XX/2021, I purchased a NEW Chrysler XXXX XXXX XXXX for my family. At the time, I took out a {$10000.00} loan from Chrysler Capital. I did so as part of the normal vehicle sales/purchase process. I took the loan knowing I would pay it off rapidly - as I took the loan solely to secure some purchase incentive that the Dealer suggested.
I paid off the loan in XX/XX/2021 ( only 5 months later ).
On XX/XX/2021, I received a written " Lien Satisfied '' letter from Chrysler Capital.
Subsequently, I never received the title to the vehicle. I sent 3 written communications to the Chrysler Capital website portal. ALL of those went without meaningful or substantive response. I also called 3 times. The hold times are excessive and no one seems to care.
The last two agents I spoke with had ID # XXXX and ID # XXXX. The first rep told me she saw the issue and would re-issue the title to me at my address of record. NOTHING was ever received.
I forced to call again only to go through the same nonsense. No one seems to understand what is going on.
I asked to have this escalated to Legal and nothing was done about that either.
I am hostage to this situation as ONLY Chrysler can instruct the release of the lien and delivery of the vehicle title.
I need someone in management to take ownership of this and get it resolved. It is simply ridiculous that something as basic and fundamental as this can not be resolved and executed properly.
|
| 11/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I wrecked my XXXX XXXX in XXXX of XXXX and my insurance company total loss the car. My insurance company called Santander Consumer USA and worked out an agreement with them to do a settlement offer to payoff the balance and to release the title. Well Santander agreed to accept the settlement offer from the insurance company accepted the check from my insurance company and released the title to them. I received a letter from Santander on XXXX XXXX, XXXX stating that they are notifying me that Santander Consumer USA Inc. has provided the appropriate party with a release of interest document as required by the state, they also said they thank me for my business and they hope that I will consider using them again for any future financial needs. This letter basically stated that my account was paid off by the insurance company and they released the title to them. Well this letter was sent in XXXX, in XXXX I started getting collections calls at home, my cell. and at work. I have explain to them that I received the letter that the account was paid off by my insurance company and the car is not even in my ownership anymore, they released it to the insurance company. Santander is still calling and saying I still owe a balance of XXXX XXXX and some odd dollars. I need Santander to close out this account before any late fees are added and also update my credit report with all XXXX major credit bureaus, stating that the account has been paid and closed.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.
|
| 04/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I bought a car in XXXX XXXX from XXXX at XXXX XXXX XXXX , XXXX and w as approved by Santander consumer USA. Inc. for financing. After I bought the car but before reg istering the car in XXXX county, XXXX I relocated to XXXX XXXX , XXXX . I was informed by XXXX Dept. motor vehicle. I could not register the car in XXXX without proof of permanent residence. The end date for the temporary tag issued by XXXX ended my wife was stopped by law enforcement. My wife called the dealership to explain we did not have a permanent address to register the car. The business office informed my wife the temporary tag would be good for as long as we did not have a permanent address just to provide our bill of sale to law enforcement to prove we owned the car and that it was insured. Bottom l ine is Santander Consumer USA INC. rescind ed the financing for the car without any prior notice to me. I did not become aware of their actions until a recovery agent called me on behalf of XXXX on XXXX XXXX , XXXX . I am unable to get alternate financing. The agreement I had with Santander w as in good standing the company had accepted every payment from XXXX XXXX to XXXX XXXX . At no time did either XXXX XXXX no r Santander advise me that if I did not register this car with a motor vehicle department that they would rescind the financing. I believed that since I was making payments on time that everything was in orde r.
|
| 07/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/2022 I sent Chrysler Capital a Debt Validation letter ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ) and demanded to cease and desist all collection activity until the debt was validated. The notice gave them 30 days to validate the debt.
Chrysler Capital failed to respond and validate the debt.
I sent a 2nd letter on XX/XX/2022 to notice them of the fault with the opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ).
Again, Chrysler Capital failed to respond and validate the debt.
I sent a 3rd letter on XX/XX/2022 to notice them of the fault with opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). I demanded they stop calling my phone and only communicate with me in writing. I stated their constant daily phone calls are now considered harassment.
Chrysler Capital finally responds on XX/XX/2022 ( 5 months after my initial debt validation letter ) with an attempt to validate the debt. They stated in their letter the following : we have placed all available phone numbers on the account as a Do Not Call, per your request, we will no longer contact you via phone. ( Copy of this letter attached herein as Exhibit B ) The focus of this complaint is : as of today, XX/XX/2022, Chrysler Capital has repeatedly violated me with phone call harassment virtually every day since XX/XX/2022. ( Screenshots of calls from Chrysler Capital attached herein. )
|
| 12/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models.
At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!
|
| 01/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I took a car loan through Santander Consumer USA and it has been downhill from that day. My vehicle has been repossessed TWICE. The second time was all because of a {$1.00} short pay, which was the customer service agents fault. I called in to make a payment and they gave me the incorrect amount, I paid and a few days later I went to leave for work and my car was not in my driveway. I have been charged OUTRAGEOUS fees ... I 'm talking thousands of dollars. Now, after making XXXX payments of {$360.00}, my loan balance has n't budged! It is still the same from the day I got the vehicle. I have paid over {$4000.00} and according to Santander, it 's all going towards interest and that I still have an interest balance of over {$1000.00}. How is this even legal?? Not to mention they call 1-2 times DAILY, when you 're past due ... which is incredibly excessive. When I have called to complain about my payments not going to my balance I get the same robotic response telling me this interest is accruing DAILY and that is why it is so large. So basically, Santander feeds on those with low credit scores and then robs them blind. This car can never be paid off, EVER, because Santander keeps it 's customers from paying off their loans. They are doing this so they can continue to make money off interest and they are so quick to repossess and I believe they do this to make even more money. Please help us unfortunate enough to get stuck under Santander!
|
| 07/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with Chrysler capital through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. Chrysler Capital manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, Santander Consumer USA has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and Santander was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like Santander to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also Santander has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called Santander numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
|
| 04/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Santander Consumer USA continuously called after verbal request of NO CALLS : XXXX ( XXXX ) - Santander initiated call - Requested NO CALLS after being contacted about past due amount, as I am typically at work and this disrupts my work day XXXX ( XXXX ) - Santander initiated XXXX and hung up when answered.
XXXX ( XXXX ) - Santander initiated call ( spoke to ID # XXXX ) - Advised I had previously requested NO CALLS prior.
XXXX ( XXXX ) - Santander initiated call and hung up when answered.
XXXX - ( XXXX ) - Returned call to Santander and advised I had previously requested NO CALLS numerous times before.
XXXX - Santander initiated call to alternate number on my account ( husbands ). Per requesting of NO CALLS, company should have restricted ALL CALLS to any number associated to my account.
XXXX Company is in violation of TCPA*** Per agreement terms and conditions within the Santander contract, " Consent may be revoked at any time and by any reasonable means '' As a consumer, I respectfully requested NO CALLS numerous times - Santander attempted further contact 4 additional times after initially requested NO CALLS. Each of the 4 calls in violation of TCPA and could be fined up to {$1500.00} per violation. I reached out for legal action to be taken, but due to pandemic, this process has been delayed. I am requested immediate action be taken by CFPB and to fine Santander for these TCPA violations and award these to the consumer.
|
| 05/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.
|
| 11/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased
|
| 11/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
We called Chrysler Capital to get the payoff for my wifes 'XX/XX/2019XXXX XXXX. We were told to remit a cashiers ' check from our bank in that amount and have it sent next day certified mail, which we did. The cashiers ' check arrived 2 days later and was credited to our account that night. Two days later we checked again and saw the same thing and that our account was paid in full.
Three weeks later all credit reporting showed the account was still not paid. Got back online to Chrysler Capital and found that the cashiers check had been credited then removed from our account three days later. No email was sent, no letters received, no calls from Chrysler Capital. We called them and got the runaround that we never made a payment, then the check was made our wrong, then that our bank ( XXXX XXXX XXXX XXXX ) denied the check, which per XXXX XXXX, is not true, as a cashiers ' check is seen as cash. No one from Chrysler Capital contacted our bank, and we verified that the image of the check was correct with routing and account numbers.
So now, until i can wait out the time until XXXX XXXX considers this a lost check, I am out {$18000.00}. Chrysler 's advice? Send them a personal check in the same amount. This is ridiculous and bordering on the criminal. It doesn't help that Chrysler Capital allows no payoffs more than {$2900.00}. I'm disgusted. And from what I have seen online, they probably should have been investigated before this.
|
| 03/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter XXXX, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open Santander has added multiple remarks onto my account and has affected my credit score significantly.
XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified.
XXXX instead of being removed like it shows on my XXXX report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XX/XX/XXXX To Whom it May Concern, Santander Consumer USA has engaged in unethical lending behavior and ultimately debt collection practices. Apparently, Santander Consumer USA purchased my auto loan for my car from XXXX XXXX at some point this summer. I was never made aware of this transfer by mail, phone, or email. Since I purchased the car in XXXX, I have made every payment- every single month- on time via autopay. This equates to roughly 48 payments on time.
Not only was I not informed of a transfer for my auto loan to Santander Consumer USA ( https : //santanderconsumerusa.com/support/contact ) but Santander Consumer USA did not appropriately continue my auto-pay at the time of transfer of the loan. They did not inform me of a problem and 90 days later I started receiving debt collection and delinquency calls from Santander. When they first called, I informed them that I did not have any accounts or loans with their firm because I was never made aware. Once I was informed that they held my auto loan, I paid the full outstanding amount {$1900.00} immediately in a one time pay on the XXXX of XXXX for my account number XXXX.
Santander USA failed on many fronts, however, their unethical behavior has affected my credit score disproportionately and is now impacting my ability to finance my future home. A proper remedy would be a full reversal of their recent actions as well as a written letter stating their egregious mistakes.
|
| 08/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX and XXXX credit reports from both XXXX XXXX and XXXX XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information.
I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information.
Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed.
Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.
|
| 08/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company processed an incomplete cease and desist by still using an indirect medium of communication with the consumer after being directed not to violating 15 U.S.C. 1692c ( c ). The company stated in the communication that the consumer owed a debt violating 15 U.S.C. 1692b ( 2 ). The company also used language and symbols in both the communication and envelope indicating that they are in the debt collection business violating 15 U.S.C. 1692b ( 5 ). This company has caused a great amount of harm to my reputation as a consumer directly violating 15 U.S.C.1692d ( 1 ). They also used language to abuse me as a consumer, along with causing my phone to ring numerous times and even gave the implication that nonpayment of the alleged debt will result in the seizure of my property. This action was a number of violations being 15 U.S.C. 1692d ( 2 ) ,1692d ( 5 ), and 1692e ( 4 ). They also reported credit information which is known to be false by the failure to communicate that the alleged debt is disputed violating 15 U.S.C. 1692e ( 8 ). This company has gave the consumer the false implication that the account has been turned over to innocent purchasers for value as well as compiling forms to create the false belief in the consumer that he is not the original creditor violating 15 U.S.C. 1692e ( 12 ) and 1692j ( a ).
It is a fact this company has civil liability for the violations committed against the consumer under 15 U.S.C. 1692k.
|
| 05/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My husband and I knew this was a simple loan with a high interest rate when we signed the contract. What we didn't know, is that we would be paying such unexplained, extensive fees that don't allow us to get ahead and payoff this loan. According, to our math, we estimate a balance of roughly {$5000.00} not {$13000.00}. We have had some health hardships and we have stayed in contact with Santander through this. The worst has been this last year when I was diagnosed with pericarditis, which resulted in a pericardial effussion ( my cardiologist believes from Covid, due to the timing and symptoms ). Unfortunately, I had to be out of work and again I was in contact with Santander, but apparently they continued to charge outrageous extra fees.
XX/XX/XXXX - I spoke with XXXX in regard to a payoff amount. My husband and I figured we would be close since we had just paid off our truck for {$18000.00} that we had bought XX/XX/XXXX. XXXX informed me that we still have a payoff of {$13000.00}. He informed me of the extra fees, but was unable to specify exactly for what. I had asked for a detailed payment statement and have yet to receive it. XXXX was very kind and informed me of the Santander settlement and that is what is bringing me here.
XX/XX/XXXX - My husband and I spoke with a Santander employee who was not so kind and very difficult to work with and once again, he also was unable to specify the exact reason and amounts of the fees.
|
| 12/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Several attempts have been made with Santander to correct the information reporting to two out of the three credit reporting agencies, XXXX and XXXX. A dispute was made for a third time to XXXX and XXXX stating the information for a 30-59-day late payment was incorrect and needed to be fixed immediately. XXXX and XXXX came back with a statement that states Santander Consumer is providing accurate information even after a formal statement issued by Santander to myself was issued to the agencies as proof. Santander continues to report false information even after providing a statement that the information would stop being reporting several months ago. As a consumer I should not have to suffer for the negligence of your customer service team providing inaccurate information to me about payment schedules during a refinance process. This is my FINAL notice to Santander Consumer to correct the information. Two letters prior were mailed out with the documents you requested, copies of my credit report showing the inaccurate reporting. If Santander does not comply to the statement you issued to me stating, you corrected the wrongful information on a certain date, I will use my right under the FCRA to take legal matters against the company. Attached is an XXXX credit report dated for XX/XX/2019. Please refer to the highlighted section for the statement issued stating Santander is reporting the negative mark as accurate instead as removed.
|
| 03/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.
|
| 10/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a previous issue with my checking account which i have resolved by obtaining a different checking account with a new bank however because I have had too many NSF checks because of the previous bank I was with Santander Consumer USA will not allow me to either make payments online or send a check to them as they will not accept them and they expect that I now either call in and pay with my debit and pay an outrageous fee on top of the ridiculous interest I already pay them or they expect me to use XXXX XXXX or XXXX XXXX which costs even more in fees to pay my bill.. What I am seeking is for them to accept check from the new banking institution that I am with and allow me to use the free pay options that they offer to other consumers. I feel as though I am being held hostage and being discriminated against because I don't have the same options to pay my bill with no fee that every other customer has. I want the ability to either send a check to them and have them accept it or to be able to pay online. I cant even pay the lower fee of paying with a debit card online as they have that locked too. I don't have the time to be calling them every month and speaking with them is very stressful because I don't get consistent information with my questions. They are the worst financial institution I have ever had to deal with. Hopefully the CFPB can help restore my opportunity to be treated as an equal consumer amoungst my peers.
|
| 02/10/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX XXXX my son leased a XXXX XXXX XXXX from a dealer in XXXX Fl. Because he was just starting his career they asked that I cosign the lease. My son put $ XXXX down and agreed to pay {$270.00} a month. On XXXX XXXX, XXXX my son passed away suddenly. On XXXX XXXX I spoke to Chrysler Capital and explained that my son had passed away. They asked for a death certificate which I sent along with all my contact information so they could send all correspondence to me going forward. I never heard from Chrysler Capital and on XXXX XXXX I stI 'll have not heard from them. However I have my credit monitored and the service sent me a notice that Chrysler Capital sent a late payment notice in to the credit bureaus which lowered my FICO score XXXX POINTS. I never got any notice or phone call nothing that there was a late payment due. I never heard from them by mail nothing. I contacted Chrysler Capital and they said they do n't have to notify me or invoice me nothing. Because I was the cosigner I am obligated regardless of the circumstances. My son never missed a payment for close to 20 months. He put $ XXXX down. I have paid the lease off, which if they had contacted me I would have done that day!! How can an organization like Chrysler Capital ruin the credit of a cosigner on a loan without giving them the opportunity make the payment or dispute the charges!!! How can the credit bureaus take what they say as the XXXX truth. Help..
|
| 12/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander insists on furnishing inaccurate information to the credit bureaus. The account is inaccurate due to no account type. The high balances are inconsistently reporting between the bureaus. How can the account have been verified as accurate with a blatant inaccuracy reporting month after month. I have disputed this account directly with the bureaus and have not made any progress and they simply refuse to investigate it any further which is illegal. Santander shows on my credit report they last reported the account on XX/XX/XXXX at one bureau and XX/XX/XXXX on the others. That is inaccurate. They are in violation of XXXX XXXX because they claim the account was sold to another lender yet they have failed to report to which lender. I have a right to know who is trying to collect money from me. The dates last active is inaccurate because they are inconsistently reporting between the credit bureaus. I have requested a record of the payment history to prove the last payment was made on XX/XX/XXXX and XX/XX/XXXX because they have 2 dates listed for the date of last payment. They have not responded nor provided a record of the payment history to prove a payment was even made. That is falsifying information to prolong the length of time the account is to stay on my report to purposely further damage my credit rating. Since they claim the account was sold to another lender why are they continuously reporting on the account?
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This complaint is in reference to Santander Consumer USA account # XXXX. I have sent legal documents to this company that releases me from any and all obligations to the allege account. I have sent several certified mail receipt USPS to this company. Until recently, I receive a document from this company to remove there name from my credit report. However, this account is still showing on my XXXX Credit report as a charge- off account. This company has not complied to any of the federal guidelines in reference to credit reporting. According to the fair credit reporting act section 609 ( A ) ( 1 ) ( A ), a company is required by federal law to verify- through physical verification - any and all accounts they report to the credit reporting agencies. Otherwise, anyone paying for credit reporting services can fax, mail, or email in fraudulent account information. On numerous occasion I presented documentation of this account not belonging to me. After several attempts, the company finally responded. I have enclose document receive with this complaint. I have been keeping a careful record of my communication with this company for legal purposes only. Considering Santander is acting in bad faith, I am prepare to file charges against this company for ; Defamation, Negligent enablement of Identity fraud, and violation of the fair debt collection practices act ( including but not limited to section XXXX ) if this matter persist.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time.
Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.
|
| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a car loan with Gateway One Lending in XXXX of XXXX. Unfortunately, I had to file bankruptcy in XXXX. When I did Gateway One was one of the lenders that were part of the bankruptcy. In XXXX of this year, Santander Consumer Finance reported an account that was part of my bankruptcy because they bought out Gateway One well after my account with Gateway One. Santander not only is filing on my credit that I had an account in BK with them but they are also changing a couple of the numbers to closely match the Gateway Account. Santander also showed the account as a charge-off with a balance which XXXX has already removed and changed it to part of the BK and XXXX balance. I do not understand how Santander can show an account on my credit when I never had a loan with them. If they can, I ask how can they show the same account/loan filed under two different names, Gateway and Santander? I feel this is a very fraudulent report from Santander and needs to be removed from my credit. When Santander reported it last month my score dropped over 80 points. This made our mortgage company decline us buying our home. We hated to file BK, but we did and have been paying any and all of our loans perfect. How can an outside financial institution just add this to our credit just because they bought out a lender that we dealt with and again I say that we never had a dealing with. Not a contract or anything. Thank you for your help.
|
| 07/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Three things.
First, alleged debt was never properly validated by affidavit in accord with XXXX XXXX. A formal request to provide this was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/2020.
I am demanding Chrysler / Santander disclose all documents upon which they are relying in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. Section 1681g, which state the consumer is entitled to said records.
Secondly, the repossession was called off according to XX/XX/2020, correspondence from Chrysler yet was immediately put back on the books on XX/XX/2020, without validating purported debt. When I asked manager # XXXX on the phone today for the contact information of the repossession company, she refused to provide it.
Thirdly, I have no clue which entity is truly attempting to collect the alleged debt. Demands are from Chrysler Capital and a year end tax statement provided from Chrysler Capital shows their Federal Tax EIN to be XXXX. Yet when one searches the data base for that EIN, it does not exist. In contrast, certified title records from the Florida DMV show a Federal Tax EIN of XXXX-XXXX, which belongs to Santander Bank. This seems very suspicious and fraudulent. Which entity is truly trying to collect on this alleged debt?
As an aside, the beneficiary has now stepped forward and claimed all accounts with the IRS and nothing is construed as abandoned.
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My name is XXXX XXXX, I have my vehicle financed thru Santander Consumer USA, they are telling me I am behind and that I have 5 missing payments! I sent payments in and I even went to my bank and showed the proof that I have paid with debit card using automated thru a fee with XXXX XXXX, Santander is saying that 5 payments were reversed and that my bank has reversed charges, my bank shows nothing being reversed! So Santander did an audit I faxed papers over showing from bank proof I payed! My bank is showing that Santander was paid and that I am not behind they are threatening repossession of my vehicle! I am just trying to figure out where my money is and that I am current on my loan, I work hard and I made my payments, talked to Santander and they want a letter from bank, bank has turned it over to their resulotion center, please help me keep my vehicle, the bank manager told me about you and said I should file complaint that you can help. This all started in XX/XX/2019, recieved letter from Santander that I was behind and threatened repo, on XX/XX/2019 I had a friend make a payment to keep me from repo and we payedXXXX, and thats my regular payment, I also noticed that my payments arent going to balance but going to interest and not principle of loan,, I agreed to make another regular payment on XX/XX/XXXX, sent another payment, then on XX/XX/XXXX I faxed paperwork from my bank and they still saying Im behind!
|
| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 10/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 06/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX, I paid {$700.00} to Santander Consumer USA on my car. The amount paid brought my account current. InXX/XX/XXXX I received notice that my car note was behind $ 1500+ dollars, and that I was 4 months late. When I contacted Santander about this issue, I was informed that the last payment they received from me was in XX/XX/XXXX and that I did not pay in XX/XX/XXXX XX/XX/XXXXor XX/XX/XXXX This information is inaccurate, and it still does not explain where the extra 4th month payment is missing from. I 've spoken with representatives, managers, supervisors and no one can seem to get my account correct. The issue of this account has dated back to XXXX, when I set my account up on a reduced payment plan due to a family emergency. At the time I set my payment plan up, I was informed that it would be good for 6 months, and at the end of the 6 month, my regular monthly payments would resume going into the 7th month. When I noticed that the company was still taking out the reduced payments, I found out that I was to contact the company and request them to change the reduced amount back to my regular payment amount. Santander Consumer USA has not appropriately applied the car note payment to my principal, and they are not accounting for all of my months payments. I am not the only consumer who is facing this issue. If you check out XXXX reviews, 1.6 star ratings overall is what the company has received.
|
| 12/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American, Servicemember |
|
The below problem disappeared from my credit after I filed my complaint in XXXX and now it's reappeared on my credit report. My initial report : I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} XXXX 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
|
| 10/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased my vehicle in 2012 with a 5 year loan from Santander Consumer USA Inc., I lost my job and the truck was repossessed and I paid close to {$2900.00}. dollars to catch the loan up meaning all missed payments and fees. Now it's been over 7 years that I've been paying on a 5 year loan, they keep telling me its becuase I'm making up for 8 missed payments. When I look at the statements showing all of my payments and missed payments most of the dates are wrong!! I was told when I paid the {$2900.00}. to catch up my loan that all payments were caught up! If you look at my account there showing I still owe over {$5500.00} dollars still after paying on it for over 7 years now. When i ask for a pay off amount they tell me I owe {$6600.00} to payoff the loan. If I continue to do so this loan is going to be and turn into a 10 year loan! I'm sure I have paid more than my fair share of interest and principal on this loan! I don't know who to turn to for help?! I feel like this is unfair and predatory practices on there part! There ripping people off for thousands of dollars for auto loans. Especially after paying them to catch the loan up after repossession, I had asked them repeatedly if it was enough money to catch up all my missed payments and fees and they told me at the time it was. So A 5 year loan has now or is turning into a 10 year loan for a vehicle that I have paid for twice the amount of what it's worth!
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.
|
| 11/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX????
the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date?
so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX
|
| 12/03/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX.
I continue to get several calls a day from XXXX and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan.
I was told by XXXX that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation.
On XX/XX/XXXX I also spoke with an agent from XXXX and was also explained the file is in litigation. They keep calling Help please
|
| 05/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.
|
| 03/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
On XXXX XXXX, 2016, I was notified by several parties that Santander left voicemail message inquiries while stating my name. I do not have a loan with Santander. I notified Santander over the phone and in writing to immediately cease and desist all contact with me, and to stop Skip-Tracing practices and calls to parties known to me for the purpose of making inquiries regarding me.
I am assisting my XXXX year old mother in her attempts to surrender her vehicle that she can no longer drive to Santander. She is also unable to sell the vehicle which is valued at {$2500.00} and the remaining balance is more than {$12000.00}. Santander engaged her in a loan contract that is predatory by imposing unfair loan terms with high interest rates and fees, limiting her equity in the vehicle to {$1300.00} after 33 payments totaling more than {$9000.00} over 3 years -- a perpetual cycle of debt that she will never be able to pay.
Santander was perfectly accepting of my direct involvement with her account while I was coordinating and rearranging her payments to them on her behalf as I do with her other accounts. But, when I started challenging the the payoff and the remaining balance and discussed her wishes to surrender her vehicle they refused to work with me directly. My mother mailed her written notification to surrender the vehicle and its location with instructions to pick it up, yet they have made no attempts to do so.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
|
| 11/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX and financed it through Santander Consumer USA in XX/XX/XXXX. We sold the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a check for the amount owed on the vehicle to Santander, and as of XX/XX/XXXX the account was paid in full. XXXX XXXX owes me money on the vehicle, but they are holding the money until the receive the title. In South Carolina, titles are held electronically, therefore Santander must release the lien on the title electronically. Santander keeps sending letter stating the lien has been paid off, but they for some reason will not send a electronic release to the DMV. I can not get anyone from Santander to give me a clear answer, they just keep sending the letter over and over again. The DMV told me there is nothing I can do because Santander will not send over the electronic release of lien. The letter they sent really does not mean anything. Santander also keeps giving me different reasons for not releasing the lien electronically, and they tried to say South Carolina is not a title holding state, but they more definitely are. I have contacted Santander numerous times, and they will not help us. We are having money held from us because of this issue. I am not sure why they will not send the electronic release. This is become a huge issue for me, as I have spent hours trying to fix it situation. It is getting to the pint where it is becoming a legal issue.
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle.
Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt.
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out.
My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home.
So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
|
| 06/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I recently ran into a issue with making payments with Santander consumer. I fell behind making my payments but have been making a payment none the less. I explained to them that the reason was for a change in work schedule, medical, as well as a problem with my financial institution blocking my payments. I was initially advised by a representative that I didnt meet the requirements for an extension. I was told that I would have had to been making payments for five months. I have made the number of the payments that I was advised but I am still being denied. Today XX/XX/XXXX I received a email that stated based upon a review of my account it appears that we may be able to offer assistance but we need to speak with you to discuss these options. I contacted them and spoke with two different representatives. The first representative was with their customer service team who said that I would be eligible for a one or two month extension. The second representative I spoke with was with their assistance team. She asked a series of questions then advised me that I wasnt eligible because I had to have a payment history of eight months. Over the past few months I have talked to several different representatives and each time the timeline changes regarding getting an extension. Its beyond frustrating dealing with some of the representatives from this company. They give you wrong information and dont listen very well.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that does not belong to me and i want them to be remove from my credit report.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft SANTANDER Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX XXXX
Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX XXXX
Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 07/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back.
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan
|
| 08/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. When purchasing this vehicle I traded in my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX I owed XXXX dollars on still and the XXXX XXXX I did not owe any money on at all. When purchasing the XXXX XXXX XXXX the car was {$22000.00} end of purchase even after trading in both of my previous cars in which the XXXX they gave me a trade in value of {$8000.00} and for the XXXX XXXX they gave me a trade in value of {$5000.00} the price did not change even with my trade ins. I was told the entire time by the salesman XXXX and the manager XXXX that the interest rate was only 10 % so I went a head and signed the paper work and purchased the vehicle. A month later when I looked through the paper work I came to realize they both falsified information and mislead me. The interest rate on the vehicle was not 10 %. It was 25 % meaning I didn't buy the car for {$22000.00} at the end of the loan that would make me owing the financer XXXX XXXX {$46000.00} I soon realized this was a down fall and a used car is not worth that kind of money. This lead to a repossession. The reposession came about due to false information and being misled not only by the salesman XXXX but also by the manager. I would like to have this removed from my credit report seeing that it honestly is not my fault that a salesman and a manager misleads customers.
|
| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was targeted by an auto loan lender Sandtander Bank with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ).
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach Santander. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, Santander bank was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
|
| 11/17/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am a co-borrower on a car loan though Santander USA. I have had this loan for 2 years and recently lost my job. The car was repossessed in XXXX of 2015. I did not receive any information regarding the repo, and had to call to get the information on where the car was taken to. One day after the repo it was transferred to the auction house. My property was removed from the vehicle and I had to pay {$75.00} to get that, then I had to pay another {$150.00} to get the car back. On top of these fees, Santander charged me another {$300.00} for repo fees. Upon finding out about the repossession, I made arrangements to place all of the late payments on the back end of the loan including the repo fees. I got the car back after I made a payment of {$390.00} by XXXX. I called to get the vehicle released as I had fulfilled my end of the verbal agreement. I picked up the car and assumed that everything would be set until the next month. After receiving excessive calls from Santander it came to my attention that they have no intention of honoring our verbal contract. They threatened to repo the car again because they are saying that I am 30 days late for my XXXX payment! You can understand my frustration when you do all you can to get ahead and the slap you with so many fees and then break the agreement that we had when I fulfilled my end of the bargain. My question is, what did the {$390.00} go to? Please help!!
|
| 06/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My XXXX payment, XXXX payment were not posted until XXXX even though they were mailed on time. Due to snow storm in Texas. My XXXX, XXXX, XXXX payments all went to interest nothing to principal Making my credit look like I missed payments. I have been trying to deal with Santander Consumer USA since XXXX to straighten this matter out. I have gotten the same run around. XXXX XXXX referred me to you. I am also complaining about the 25 % interest rate. 36 states are suing them for their illegal practices. I want my account set straight. I've already paid them what I borrowed for this loan. I borrowed {$11000.00} and they want me to pay them {$32000.00}. That's outrageous and then they want to pull this kind of stuff. You can't take advantage of people because it snows and you don't work. My payments were consistently paid from the beginning of my loan the same time with no changes until the mess up of missing payments during the snow storm. You can see that from my attached spreadsheet with every money order number date and statement date and date they posted it from the beginning of my loan. You will see where they have taken payments that have been made and days later reversed the payments and made them again. I'm also attaching a letter explaining their letter and a copy of the first page of their letter. So you can see the confusing and messed up stuff they try to use to explain what they've done.
|
| 02/20/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to you to complain about Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX. I have no known unpaid accounts with this business and after repeated verification request Santander has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX as recent as XX/XX/2020. Santander has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$300.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Santander multiple times via registered USPS certified mail with return receipts which prove Santander has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Santander has misrepresented this account by reporting a past due balance in the amount of {$300.00}. This account has been paid in full and has never been past due. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
|
| 02/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
on XX/XX/16 I called Santander Consumer Regarding a written statement for my pay off amount. I spoke to customer service and the lady sent my letter off to my email address. When I got the letter the customer service agent advised me the overnight mailing address was wrong. I asked her why sent out an official letter with the wrong address on it. She advised me the correct address was on their website and that it was out of her hands. I advised her I was turning this letter over to another bank who would then send the overnight check to the address on this official statement coming from them. She advised me it was out of her control and I asked to speak to a supervisor by the name of XXXX. He advise me it was out of his control. He transferred me to their Executive Team. and I spoke to XXXX # XXXX. I asked her the same question, why isn't the address updated on an official document that you are sending out to consumers? She informed me she would have to reach out to their legal team to see if they can change it and she would get back to me in 24 to 48 hours. I think this is totally unacceptable to provide wrong information on a document like this and have payoff payments going to the wrong address. My bank asked for a written statement and this is the document I provide. Now they are going to be sending an overnight payment to an address that Santander is no longer at, according to the supervisor.
|
| 12/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Santander was sued for giving low-income people loans and then finding a way to cancel the loan for repossession. This complaint is attached to complaint number XXXX. I financed a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me. I never made a payment because I contacted both XXXX XXXX and Santander Consumer to let them know the transmission was slipping in this vehicle. I was not obligated to make a payment on a vehicle that was sold to me without informing me of the problems. After the vehicle was repossessed, I was not able to obtain my personal belongings, but furthermore Santander Consumer failed to give me notice of the auction-according to the FTC rules . I would like to see the certified letter that was mailed to me before I obtain legal counsel.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I recently submitted a compliant concerning Santander Consumer USA and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. Santander is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, Santander processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted Santander to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. Santander is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but Santander refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Santander Auto Loan is reporting inaccurate, misleading and false information to the credit bureaus regarding our Santander Auto Loan Balance.
Account number : XXXX In Re ; XXXX XXXX XXXX Subject : Fair Credit Reporting Act Violation, failure to correct billing and reporting misinformation to Bureaus.
I have tried to resolve this issue and I was told I needed to send a letter I escalated the call and still nothing has been done to correct the billing or the misinformation to the credit bureaus.
We have made our payments and we are upto date with extra payment on the account. However Santander Auto says we owe them a whole payment, that information is not accurate false misleading and is being reported to the credit bureaus.
We are not behind on our car payments as a matter of fact we are ahead in these difficult times. Santander is not correcting the error and still chooses to report inaccurate misleading and faulty payments to our account.
This is a major issue because it bears false light on our character and payment history and hinders or attempt to establish credit to purchase a home or other important necessity.
I am therefore requesting a investigation into our account and need or credit report repaired because Santander Auto Loan is reporting false faulty information.
And Santander is over charging us per month causing a hardship now and and at the end of the auto loan.
.
|
| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was.
Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX.
Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due!
How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
|
| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
Hello, I am XXXX and receive XXXX from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My XXXX source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession. I wrote a complaint before about charges I did n't understand from Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is XXXX XXXX this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.
|
| 12/31/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.
|
| 08/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
This complaint is regarding Santander. I have screen shots of the numerous calls that have been made to me, at different times of the day. I could be at home sleeping on my one or two days off I may get or at work, busy with a customer, or a very time oriented task that requires my full attention. I will receive a call from them almost every day. I have had an account now where they call me over 7 days in a row, 9 to be exact. I understand I owe money to them and continue to plan on paying till I pay it back and I have been paying multiple times per month some months when I can afford it. But due to the current economic situation we all face, it's made things harder on everyone. Having a company harassing you, annoying you, taking your enjoyment of things away, stressing you out further, or interrupt you during a very crucial task at work. I do understand I am a little bit behind on it and I have obligations. But due to they keep harassing me it makes me hesitant to want to have a loan with them. It has been causing me numerous problems at work and affecting me and my abilities to do so effectively and efficiently. They stuck me with a nasty interest rate, having tried them and others to refinance the loan to a lower rate or payment. But to no avail, even with a higher credit. I will not accept them being able to break a law and not be held accountable for it, regardless of the circumstances.
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist.
XXXX has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by XXXX agent XXXX XXXX, there is no proof to the contrary. XXXX is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
|
| 02/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I can not believe the level of incompetence and lack of oversight by your agency, the auto industry is rampant with fraud and abuse against consumers. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Owned and Operated bi XXXX XXXX and XXXX XXXX who were previous owners of XXXX XXXX XXXX and were shut down by XXXX prior to their bankruptcy and now they are engaging in the same fraudulent activities including straw buyers and phony income to sell cars to unsophisticated consumers which is a Federal Crime. there finance department is run by a felon, XXXX XXXX and they are taking advantage of thousands of consumers by not disclosing terms and bait and switching at the time of sale with high pressure tactitcs. I attempted to buy a XXXX Dodge Durango with no income or employment I was told not problem all I had to do was come up with {$1000.00} and it would be {$750.00} per month for 6 years, how can this be? I declined and they continued to harrass me, They have been doing this for years and your agency is turning a blind eye to the real problems and fraud being committed. If action is not taken I will be notifiying the NYS DFS, FBI, state and local news agencies and every outlet to expose their fraud and your incompetence at enforcing the laws, I trust this will be taken seriously and you look into this company and it 's owners before any more innocent people are harmed.
|
| 07/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Santander consumer USA repossessed my vehicle in XXXX, once they had possession of the vehicle they removed the collection from my account in XXXX then placed the debt back on my account after, selling the account to another collection company by the name of XXXX XXXX. I have reached out to XXXX XXXX in which they have been very rude and aggressive with their words. I have also reached out to Santander Consumer in regards to their law suit ( which I have qualified ) they then gave me the run around and had me contact the direct line for the pay out the pay out line has then stated that I would need to contact Santander again to have them delete my collection and remove the debt. Santander has yet to remove the collection and have been giving me a run around stating they do not see me in their system. However, they have illegally sold the collection account to a collection agency in the middle of the law suit. I would like the collection completely removed from my credit and would like my credit repaired for having that collection on my account for so long. Santander had my interest rate at 28 % which has caused me to default. Santander has sent out letters in regards to the law suit but has not proceeded with what they have stated. I am not in debt over {$8000.00} and have been dealing with the stress of not being approved for anything because of the unprofessionalism of Santander Consumer.
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of Santander XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
|
| 12/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX XXXX Santander Consumer issued the following statement regarding the warranty refund of my vehicle : " With regard to the status of the warranty refund please be advised that the customer is responsible for any further follow up with the warranty company regarding the processing of the refund. We respectfully suggest that you contact XXXX for an update on this matter. So I did just that. Contacting XXXX ( an XXXX XXXX XXXX XXXX about the warranty, and here 's what i found out. Speaking with a Sguard representative named XXXX, she stated that Santander consumer was refunded back 100 % of the warranty and that Santander wanted the refund expedite. The warranty was cancelled by XXXX on XXXX XXXX, 2015. And Santander was indeed the company that funded the warranty. ( see attachments ) XXXX placed me on a brief hold to get her supervisor named XXXX who confirm this, but refused to give anymore information on this matter. XXXX stated that she would have XXXX XXXX in Legal and Compliance contact me with more information. At some point someone has to see how corrupt Santander is, their main purpose is to exhaust all their avenues rather than refund the warranty. When I do buy a car again you can best believe Santander comsumer USA, XXXX will not be financing my vehicle. This the most unprofessional, corrupt business I have ever had to deal with. Good luck with any and all lawsuits against you.
|
| 05/14/2015 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Company ordered a local minnesota repossession agent to repo my car on a debt that was n't valid. The debt evidence/word that original creditor Chrysler Capital provided was n't a valid claim. The car was taken from my family 's drive way between the hours of XXXX on XXXX XXXX, 2015. Called the local police to report it stolen was then informed it was repossessed. Local cop called the company listed on his report and they gave him the number for where the order came from and told him I would have to call the XXXX company XXXX XXXX XXXX for more information. I called the company and asked for documentation and was told they did n't need to provide me any documents and to call the original creditor who wrote the debt off and closed all accounts I had with them. My car was taken without my consent and as of XX/XX/2015 is still at the XXXX XXXX XXXX lot in MN. With no listed Lien Holder, no debt owed, I 'm the owner of the car. No Contract and / or debt with XXXX XXXX XXXX or XXXX XXXXXXXX company XXXX XXXX XXXX XXXX XXXX refuses to release the car until they get permission from original creditor. Notices were faxed to Original Creditor, XXXX XXXX XXXX XXXX, and the third party company ; XXXX XXXX XX/XX/2015 and XX/XX/2015. Notarized copy by certified mail shortly after. No responses as of today XX/XX/2015. The car has still not been returned to me.
Original complaint numbers XXXX and XXXX
|
| 01/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/2018 my vehicle was involved in a fire from another vehicle which resulted in a total loss. When I called Santander to file the claim and inform them I eventually was told that yes I do have a gap insurance policy and that I was charged for that over the term of my loan. The phone call that confirmed that was on XX/XX/2018. I did everything I could to reach out to both the original car dealership " XXXX XXXX XXXX XXXX '' located at XXXX XXXX XXXX, XXXX MD XXXX. The sales person was XXXX XXXX and was very dishonest at the time of the car purchase. The company went out of business and also the GAP Insurance company turned out to be fraud. At the time of purchase I was required to buy GAP to insure the loan by Santander. Now Santander is calling my personal phone, as well as, all of my family members to receive the balance of the loan even though I paid Santander over the course of the loan for GAP insurance coverage. They are harassing me and my family, and they will not accept blame or settlement for the balance even though I believe that is unfair. In addition they have dealt extreme financial stress to me because they are reporting the loss to the credit bureaus and causing additional financial stress on me, my wife and children. I've even spent hours on the phone trying to get someone at Santander to understand, and they continue to call and harrass me daily for the balance.
|
| 06/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have been dealing with Santander for a few years now with the loan of a car. This car is in my ex husbands name and i have been making payments on it for years. I called Santander to tell them i wanted to trade the car to get one in my name and because of them charging off the car in the credit system even though i had been making payments on it for years I could not do so. When I called on numerous times to discuss this with them they told me it was charged off and on my credit it did not matter if i made my payments on time it was not going to show that. It would only report negative. I tried speaking to different supervisors to reconcile the issue and they all kept telling me it was the company policy and that there was nothing they could do to help. After month of the run around I decided to buy a new car with a different lender. I called Santander to tell them to come and pick up the car i was no longer paying on something that was not in my name and reporting negativity on my credit already. I would like this to be removed from my credit report. I have tried to reason with them and work out the situation but have gotten no where in 2 years. The account is reporting negativly as a charge off on my credit report it is my ex husbands car and im paying thee price. This has affected me for 2 years now and is unfair. They hold you over a fire and are not willing to help you when you.
|
| 03/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest
|
| 02/02/2017 |
Yes |
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Keep receiving voice messages XXXX saying that this is a reminder from an asset to inform me that my scheduled payment for the settlement on file number XXXX will be debited from my bank account and that I can disregard message if there is no problem with my account. I can reach them directly at XXXX. They never give me business name or state their name in the voicemail. I finally called number back asking who they are and who they are with and they kept dodging the question. He then said he was with a law firm and they were going to seize my assests for not paying on my settlement of a past car that was a XXXX and went to collections. I informed the person that I already settled that debt and have all my legal documents from the debt company showing my settlement reached and paid so this must be a scam. I asked again who is he with and he hung up on me. I call number back, same voice answered but he denied ever speaking with me. When I asked him what company was he with he told me " XXXX ''. I found the real company online and called them. The lady with XXXX said they are not with those people and believe they are scammers impersonating them and that they have reported it. I have not given any information to the callers but they had an old address on file that I no longer live at so I am concerned they have gotten a hold of my credit report or social somehow and fishing for more info.
|
| 12/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My car company is through SANTANDER.
In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment.
They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment.
Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ).
I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?
|
| 01/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am a student who stuck in auto loan with SANTANDER CONSUMER USA 1. i got approved when dealer VWalhambra and SANTANDER make a deal for me.
2. in program 1st time buyer + New car 3. Dealer does n't asking or give an information about gap 4. Bank approved with 23.76 % interest + NO GAP for new car loan.
5. 1months and 15days later The car running now and system lock all tire in the same time Airbag from wheel front of me pump up still got luck because my arm protect my face while i turned off the freeway.
6. I keep pay on time until Bank give me the final total that still owe..around $ XXXX+ 7. I tried to talk with bank that i want them to show how much they got money from insurance and Why i do n't have gap for covered for a new car??
8. They keep said that I told them I do n't want but that 's not true. Deal between SANTANDER AND XXXX 9. I confused and I ca n't do anything and Which Company Could help me?
10. XXXX put {$2000.00} on XXXX but they do n't put on GAP.
11. i got a new car for 2 months and stuck from XX/XX/2015 till now 12. with Higher interest and Dealer not respond anything like they was n't wrong.
13 Am I wrong? that I never know about gap or about the processed and insurance from XXXX No agent because i did online nobody give me an advice.
14. How do i know that i need gap insurance if I do n't have an accident and My car was totaled. Until when i will know??
|
| 02/10/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I just received a phone call from a woman who claims to be a representative from Santander Consumer in reference to a loan where the property was repossessed and re-sold to another party. The caller told me that they could cut me a " side deal '' to where I would only pay half of the debt owed and the other party would be responsible for what was left. When I refused and stated to her that the whole thing do not sound right she ( the representative ) began going into a tirade about how she 's going to offer the other person the deal if I did n't take it and that she was going to put the debt into collections and ruin my credit. She also stated that the company would attempt to take me to court for the balance due. This company first contacted me back in XXXX and I expressed to them then to no longer call me and to deal with the former owner of the vehicle. They called a few times in XXXX and instead of leaving messages they just hung up. They would also hang up when I answered. They stopped for a while and had started back calling in XXXX XXXX. When I would answer they would hang up. They would not leave a voicemail when I did n't answer. Today on XXXX XXXX XXXX at XXXX Arizona time, XXXX XXXX time ( where I currently reside ) they called me and I answered the phone and that 's when the woman on the other end began to harass me. The number where the calls are originating from is XXXX
|
| 10/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan.
I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement?
He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called.
I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.
|
| 07/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Requested a pay off of vehicle loan held by Santander ' Consumer USA at the time a payment was due. When I called the following day the dollar amount had increased significantly. After speaking to a CS rep I was given a XXXX dollar amount. I asked to speak to a supervisor to explain their practice and was told someone would call me. This put the payment XXXX days late.
After going back and forth trying to get anything close to my billing statement for an accurate number, I finally got a number that was again higher and different than the others however I settled for this and told the rep I wanted to pay and close the account while we were on the line. I was told the amount to settle the account in full was above the amount of transaction the we 're allowed to process over the phone and I would need to send my payment via mail. I did so. Even paying a few dollars more so I had peace of mind I was finished with this organization. The payment finally posted but only after a second 30+ days late fee. Luckily I included enough to cover this ( I expected this to happen since paying off an account here was not an acceptable practice ). Loan was a 72 month loan and it was settled after 53 months. My complaint is that I now have two XXXX 2 XXXX thirty XXXX 30 XXXX days late marks on my credit report. This company refuses to discuss with me due to the fact I no longer have an active account.
|
| 05/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I called Chrysler Capital after receiving a bill in the amount of {$620.00}. This was due after my car was totaled. I did have Gap insurance but apparently it did not pay off my car. After a few months they charged off this bill and reported it to the credit bureaus. It has been a few years since the car was totaled. I just received another bill.
When I called I made a settlement with the woman I spoke to for {$300.00}. She gave me a number to call to make the payment and told me that when I do this it will say the whole amount but will only charge my card {$300.00} per settlement. It charged me {$750.00}. I called back right away and was told the payment was cancelled. A few days later after checking my bank account it was not cancelled. I called back and was told they couldnt cancel the payment. They wanted me to send them my bank statement to prove that it cleared the bank. I told them I was not comfortable sending them my bank statement. I went to the bank and got a letter from them stating that the payment had posted and cleared my account. When I called back to see if they got the fax they said I sent it to the wrong number and gave me a different number. I asked to speak to a supervisor and was put on hold for a long time. I have the settlement and the letter from the bank saying what was posted. I am getting the run around every time I speak to someone there.
|
| 07/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you
|
| 07/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
On XX/XX/XXXX I called Chrysler Capital to explain my circumstances with the attempt to get a bit of payment relief. I purchased this vehicle for my daughter, who no longer resides with me nor has possession of the vehicle. I was and have been XXXX many times with XXXX as well as a XXXXXXXX XXXX. It was my understanding that they accepted to defer two months payments for two payments of {$250.00}. I recently realized after being XXXX from the hospital that they did not accept those arrangements and are now demanding {$1500.00} or repossess the vehicle. I can provide mountains of proof/evidence that i have been financially impacted by my medical condition, of which I am now recovering from. I can maintain the payments going forward starting in XXXX but ask for assistance with the past due payments. Also, if its not asking too much, i would like rate and term assistance to help lower the payment. 32 % is almost highway robbery, but i did sign the papers and own this. I am currently not able to refinance the loan given it is upside down by ~ $ XXXX. Again, all i am looking for is the help getting caught up/current and can maintain it going forward ( and maybe some help lowering the rate/extend term/lower payment ). It would be easy enough to voluntarily surrender the vehicle however my credit is worth more to me than the $ XXXX i am paying for the unneeded vehicle.
Please, help!
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
In attempt to pay my vehicle off earlier without being hit with interest each time I would add additional monies to my regular monthly payment and on at least two occasions I sent an additional regular monthly payment only to learn the company was hitting me with interest on every single payment. Upon learning this I reach out to the company and ask what can I do to prevent from getting charged additional interest. I was informed by several agents that I must submit the extra monies on the same day as I send my regular scheduled payment, ok. Where the problem come in is for my XXXX note I call myself being proactive and paying my regular schedule payment one day early and then I sent another monthly payment the very next day. only to learn later the company took interest from both payments submitted. When I reach out to the company to learn why they charge me interest both times they said because I did not send both payments at the same time. As a consumer I pride myself on doing the right thing by making timely payments and sending extra therefore, I should not be penalized for sending extra payments in early or even if I send the extra payments a day or two later. I did receive a call from the Executive Office on XX/XX/21 but did not get anything accomplished because the female answering the phone said she was calling regarding a complaint I submitted to the company via email.
|
| 10/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other.
On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.
|
| 09/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was granted a simple interest loan, with an 18.2 % interest rate which I understand to be the default rate for borrowers with poor credit. I understand that, but the issue I have is that, although I've made some but not all payments, my loan balance has not amortized. I've mentioned this to the company ( Santander ) on two separate occasions, but received no explanation why this is the case. So, the monthly payment is being applied as interest, none to principal. As a result, the loan 's interest rate is effectively 27.6 %. I have calculated a loan amortization schedule, incorporating the details from my loan, and the monthly payment amount " works '' ; so I'm not sure what the Bank is doing, but no change has been made or explanation given.
As of late, I have fallen three months behind in my payments, but just called today ( XX/XX/18 ) to inform the Bank that I was going to bring my loan up-to-date next week, when I receive additional income. Instead of noting such, I immediately got the third degree of can I pay today, why haven't I paid, etc. I got angry for being treated this way for the " nth '' time, and their response was : your car was assigned for repossession ; so we need to get you under a certain number of days past due, etc.
I understand that I'm delinquent, but there's only some much someone should take when a borrower is distressed but trying to be compliant.
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This dispute is for the credit reporting for the end of the loan on a XXXX XXXX XXXX. I traded the vehicle in on XX/XX/XXXX. The car dealership XXXX XXXX resold the vehicle to a new owner XXXX weeks later. I took possession of the new vehicle the day the mustang was traded in on XX/XX/XXXX. Due to the Car dealership taking so long to process the financing paperwork one of the banks backed out of financing and they had to secure additional financing. That was finally completed the third week in XXXX. After it was secured after their delay and by no fault of my own. Payoffs were sent for the trades to the lenders despite the vehicle being resold to a new owner more than a month before they sent payoff. Santander then proceeded to report a 30 day late payment despite payments going through weekly prior to that. I was in contact with Santander the whole time explaining the situation and I was advised that they will hold the account and provided information for the dealership and tracking for the payoff. I reached out to Santander consumer services after they reported a 30 day late to my credit report and was advised by a really rude rep that Santander didn't care what happened. That is terrible considering everything going on with the pandemic and in the world that Santander would be such a predatory lender. This was not my fault and I feel like I should no be penalized for this.
|
| 11/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me.
I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again.
Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer.
Credit/income etc.
I have all credit information showing I fit under the criteria for loan forgiveness
|
| 01/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.
|
| 08/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies.
VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander.
The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies.
Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
|
| 01/14/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
|
| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Hello we had just moved to XXXX at the time of purchase as we were in need of a vehicle to get to work and back. On XXXX XXXX XXXX we we t to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to look for a vehicle to trade our current in for. We found a XXXX XXXX XXXX that we felt safe in and took the step forward. We put {$500.00} down and traded our XXXX in towards the purchase. The loan we got was through Santander Consumer USA and the interest rate was 24.8 % and at this time it was our first purchase of a vehicle ever ... So the interest didnt sound terrible.
Over the first 36 months we were only late by 30 days on 3 payments and paid $ XXXX. After 3 years it seemed our principal had not moved much at all. When we moved to XXXX in XXXX we could not afford the vehicle anymore ... We let it be taken back after daily calls, harassing messages and misleading information being given.
After recently looking into USURY laws for the state we realized that the state maximum for XXXX is 10 %. We have tried working with them but after realization of being overcharged for interest and for each payment having {$300.00} of the {$370.00} go to interest, we feel taken advantage of. This has gone into our credit for a debt of {$13000.00} being owed now, without us knowing what it was sold for at auction. A law suit may be the only other option but we are hoping things can be settled this way.
|
| 08/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
In XX/XX/2016 when I was finalizing the process of purchasing my car I conveyed to the sales representative that the interest rate was high. He said, after a few months to a year or so to go to a credit union to refinance the loan. I attempted to do that and was denied multiple times. One of the credit unions told me I didnt earn enough for a refinance yet it was the same amount ( SSDI ) as when I purchased my car. I purchased the car believing that I would be able to refinance the loan as advised by the car salesman to refinance the loan. When that didnt work I called the loan originator, Santander Consumer USA . I was denied a refinance because they dont refinance their loans. Im now beyond three years into the loan unable to take the misleading advice of the sales rep at XXXX XXXX XXXX and having failed at negotiating the APR with the lender as Ive had no late payments and paid on time. Im issuing this complaint today because both the car dealership and the bank ( XXXX, # XXXX ) gave the same misleading and deceptive advice. I believe this is a deceptive tactic which is misleading consumers into believing they can do something they may t be unable to do if theyre or on a fixed income. These practices are discriminating against the XXXX such as myself and imprisoning these consumers due to their misrepresentation in marketing the loans with deceptive business tactics.
|
| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I requested a payoff of my Chrysler Capital auto lease to purchase the car and received the payoff letter dated XX/XX/XXXX by email. The payoff included the vehicle purchase price, purchase option fee, unpaid vehicle property tax ( {$330.00} ) for XXXX, and miscellaneous fees all of which I agreed with. I sent the total payoff amount paid by cashier check issued by my bank to Chrysler Capital by courier. The payment was posted to my account XX/XX/XXXX. On XX/XX/XXXX I received a demand for unpaid vehicle property taxes of {$380.00} for XXXX. In reviewing my past account statements I found that the company incorrectly allocated my payment of {$690.00} on XX/XX/XXXX to the base lease {$650.00} and sales tax of {$39.00}. The allocation should have been base of {$350.00}, property tax {$300.00}, registration fee {$15.00}, and sales tax of {$21.00}.
My complaint is that Chrysler Capital ( aka Santander Consumer USA ) misapplied my property tax payment in XX/XX/XXXX, collected an additional {$330.00} at the time of pay off, and is overbilling me for {$380.00}. I have told each agent I spoke with that I am in agreement that the {$330.00} was an estimated amount and that all I owe is the difference between the requested amount and the amount included in the payoff amount. My account reflects " past due '' although I paid the full amount in the payoff letter by the stated date.
|
| 01/09/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SANTANDER CONSUMER USA along with XXXX XXXX XXXX have committed fraud and have scammed me out of money. The auto contract that they had me sign was deceptive. They furnished a false and deceptive form to take advantage of me. They took my money in a consumer credit transaction that contains a finance charge, which does not include charges of a type payable in a comparable cash transaction. They then went on to add my cash down payment of {$2000.00} to the grand total it'll cost me for the purchase of credit instead of subtracting that amount they took from me, which was unlawful to begin with. They titled the credit application as " Retail installment contract and security agreement, '' which is furnishing false and deceptive forms. Within the Truth in Lending disclosure they stated that I'll be paying {$460.00} for 72 months, which equate to {$33000.00} but the finance charge is the only charge I should have paid due to it being the sum of all charges pursuant to the Truth In Lending Act, which was {$22000.00}. Furthermore, the finance charge shouldn't be paid in cash because a consumer credit transaction can only contain credit or cash, not both. The use of my credit card ( social security card ) was used to pay the finance charge, which was {$22000.00}. These corporations have violated the Truth In Lending Act and deceived me in the process of purchasing the vehicle.
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I obtained a car loan with Chrysler Capital that was opened in XX/XX/XXXX. I lost my job due to illness and as a result had 5 late payments reported to the bureaus by Chrysler Capital for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After recovering and obtaining another job, I paid consistently, not missing any payments until the loan was completely paid off in XX/XX/XXXX. In XX/XX/XXXX, I sent a goodwill letter to the President of the company asking if the company would consider removing the late payments due to the economic hardship that I experienced and consider that I had paid consistently thereafter. The company replied via phone stating that they would not remove the late payments. I sent another goodwill letter XX/XX/XXXX to see if the company would reconsider since I have now paid the entire loan off ( not missing another payment since the hardship ). The company again stated they will not remove the late payments. This company refused to consider a hardship that a loyal customer was experiencing and were not willing to remedy the situation in any way. As a loyal customer who had their first car loan serviced through this company, this is disheartening and uncompassionate. Maintaining good credit is crucial and especially essential in these times and a brief hardship that many of us experience should not get in the way of that.
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX - the truck that I wanted was at Chrysler but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through Chryslercap. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because Chryslercap had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that Chrysler then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX.
Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019.
When I tried to address this issue with Chrysler no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call Chrysler.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After multiple of disputes no information provided by the company ( Santander Bank ) is matching any of 3 Credit Bureaus .Enclosed is a reply from Santander .
Date account opened : Santander XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XX/XX/XXXX1 XXXX XXXXXX/XX/XXXX # of Month of terms : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : Santander {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!!
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!!
Please examen their own ledger.
Date of Last Payment : Different Dates and even years!!!!
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger.
Last time reported : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX It means Santander have never conducted investigation and have never responded to XXXX and XXXX.
Now its even more understandable why all dates and dollars mismatch.
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that Santander Bank refers to!!!!! How do I even know who this account number belongs to???????
Immediately delete this account from my credit report according to
|
| 05/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.
XXXX XXXX
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This complaint is regarding a delinquent reporting made by Santander Consumer USA. After paying this car loan for over 5 years this company is stating that the final payment on the loan was required at the maturity date there was an amount of {$100.00} that was due. I informed the office that no one sent me a letter stating that the loan was maturing and the payment would have to be made by that date because I would have sacrificed to pay it. As I informed the company we are going through a pandemic and even with the loss of income I have never been late with a payment. This reporting has reduced my credit score between 21 to 32 points amongst all credit bureaus and I contacted them and requested for this reporting to be deleted. The car has been paid off. I have explained that I am trying to financed another car because the current car is very old and is not operational. I have explained that this reporting is affecting me and they have completely ignored all request and are the least bit concerned about the issues. I have never been late with a payment, it was an oversight with the maturity date because this car was purchased over five years ago and Santander has never explained that it had to be resolved by the maturity date or else I could be impacted. Even with the pandemic they have dismissed all request. Im seeking CFPBs help in getting this matter resolved
|
| 12/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX/XXXX/XXXX - letter sent to Lease company - XXXX XXXX - about identity theft - XXXX - XXXX delivered : XXXX/XXXX/XXXX ( attached ) - {$47000.00} XXXX/XXXX/XXXX - Letter received from XXXX XXXX Fraud Department - form needs to be filled XXXX/XXXX/XXXX - letter ( requested form ) sent to Lease company - XXXX XXXX - ( USPS tracking no : XXXX ) - delivered on XXXX/XXXX/XXXX - FTC 's identitytheft.com law enforcement report included - notarized, as requested ( attached ) XXXX/XXXX/XXXX - letter received from Lease company - FTC 's identity theft - FTC 's report is not sufficient, they need a letter from New Jersey Police - that they are investigating the case XXXX/XXXX/XXXX - reported in New Jersey Police Department the Identity Theft, confirmation issued ( attached ) XXXX/XXXX/XXXX - Police statement sent to XXXX XXXX ( attached ). They said that they need detailed investigation report from police and until they receive that I am still responsible for a car lease what I never signed ( I was not even in the country ).
XXXX/XXXX/XXXX - email sent to XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX, XXXX the Attorney General is not authorized to release criminal reports to noncriminal justice agencies.
So basically XXXX XXXX is ruining my credit score ( e.g. XXXX ) as have put a default on my credit profile as they keep requesting a document what is impossible to get.
|
| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Last lease payment was due XX/XX/XXXX. Payment was made XX/XX/XXXX. Chrysler Capital website later noted new payment due XX/XX/XXXX. Payment was made. Confirmed with Chrysler Capital that this was now the last payment due. Chrysler Capital website now notes payment due XX/XX/XXXX and account is past due. Chrysler Capital continues to note that payments are due despite lease ending XX/XX/XXXX. Chrysler Capital has not processed a refund for {$410.00} payment made XX/XX/XXXX. I called XX/XX/XXXX to clarify what was going on. Chrysler Capital agent confirmed that last payment was due XX/XX/XXXX and that is just the way the website works that it defaults to payment requests every month even if nothing is due. I noted that the fact that it shows as past due with a new payment due when actually paid in full is predatory. In addition, Chrysler Capital has held onto the XX/XX/XXXX overpayment after telling me it was due over the phone and noted by the website and seems to have no checks/reviews in place to refund overpayments until a customer calls to complain. On XX/XX/XXXX call, Chrysler Capital agent noted that now that I had complained, a refund would be processed and it would take 60 days subsequent to review of the account. So 90 days they will have held onto a payment they noted was due that actually wasn't before refunding the money. This is a predatory practice.
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1681 says It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Fact, XXXX is aware that SANTANDER CONSUMER USA accessed my consumer report through XXXX on XX/XX/18 and XX/XX/18 without permissible purpose as required by the 15 USC 1681b ( FCRA ).
Fact SANTANDER CONSUMER USA acted negligently and willfully violated federal law, which is evidenced by the deletions of the inquiries.
|
| 06/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.
|
| 05/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court.
The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX.
Your attention is appreciated.
XXXX XXXX
|
| 11/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX
|
| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
In XX/XX/XXXX, my daughter was involved in an auto accident in which the insurance company deemed the vehicle as a total loss. In XX/XX/XXXX, the insurance company submitted a settlement check as well as the extended warranty was canceled and the proceeds were also forwarded to Santander Consumer USA. At the time of the accident, there was a total principal amount due of XXXX. This also does not include any past fees or late charges that are due. After speaking with Santander numerous times in XXXX while navigating thru the insurance claim, it was my understanding that what was received from the claims would apply to principal.
In XXXX XXXX XXXX issued a check in the amount of XXXX to Santander as part of the insurance settlement claim. Also in XXXX, XXXX issued a check in the amount of XXXX from the canceled extended warranty. Total net proceeds was XXXX which would have left a principal balance of XXXX.
In an attempt to negotiate with Santander to close out the loan, the amounts due are not matching up. They are seeking XXXX when one screen says XXXX due with an account balance of XXXX. The company refuses to settle for less based on company policy after their own agents told me over the phone that once it left the insurance department that I could create a settlement agreement on the deficiency balance and now are threatening to charge the balance off.
|
| 08/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
My mom purchased a 2018 XXXX XXXX in XX/XX/2018. In XXXX, she had a XXXX. She suffered many injuries & we do not know if she will ever drive again. She is on SSI & XXXX. I am her POA & I've been trying to make arrangements with XXXX XXXX. I have two options : a voluntary surrender with the bank auctioning off the car, or selling to a 3rd party. The dealership has offered to purchase the vehicle for {$15000.00}. When the service agreement & gap coverage is refunded, she may still owe {$4000.00}. I requested that XXXX XXXX let us sell the car back to the dealership and we will work out a payment arrangement for the balance.
XXXX XXXX has refused this offer and refuses to release the title to the dealership. They insist that we voluntarily surrender the car & my mom will have to pay all the fees associated with the auction. Auctions tend to get less money for a car that a buyback from the dealership. I've talked to someone in the executive office and they would not explain to me why they would release the title in an auction and not in a 3rd party sale. They are refusing to work with me to reduce my mom 's debt. Chrysler also called me at XXXX XXXX after I specifically asked them not to call before XXXX XXXX Mountain time.
When my mom purchased the car, her loan came with a 14.5 % APR. She owes {$23000.00} for a vehicle the dealership values at {$15000.00}.
|
| 08/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.
|
| 06/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
At the end of XX/XX/XXXX , I made payment to Chrysler Capital in the amount of XXXX $ for XX/XX/XXXX XXXX XXXX through a supervisor. A portion was deducted for a processing fee which was greater than XXXX XXXX A hold was placed on the account so that my debit card payments were denied, XXXX XXXX payments were not accepted and pay by phone options were denied to me. On XX/XX/XXXX an agent from the office of the president lifted the restriction stating that it should not have been placed on the account and another payment was made by me in the amount of XXXX $ via XXXX XXXX . On XX/XX/XXXX , my vehicle was scheduled for repossesion. My address has been changed previously without my consent, and I had to c all to have it changed back to the previous address. Telephone numbers have been added and subtracted from my account without my consent. Some of the agents are rude and abrasive, others are amazing ; ( the amazing ones are far and few between ). My biggest concern is the lack of consistency from one agent to the next. The information that I receive differs from agent to ag ent. I have been with this company for the greater portion of 3 years. I do not see where my balance has decreased much at all, but the harrassment has definitely increased. My loan should be completely paid within the next 2 years. I will not repeat business with them.
|
| 09/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
I am writing for my aunt, XXXX XXXX XXXX. She was given a loan from XXXX XXXX back on XXXX/XXXX/2014 for a new XXXX XXXX. She already owned a XXXX vehicle that was approximately 4 years old, which she had paid cash for upon purchase. She continued having it serviced at the dealership in XXXX XXXX, CT. When she went in for a " tune up '' she was told it would cost {$500.00} but if she wanted to get a new vehicle they would void the charge to get her in a new car. My aunt being elderly and possibly has XXXX to some degree was told that he current vehicle was going to start having problems and it was no longer under warrantee and that purchasing a new vehicle would be her best bet.
We are not sure how this purchase was approved as she only had income of {$630.00} from XXXX with no other assets besides her home. At the time of sale she was also convinced to purchase " resist all '' for {$690.00}, which must be a rust guard of some sort. It appears that this elderly woman was part of some predatory lending. Her monthly payment was {$270.00} up until she lost her home and had to relinquish her vehicle since she has no funds to pay for it. Why was this loan granted? Should n't she have needed a co-signer? The monthly payment is almost half of her XXXX, how was this approved? XXXX XXXX is not very kind in this matter. - they also want her to pay a re-stocking fee.
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.
|
| 11/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan.
I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late.
AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices.
Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.
|
| 09/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a 20 year RV loan with Santander Consumer USA. This loan was sold to Santander when the finance company XXXX went out of business. I have now been paying on the loan for 10 years. In XXXX 2016 I decided to start the process of getting the loan paid off early by paying extra on the principle. So I have been sending in an extra payment by mail clearly marked " principle only '', but to my dismay Santander applies each extra payment automatically to interest. If I had not checked online each time none of my extra payments would be credited to principle. Just to note - my loan is paid up a month in advance. As of today, Santander has now corrected the first XXXX extra principle payments but not the third XXXX. Each time I have had to make MULITPLE calls with an " agent '' to get the payment paid to principle. Each time I have asked the " agent '' how to avoid this hassle in the future but do not get a definitive answer.
As of today - I have made multi calls to get my third extra " principle payment '' applied to principle only - I made this payment on the XXXX of XXXX and it has still not been credited to principle only. When I called today it took multi calls to get through to an " Agent '' and the " chat person '' would not answer any questions except to direct me to call the number that I was already using. This is becoming very, very frustrating.
|
| 04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been disputing the Santander Consumer account since XXXX of XXXX with no real proof of validation or debt from XXXX. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX XXXX XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. XXXX seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but XXXX would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks.
Unauthorized inquiries : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report.
On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto.
As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.
|
| 03/18/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Why, if you are reporting the account as paid timely in XXXX XXXX to XXXX XXXX, are you then reporting the account to XXXX and XXXX as paid 30 days late in that same month of XXXX XXXX. Obviously both statements can be true so why are you confirming to the credit bureaus that you have investigated this account and both of those statements are true?
Additionally, you are reporting the account to XXXX XXXX as late for the months of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX and XXXX you have reported these months as paid on time.
Additionally you have reported to XXXX XXXX that the account was paid on time in XXXX of XXXX then the next month in XXXX XXXX it shows as 60 days past due. You claim to have " investigated '' and found this to be accurate. If you can explain this accounting of timely in XXXX then 60 Days late the next month in XXXX, I would love to hear that explanation.
Finally, your correspondence of XXXX XXXX, XXXX indicates that the account was late 3 times 30 days or more. If this is accurate, why did you subsequently verify to the credit bureaus the 60 day late payments in XXXX and XXXX of XXXX?
I am asking for them to remove all negative late payments because they failed to perform a substantive investigation, in fact any type of investigation would have uncovered these discrepancies.
Sincerely, XXXX XXXX
|
| 12/14/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.
|
| 05/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX.
Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card.
I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}.
Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me.
The original letter with this card shows that it is issued by XXXX XXXX XXXX.
I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.
|
| 04/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/XXXX, I received the ONLY call I've ever received from this company saying that they had made multiple attempts to communicate with me regarding a debt. I called back and a lady named XXXX XXXX answered. By using my phone number, she was able to ascertain that I had an account with them for a debt that is in a public record. She basically told me that I owed more than {$10000.00} and could settle for less than {$2000.00}. She told me that if I didn't pay, they would take me to court and have a judge issue a warrant for my arrest. I asked if I could pay the settlement amount over 6 months. She said yes. We arranged for me to pay {$250.00} per month until the total was satisfied. On XX/XX/XXXX, I spoke with a family member who mentioned debt collection scams. This person helped me XXXX phone numbers and names. As expected, the names I was given for contacts were not found. The two phone numbers I have for the company are attached to pages and pages of scams. All the entries from others with the same complaints with the same sort of dialogue and threats. I checked with the XXXX XXXX XXXX. There is not information for LSA other than complaints with the same information. At this time, I can blocked their numbers and changed the credit card number to ensure that I will not contacted or charged again. Someone should shut down this fraudulent company.
|
| 05/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I need of your help in a serious matter involving my credit report. After reviewing my credit, I have realized that Santander consumer USA have been reporting damaging information to my credit report from XXXX in the amount of {$29000.00} on a vehicle that I purchased XX/XX/XXXX with a down payment of {$7500.00} since then Ive been making payments of a {$1000.00} each month for 3 years paying out XXXX and Santander consumer USA saying I still owe them as of XXXX, XXXX XXXX a balance of {$29000.00} Ive called them to understand and try to resolve the problem on how I still owe so much on a car I no longer have after all these years my account still with Santander consumer USA and not a debt collection Ive try to see what I have to do to resolve the high payment to lower the balance or take it off my credit report Santander consumer USA telling me that its no other way until I pay the {$29000.00} in full me telling them I can not afford that amount and them telling me they can not take any payments what so ever and as of XX/XX/XXXX this debt has been closed out and changed off as bad debt profit loss and write off and it still reporting to my credit each month due to a series of hardship and medical problems in my life while I normally make great strides to fulfill my debt management responsibilitie, at the time of the debt I was unfortunately unable to
|
| 01/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
on XX/XX/2020 I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with chrysler capital. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also never gave any material disclosure disclosing that it was an attempt to collect a debt, at the initial communication in this consumer credit transaction which is a violation under 15 usc 1692e. Also, XX/XX/2020 Chrysler Capital issued a statement/ bill in the mail and on the envelope/statement it has their logo, which is also another violation of 15 usc 1692. The statement also shows a positive balance that they say I allegedly owe, which is also a violation of 15 usc 1692. If it is something I owe it should show in a negative balance. The first time they violated 15 usc 1692e ( 2 ) was at the initial communication of the consumer credit transaction, when the retail installment contract show 3 different amount owed : finance charge {$8700.00}, amount financed {$12000.00}, total of payments {$21000.00}. Lastly, the statement/bill should not say it is a attempt to collect a debt which is a violation of 15 usc 1692b. ( 2 ).
|
| 06/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I purchased a used vehicle from XXXX used car dealership in XXXX of XXXX at over {$14000.00} ( extremely high interest rate from their predatory lending ). The car was financed through Santander Consumer USA bank. I made my payments to them from XXXX until XX/XX/XXXX. With 5 more payments due on the loan, I traded the car into XXXX XXXX XXXX on XX/XX/XXXX where they paid off the remaining balance of the car loan. While XXXX was checking my credit report, they realized that my 6 years of payments to Santander wasnt listed on my credit report. Therefore I contacted Santander to see why it wasnt listed, and they claimed it was removed by my bankruptcy lawyer which is untrue because a lawyer doesnt have the authority to do so, only a creditor ( as in Santander ) can do that. My Chapter XXXX debt consolidation bankruptcy was filed in XXXX of XXXX and DID NOT include the car loan with Santander as I was making those payments directly to Santander. After numerous calls over the years of this loan, Santander refused to supply me with any information on my car loan. Today I was able to have them send me my payment history via email so that I can submit this complaint against this horrible and unprofessional company so that they can do the right thing and report my payments to the credit reporting agencies like they should have been doing for the past 6 years.
|
| 03/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.
|
| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a car loan with Santander Consumer USA. I bought a 2017 XXXX XXXX XXXX from XXXX XXXX, XXXX, FL on XX/XX/2017. My payments are XXXX a month and in the 20 months I have been paying on my XXXX dollar loan I am down to XXXX dollars. I normally have around XXXX a month go to my principal. I always pay my loan early so I'm not late and not penalized. I made my XXXX payment which was due on XX/XX/XXXX on XX/XX/XXXX, my XXXX payment was paid on XX/XX/XXXX. Now it wasn't due until XX/XX/XXXX. I got my XXXX bill and I noticed that instead of XXXX going on my principal, only XXXX did and XXXX went to interest! I always pay my payment early so I could not understand why this happened. When I called Santander, I was told that because there was more than 30 days between my payments i was charged interest daily! So I was penalized with extra interest that i can't understand why. There are on average, 30 days in a month. Why have monthly payments if you are charged daily? I don't understand this. If anything I should save on interest for paying it early. So I asked for a payoff balance and it is more than i owe! How is that? My payoff balance is XXXX. I asked to speak to a supervisor and I was on hold forever and then the line was disconnected. This is unfair business practice. There are numerous complaints against this company and I just want what is fair.
|
| 10/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been a customer with Santander since XX/XX/2018. At which time I was not advised of the upside loan agreement and after several months I become disabled and I notified the company multiple times advising of my separation from work, consistent hospital admissions and XXXX. I offered to setup payment arrangements and I continued to have my late payments reported to the credit bureaus and was threatened to have my vehicle repossessed. I'm unable to refinance due to the high interest rate and the balance, although I made payments I was told those payments were applied to the interest and the principle balance. When I was by Covid19 I notified Santander and was advised assistance would be provided and that agreement never took place again attacking and damaging my credit score. I was notified in regards to the lawsuit against Santander and contacted Santander and I was advised that information was in accurate. The Truth and Lending Act clearly shows Santander manipulate low income families and refuse to accept responsibility. I'm in desperate need of help at this time with resolving this issue. I have contacted my Attorney General and as of now they were unable to assist. I was advised to review the website https : XXXX? XXXX In regards to updated information, and at this time I'm unable to make payments which continues to affect my credit score.
|
| 10/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
I am currently looking to purchase a new truck. I am very interested in a XXXX XXXX pickup. So while I was researching XXXX trucks, I applied for an auto loan clicking on the " Apply for Credit '' link from XXXX which lead to Chrysler Capital. On the Chrysler Capital website, words were stated that made me believe that I could get approved for a loan by submitting my information. I have always thought that after an auto financier approved me for a loan they would disclose all of the terms of the loan. After submitting my application, I received a " pre-approval '' of {$58000.00}. However, nowhere on the document did it state the APR or Length of XXXX. I called Chrysler Capital and was told that this was information that the dealer would disclose to me. Why is that??? I applied with Chrysler Capital. I feel that Chrysler Capital and the Dealer are in collusion to charge me an excess amount of interest on my loan, and pressure me into buying undesired financial products. I truly feel that I was taken advantage of here. Chrysler Capital asked me to submit my personal and private information by luring me with their offering of loan approval. But after said loan approval, Chrysler Capital is refusing to fully disclosing the terms of said loan.
I will advise everyone to avoid Chrysler Capital and apply to a full disclosure bank for your auto financing.
|
| 03/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance.
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan.
My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments.
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.
|
| 05/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I paid my XXXX 2016 payment on XXXX/XXXX/16 online to Santander Consumer USA. Santander 's online payment site gave me an error message and said my card was declined. I contacted my bank and they stated my payment went through and the payment was deducted from my account. I called Santander back and they stated to send a banking statement showing where the funds were deducted from my account. I sent the bank statement, and then the accounting dpt. stated the bank statement was not sufficient and that I needed to send the bank statement from XXXX to current date, to ensure that the payment was not later declined. I then sent a statement from XXXX to current date and Santander said that the bank statement alone was not sufficient that they needed a copy on my banks letterhead that stated my XXXX payment went through. My bank sent a copy of my bank statement from XXXX to current date as well as a letter on the bank 's letterhead stating my XXXX payment went through. My bank sent this and the account dept. for Santander still will not credit my XXXX payment. They said that my payment did not go through and the bank gave me my money back. I looked at the statement and my bank did not credit me my money back for the XXXX payment that was made. They credited my account for an additional car payment that was taken out of my account without my permission.
|
| 03/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks.
The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.
|
| 02/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX
The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}.
Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees.
I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees.
According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.
|
| 07/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 ) payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against Santander Consumer located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander Consumer has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have leased two Chrysler vehicles in the last few years a XXXX XXXX XXXX and a XXXX XXXX XXXX.
- On the previous lease ( XXXX XXXX XXXX ) we were overcharged for a tax payment and ended up overpaying Chrysler Capital. I called and spent hours trying to get a mistake created on Chrysler Capital 's end sorted out over the last 18 months.
- Because of a lot of back and forth, as well as misguidance from Chrysler Capital Allegiance Team, my account had a delayed payment on it in the amount of {$110.00}, which Chrysler Capital reported to the credit bureaus even though I did pay it right within 30 days ( we paid it once we had not heard anything back from Chrysler regarding overpayment ).
-After calling and explaining the situation ( as well as our perfect payment history ), Ive been told by Chrysler Capital Allegiance Team multiple times that this delayed payment would be removed by the credit disputes team but have yet to see this reflected on my credit report.
- Last week, I was told previous associates " misspoke '' regarding getting the delayed payment being removed from the credit report and would be further trained and potentially let go Chrysler Capital has not only provided misinformation MULTIPLE times, which resulted in this dispute, but they have not removed this from my credit report as they have told me repeatedly they would.
|
| 01/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a Auto loan with Santander consumer that I pay every month, All of a sudden I have Late fees accrued they claim from 1 late payment XX/XX/XXXX. I called to have this resolved, and it was clearly an out of Country Call center. They emailed me what was inconsistent to what they are explaining to me on the phone. The late fee starts at XXXX and you get charged a XXXX a day. Now flash forward to XX/XX/XXXX and now I owe XXXX with out no notification, I never get statements sent to me and when i logged on, I noticed the XXXX fee, I would of paid the XXXX if i knew about it but they do n't give you anyway to see it till you dig deep. Also My Email address Mysteriously got Changed after speaking with a customer service rep, I could n't reset my password to login and pay and i finally call and they have XXXX not XXXX, It was fine before so I have not received any notifications from these people of payment, Fees, Anything they are Shady. These are Unfair and VERY shady Business Practices. They have about XXXX Consumer Complaints and XXXX pending lawsuit. I feel very insecure paying them XXXX + a XXXX Convenience fee of XXXX every month. This Auto lender NEEDS to be stopped praying on people with poorer Credit. If I am late on a payment, I have no problem paying a late fee, I will not however be victim to these unfair practices by these Thieves.
|
| 02/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX I knew I would be unable to make the payment.
The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative.
At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time.
Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour.
At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days.
I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.
|
| 03/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, Santander charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible.
In retaliation, every six months, Santander reports erroneous late payments to XXXX, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by Santander as delinquent. I saw the change in XXXX XXXX, checked the Santander closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with XXXX, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ).
It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account?
I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted.
The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank.
In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting?
My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
|
| 06/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I had a vehicle financed through Santander Consumer USA from XXXX XXXX . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in XXXX of XXXX . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid XXXX to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.
|
| 03/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.
|
| 02/25/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an auto loan with Santander Consumer USA, and am going on the 8th and 9th year where I am still paying on this loan. In the time, I have been paying this car I did lose my job, found another job but I have upkept with my loan and it has never been repossessed. However, I find that the more I pay, the more I have left to go. I can never be done paying. As I pay the balance increases or stay the same, where all the money goes to miscellaneous fees? I do not know what they mean by miscellaneous fees. I need help investigating. I feel I have paid triple the amount the car is worth in this past 8 years I have been paying and I get run around answers when I ask about miscellaneous or all these extra fees. My mother has a loan with them as well and is on XXXX and her car has been repossessed because she has not been able to keep with all the late fee add up. At one point, XXXX charged {$35.00} a day for late fees. How is she or I ever to catch up? And when her car was repossessed at one point she was asked to pay an extra {$200.00} at the towing place to get her items that was in the car. I just feel XXXX is a thieving company and once they have you in their clutches you can never seem to pay them off. I would like to get an investigation into what they are doing to my mother and I please. I am just really tired and frustrated with XXXX.
|
| 02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 04/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased A car XXXX XXXXXXXX XXXX XXXX from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am requesting my name be removed from a car loan with Chrysler Capital effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from Chrysler Capital. I was under the impression this issue has been resolved since I received a letter from XXXX dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX or XXXX. My credit score based on XXXX XXXX for XX/XX/XXXXis XXXX and XXXX credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed.
The owner of this car is from from XXXX, New York and his girlfriend is from XXXX. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success.
The car dealership where this car was originally purchased has since gone out of business.
|
| 04/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a n Auto loan w ith Santander Consumer USA Inc. Th is is the biggest scam I have ever seen. I did n't have the best credit when I got the car, so I am supposed to have a simple interest loan with a sky rocket rate of XXXX XXXX APR and a monthly payment of { XXXX } due on the XXXX of each month.. My first problem with them wa s after falling into financial trouble, I was able to defer XXXX payments, Not knowing that once I made my next XXXX payments after the deferment, ALL of the money would go to interest. ( Is this even legal? ) Now currently, I am up to date with all of my payments, I made an EARLY payment on XXXX XXXX , 2017 where ( { XXXX } went to the principal, and { XXXX } went to interest. ) Now XXXX XXXX , 2017 , I made a payment and only ( { XXXX } went to the principal and XXXX } to interest. ) How is this even possible? I made my payments early, b ut I am being penalized and more of the money is going to interest. There are also a number of ( misc. fees ) applied to my account as to which they say, those are late fees from prior months or those are fees for this and that. ) This company should be ashamed of what it is doing, not only are they getting a ridiculous amount of money from me every month, plus a ridiculous interest rate, they are also XXXX me over for making payments early.
|
| 11/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor.
They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law.
As per the law I requested that they cease and desist all collection activity including all credit reporting.
I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days.
They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency.
They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Attempted to get into an auto loan for a vehicle on XX/XX/XXXX. Credit score at the time was horrendous, yearly income XXXX gross. Was told that I could be financed ( predator loan ) for the amount of XXXX dollars at XXXX dollars a month, and could refinance for a better rate when my credit score went up. Payments have been going majority toward interest for 12 months, and not principal. Credit score has risen nearly XXXX points in 1 years. Attempts to refinance are not accomplished, negative equity keeps building on the vehicle. Vehicle now worth under XXXX dollars. Was told by banks that unless I dumped money into the vehicle, I would NEVER be able to catch up on equity. Attempted to contact lender on XX/XX/XXXX to negotiate monthly payment. Lender would not negotiate monthly payment. Stuck in a vehicle I should not have been financed for in the first place. As of XX/XX/XXXX amount owed on vehicle is XXXX with a payoff of XXXX with XXXX total paid ( XXXX " late fees '' for distributing monthly payment in half, XXXX in interest alone, and only XXXX towards principal varying from XXXX any given payment ). Monthly Amount is beginning to stress financial situation ( life changes ) and there is zero negotiation or chance of refinance without default of payment, repossession, or bankruptcy ( no actual reason for bankruptcy at the time ).
|
| 06/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it.
Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Santander is reporting inaccurate and incomplete data on my XXXX and XXXX reports.
I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX.
I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX.
I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX credit report as XX/XX/XXXX.
Santander is providing incorrect data on my reports despite several attempts to have it corrected and or deleted.
I also disputed with XXXX XXXX on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. No response to date.
on XX/XX/XXXX I contacted XXXX via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested.
this seems very very shady to meXXXX five companies associated with one account? No wonder the data is inaccurate.
|
| 10/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
To Whom it may concern, 2nd Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. I do not know if that would be considered fraud or error.
In accordance with Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission!
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry.
Best Regards,
|
| 06/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.
|
| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.
|
| 11/20/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I signed a Extension Contract with Santander Consumer USA on XX/XX/XXXX due to the hurricanes in the Carolina in XXXX. In that contract 2 months were moved to the end of my loan and my loan extended till XX/XX/XXXX. In addition my next payment was not due until XX/XX/XXXX.
Company repossessed vehicle 11 days prior to XX/XX/XXXX on XX/XX/XXXX and refuses to return vehicle and reinstate loan or return vehicle.
In addition company breached the contract and no other signed documents have been agreed upon since the XX/XX/XXXX.
Company deceived consumer by information provided by management by changing the agreement and sending out a letter to the consumer ( never received ) stating that the payments waived were for XX/XX/XXXX and XX/XX/XXXX. IN addition this created a Right to Cure letter to benefit the company which the manager stated that needed to be paid by XX/XX/XXXX. That letter per the manager stated the amount due by XX/XX/XXXX was XXXX. That Right to Cure letter was also not received by the consumer.
Lender did steps to the account without signatures or confirmation to agreement on XX/XX/XXXX that benefited their company. They did deceptive trade practices and mislead the consumer. IN addition they illegally repossessed the vehicle on XX/XX/XXXX and provided false and misleading documents to the Repossession company
|
| 05/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!
|
| 03/19/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.
|
| 07/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
|
| 05/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.
|
| 02/18/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check.
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 07/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money.
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?
|
| 05/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I got a car loan in XXXX XXXX . I went to XXXX XXXX XXXX after a divorce and my credit was below average, so they financed me through Santander Consumer USA. Th ey gave me a XXXX dollar loan for a XXXX XXXX XXXX , that was only valued at XXXX . I was in desperate times, especially as a single mother and no longer having healthy credit due to a divorce, so I purchased the car. My XXXX XXXX XXXX percent and a monthly payment of XXXX . I had a 72 month loan. In XXXX XXXX XXXX I was noticing with my loan, that the principal was never being paid off, and that the payoff balanced was still over XXXX . I talked to Santander many times throughout the years and they could not try to refinance me with a better rate or with a lower payment and it was nearly impossible to pay off the loan. with 4 years of paying the loan and technically 1 year to go, I should not have had a principal balance that high. SO in XXXX I went to another car dealership, got a loan and a new car and I called Santander to come and pick up that car, that could not afford to have that car. IT has hit my credit really bad after working so hard to get my credit back up after the divorce. They auctioned off the car and still say I need to pay XXXX . This is an absurd contract and should be against the law to do this to people.
|
| 10/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS.
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school.
On another note Ive always wondered is 25 % apr legal?
PLEASE HELP!
Thanks
|
| 10/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I hold a sub-prime auto loan with Santander Consumer USA ( SCUSA ) initiated in XXXX of 2015. On my statements each month, it shows the principal outstanding but it does not indicate the interest rate being applied against the principal nor the interest rate practices of SCUSA. ( Including the daily interest rate procedure or the calculation of the interest on each month 's statement. ) This information is also not available on their website, myaccount.santanderconsumerusa.com, nor their automated phone system XXXX. The interest charge applied against the principal and added to the loan amount each month is inconsistent with the interest rate indicated on the origination paperwork ( which was filed through a XXXX-party dealer, without representation from SCUSA ). I encourage the CFPB to adjure SCUSA to include interest rates on monthly statements or in the accounts of its borrowers online and to publish information about how it calculates interest charges. Interest rates are a vital component of determining whether I prepay the principal outstanding on the loan ( or address other loans with higher interest rates or more onerous interest charge calculations ) first. Not providing this information makes it significantly more difficult, if not impossible, for me to make a reasonable decision as a consumer of a financial product.
|
| 06/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Chrysler Capital I do not owe this alleged debt as it is being fraudulently reported to the credit bureaus which is a direct violation of federal law 15 U.S.C. 1692b ( 2 ) 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 15 USC 1692e ( 1 ) ( 2ab ) 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
|
| 10/28/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature.
Statements/itemization of monies owed.
Copy of bill showing last default date.
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas.
Proof that you are licensed to collect in my state of residence.
I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.
|
| 04/09/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have explained to the representative for the company that I am aware that I owe this debt and I will be paying $ XXXX monthly to get this debt paid off. I am currently behind so they continue to call me multiple times a day ( generally 4-5 times a day ) Monday - Sunday. They call me while I am at work and I work for a XXXX and I am often in meetings, they call me while I am at church. I have paid this debt down some and I'm currently paying slightly more that the monthly payment to get it paid off. I have asked them not to call me everyday but I was told they could not control that. I was also told they needed the exact day I would send the payment. The exact date will change because I get paid bi-weekly. Our checks are automatically deposited. Recently, I was 2 days late sending it because our financial director had to leave due to a family emergency so I didn't get my pay as scheduled. Therefore, I was 2 days late sending the payment. This is why I prefer to send it monthly. This is a debt from a car that was totaled. I have paid over 12,000 on this debt and owe XXXX. I don't mind if they call me once or twice a month ( if I miss a payment ) but calling me everyday, 4-6 times a day is excessive. I was going to apply for a loan but the past due is on my credit and has hurt my credit so I am trying to pay this as I go.
|
| 03/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XX/XX/XXXX it all started. I am self employed. Because of pandemic work was very slow. Could not afford payments. Santander would only say make payments or we will take vehicle. I investigated Santander and found they lost a lawsuit where they put people in loans knowing they would eventually fall behind. In XXXX I was trying to get a vehicle. My credit was XXXX or below. No one would finance me. Then this company XXXX XXXX loans accepted me. I was only able to go to car XXXX because no other car dealer would except them. After purchase I was my payments it was thru Santander. I tried to volunteer to return vehicle and they refused. Then they repossed. Number XXXX I believe I paid them more then enough for vehicle with ridiculous interest. Number XXXX still believe I fell under the terms of the lawsuit they lost with the XXXX of Florida in which i stated to them repeatedly and they refused to answer. With the prices of used trucks they gave vehicle away. So I state again they should have never given me a loan back in XXXX. The vehicle should have been turned over to me as the terms of the lawsuit as I understand it. And the money they sold the vehicle for should be returned to me and this removed from my credit.NOTE They told me credit had nothing to do with giving me a loan. Every loan I ever heard of is based on credit.
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment.
Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan.
They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount.
I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.
|
| 04/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C ( cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!
|
| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions.
Santander XXXX XXXX XXXX
|
| 01/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I XXXX XXXX and my husband XXXX XXXX have a loan with Santander Consumer that we opened in XX/XX/XXXX and the loan was for {$12000.00}.
Account # XXXX Account Balance {$9800.00} Request Payoff Quote Account Maturity XX/XX/XXXX As of today the loan amount is XXXX. This was a high interest loan. I received information that I was in the multi settlement file with the state attorney general office of Georgia, in XX/XX/XXXX. I have reached out to Santander with no help they have not changed the high fees that they charge even after the Law suit and I am a disable veteran and my husband is not working due to Covid 19. The company simply got a pat on the hand for misleading consumers. On XX/XX/XXXX The executives at Santander stated that I was included in the settlement but would only receive {$200.00}. I am outraged and furious that a company can be found dishonest in it practices but still able to rip off consumers. I am writing you because I need help. I have ask voluntary repossession because i can no longer pay for this any longer. The high interest rates that accumulate is unreasonable. For the last couple of years I thought I was simply crazy until this lawsuit came about. Now I know that I am not. Please help this consumer, by removing this from my credit report and getting rid of the way this company is practicing.
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance.
I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers.
However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.
|
| 08/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Santander has failed to administer the settlement agreement in the case against 34 states for deceptive loan practices. Yesterday, XX/XX/20, they repossessed my vehicle. I am eligible for restitution under the terms of the settlement. Santander 's legal department and administrator, XXXX XXXX, is not telling their customer service agents about this settlement. Therefore the collections department repossessed my vehicle. Daily I received calls and their agents said they are unaware of the settlement. After the agent does a little research they said to contact my state attorney general. I told them I did. Santander is supposed to mail notices to consumers. I called XXXX XXXX and was told they had no database to begin administering the settlement. Santander 's website says the time frame for mailing notices to consumers that are eligible for restitution is not yet known. XXXX XXXX XXXX XXXX I spoke to XXXX whose ID is XXXX. She was rude and asked for the notice that hasn't been mailed yet. XXXX said I need the notice or pay {$3200.00} within the next 9 days to recover my vehicle. I need my vehicle for work, which I just started one week ago. Please respond as soon as possible. Santander is doing the same as before the settlement. They are undermining the work done by the State Attorney General. What are my next steps?
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this.
The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.
|
| 11/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called Santander on XX/XX/XXXX because they had not updated my payment history and balance at the credit bureaus since XX/XX/XXXX. It shows that my last payment was for XXXX, and the balance is {$3000.00}.
I have made a {$1000.00} payment every month since XXXX, which is 2.25 times the regular payment amount. When I called Santander, the balance was {$2900.00}, and the last payment was on XX/XX/XXXX. They told me that they don't handle updating at the credit bureau, and I would have to call the credit bureaus directly. I called the credit bureaus and they said the opposite, that the Creditor is responsible for reporting the information to them. I open up a dispute with the credit bureau and at the time that I open up the dispute my balance was at {$1900.00} because I had made another payment on XX/XX/XXXX. While the dispute was in process, I made another payment of {$1000.00} on XX/XX/XXXX bring my balance to {$990.00}. The credit bureau completed the dispute on XX/XX/XXXX and said that Santander reported that they've updated the balance to {$3000.00}. Santander refuses to do anything and the credit bureaus can't do anything unless Santander reports the correct information. Please make them update my credit reports with XXXX, XXXX, and XXXX. My account is paid through XX/XX/XXXX and my balance is now {$990.00}.
|
| 04/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
In XXXX I purchased a used car that is financed through Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware. In XXXX XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that Santander had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.
|
| 08/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in.
I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have new bills to pay ... I 'm trying to just survive .... When I heavily rely on others now to just even live ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ...
I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job after my ex wife took my kids because she had an affair many years ago .... This company already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Santander Consumer USA at XXXX XXXX XXXX, Forth Worth, TX XXXX or XXXX Hello, I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything from the bureaus XXXX XXXX XXXX XXXX and Santander Consumer USA. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me XXXX Deleted the account. I have mailed several certified letters & signature return receipts, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature starting on XX/XX/XXXX - XX/XX/XXXX. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery confirmation will be Included.
|
| 09/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a car loan with Santander. I was behind on my payments but was able to get everything caught up over the past month. According to my online account I had paid the balance to XXXX. When I got my statement it showed that I owed the regular payment plus XXXX in additional fees that was owed. When I called in today the automated said that my balance was just this month payment and next month payment. When I actually spoke to someone she said that those fees are due even if it shows a XXXX balance and that the amount of fees on my statement is not what she is showing in the system. When I logged online today it shows that my next payment is not due until XX/XX/XXXX when I know my payment is due on XX/XX/XXXX and that my loan is current. I think that this lender is predatory and tries to make you miss or be late on a payment in order to collect fees. I started this loan XX/XX/XXXX with a XXXX balance as of today they are showing that my balance is XXXX according to the payment history ( attached ) and online ( attached ) and one my statement ( attached ) it is XXXX. How can this possibly be? I show a lot of my payments going to interest and zero to the principal. I think someone needs to look into their practice and how they are applying my payments as they are not willing to look at it or see what the issue is.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 04/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
After paying Satander USA for nearly 3.5 years on a contract/agreement that I signed for a XXXX used XXXX XXXX back in XX/XX/XXXX. I thought I was honestly doing something good because at the time I put down {$1000.00} and I had a co signer. But the company took advantage and after nearly 4 years the told me I still owed almost {$12000.00}. The vehicle at the time was {$12000.00}. Keep in mind it had nearly 90,000 miles on it. Since doing a voluntary repo on the vehicle Santander has been reporting inaccurate information to the credit agencies. I havent been able to get the company removed from at least 1 credit agency. They had made it nearly impossible to do anything because for the longest no company would finance me for anything. It seems they had hidden fees that we didnt know anything about. Obviously after signing a 48 month contract with them and having the vehicle for nearly 3.5 years and still owing the original price for the vehicle something is going on. The company should be shot down and anyone with issues should be some type of harassment settlement. They called even after doing the voluntary repo in the vehicle to me and my co signer telling us that they would begin garnishing our wages and making threats to us both. I didnt know the laws at the time and that was after we gave the vehicle back.
|
| 05/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.
|
| 09/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed.
I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '.
We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal.
We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.
|
| 06/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Account Number XXXX Name CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance incorrect this was closed see attached {$17000.00} Last Payment Amount {$0.00} Original Amount {$28000.00} Original Charge-off {$22000.00} Past Due {$17000.00} XXXX no past due im no longer responsible and the age of the closed account is way past its age in my credit report I was removed fraudulently by XXXX XXXX XXXX in XXXX my signature was forged and she did not have my consent and I was never provided with the signed executed copy of the removal, charge off of the account. She is the sole singer and responsible signee for this account since XXXX and I have no access to the account because she refuses to provide the documents needed to show that I am not responsible or listed since XXXX the late payments and payment reporting should also not be reflecting on my report as well please guide and help me with this process as I am being held liable and paying for someone else transgressions and fraudulent actions. I have never had XXXX late payment on any other account and Chrysler capital refuses to review the account because Im not an authorized person on this loan. Please help me get this fixed
|
| 03/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter to Santander Consumer USA requesting proof that all required noticed were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I also requested proof the reprosession was legal and in accordance with UCC 9-56 Effect of errors or omission, 9-611 notification before disposition of collateral, 9-612 timeliness of notification before disposition of collateral, 9-613 contents and form of notification before disposition of collateral I requested copies of the legal notices and proof of the commercially reasonable manner of the notifications and resale of the vehicle. I stated in my letter if proof is not provided within 15 days from receipt of the certified letter Santander must remove the account from my credit report. I verified the letter was received on XX/XX/XXXX to this date I have not received any of the requested documents let alone a reply from santander continues to report this invalid claim on my credit reports and is in violation of the FCDPA and FCRA. I also sent a letter to all three credit bureaus XXXX, XXXX, and XXXX on XX/XX/XXXX advising them Santander is illegally reported on my credit report and I have formally disputed with Santander and have not received a reply. I only received a copy of my credit report.
|
| 04/26/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
On XX/XX/22, I leased a new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA. The agreed upon price including my trade in was a XXXX mo. lease with zero drive off at {$450.00} per month INCLUDING Tax at a rate of 9.5 %. Upon review of the lease contract the following day, I noticed an error in the amount of tax charged and notified the dealer of the error. They told me not to worry that the contract was correct. When I received my statement from Chrysler Capital indicating a monthly payment of {$450.00}, I explained that the dealer had made an error in calculating the tax and that the payment was now more than I agreed upon as well as an amount different than my lease contract indicates. Chrysler Capital explained that they must collect the correct amount of sales tax and can not go back to the dealer to remedy the shortage from their proceeds to arrive at the agreed upon payment of {$450.00} per month including tax.
I feel this is a breach of contract by the dealer to clearly indicate an incorrect amount of tax to show a total payment of {$450.00} to get me to sign knowing that Chrysler Capital will catch the error and charge the consumer the difference without demanding that the dealer correct the contract with the customer. Both the dealer and Chrysler Capital are unwilling to remedy the discrepancy.
|
| 04/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children.
A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ).
XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference.
Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.
|
| 07/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my loan for a XXXX XXXX in XXXX. I am unsure of the exact date I paid off the loan, the loan was through Gateway one lending.
Gateway one informed me that they sent a statement that the loan was paid in full, so that I could obtain the title. I never received this statement. I asked for it a second time, in XXXX. I never received it. Then after I moved to oregon, I asked them to send another copy of this as they clearly weren't sending the proof that my loan was paid in full. I asked them to send it by certified mail, they did not. My change of address form was fully filled out, and all of my other mail has successfully been delivered at my new address, with the exception of information from this one specific lender.
Then Gateway one was purchased by another bank, Santander. I do not have an account with Santander, I am unable to open an account with Santander, and despite attempting to contact them by phone, I am unable to reach a single human to speak with for the past 2 days.
When you navigate their phone service at Santander, it is literally impossible to find the correct combination of options to speak with an actual human body. I highly suggest your organization attempt to navigate their phone tree, this will be highly educational : Their title line is XXXX and their main line is XXXX
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX just over 6 years ago. I made 72 payments on time and then, in XXXX last year I traded the vehicle in at XXXX XXXX Florida. Subsequently, I received notice in XX/XX/XXXX that Santander USA filed a 30 late notice on my account. I spoke with the Director of Finance at XXXX and he provided me a letter on their letterhead that due to Covid 19 they had a shortage of staff and thus the final payment was delayed. So after 72 months ( 6 years of on-time payments ), the dealership admits wrongdoing in a document signed by the Director of Finance. I also had my attorney provide a letter that stated that once I conveyed the vehicle to the dealership that I was no longer responsible for the vehicle. Thus, after providing these documents personally to Santander and XXXX, and then after hiring XXXX XXXX to submit our case, Santander has yet to remove the 30 day late. I'm an iXXXX and my credit is imperative. My next step is to file a law suit against Santander and I may be able to pursue damages. Santander is liable and they have a duty to acknowledge the auto dealerships admission of providing the late payment. If you can't get this done please obtain the contact name and address for service of process regarding this matter. I can provide the documents if you need them. Thank You, XXXX XXXX
|
| 05/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me
|
| 08/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.
|
| 05/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out a loan with Santander USA on XXXX/XXXX/XXXX. I bought a XXXX Nissan Sentra through XXXX in XXXX TN. Since the very beginning of this loan, they have constantly stated the note is always past due. See my photo of the due date of my first payment ( XXXX XXXX, XXXX ). I was informed that I would never catch up because since my first payment was 45 days past the purchase date, I was already being charged over {$670.00} in finance charges. This is a total scam. Nothing they ever say makes any sense. I have made extra payments, made extra bulk payments and been harrassed about the car being repossessed. My rate is 24.99 %. When I bought the car, I was told I could refinance the vehicle in six months after on time payments. That was a lie. Santander does not refinance anything. I have paid close to {$30000.00} for this car that currently has a book value of {$4500.00} and I still owe over {$16000.00} on this car. Every month, they charge me a late fee but my payment is not late. Every month they also charge me an over a thousand dollars in late fees and interest. This is a simple interest loan which I did not know nor understand what that was and was never explained to me. I still do n't really understand how this XXXX XXXX company can legally charge me triple interest and late fees every single month.
|
| 03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Initially when the loan was taken out in XXXX, the loan was not set up for a period of over 2 months. When the bank was contacted it was the loan was not due and the was no monies owed. When the payment was sent in XXXX of XXXX, it started off in arrears as their were 2 payments due.
Trying to work out the payments to get his paid up, in XXXX of XXXX, the bank stated the amount would be rolled into the end of the loan. This was not correct as interest was continually charged.
Moving forward to XXXX of XXXX, a payment was made on the vehicle on XX/XX/XXXX and then the vehicle was repossessed for non-payment. The bank stated the payment had not been kept. The vehicle was then repossessed on XX/XX/XXXX.
The vehicle was set to be auctioned for on XX/XX/XXXX, if the funds were not paid by this date. When calling to get the amount due the total amount was given in the amount of XXXX that was supposed to include all fees. When a bill was sent on XX/XX/XXXX there was a total of XXXX that was now due. The reasoning given was the monies were applied incorrectly and if applied correctly would put the car back in repossession status. I do not feel that the fees should have been assessed over a month later and in XXXX after being told on the XXXX of XXXX that the vehicle was current and no extra fees were due.
|
| 10/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.
|
| 06/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reported to the XXXX about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.
|
| 04/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I seen a vehicle I wanted on the website of XXXX of XXXX. I viewed the vehicle and processed the finance papers online. I was contacted by them and advised that I had been preapproved for a loan in the amount of XXXX dollars. I scheduled a appointment to come in. After driving over 250 miles from XXXX NY to XXXX XXXX NY to the dealership I thought I was going to sign some paperwork and get my vehicle. To my surprise upon arrival i was advised by the salesman XXXX XXXX that I needed to fill out a application for financing. I advised him of my preapproval and showed them my conformational email they sent me. He said if I wanted the vehicle I would have to fill out the application. I did so asked after they did the second credit check and having me sign the papers to trade in my vehicle they then brought me out a contract the that doubled the price of the XXXX truck I was trying to purchase. I did get the new truck but I left there feeling very upset. They not only changed the original loan agreement I was preapproved for they waited until I signed the papers to trade in my vehicle and to do this. Then when I advised them I didn't want the vehicle I was told by the salesman XXXX that it would appear on my credit as a repo. I felt pressured to keep this truck although i am very unhappy with their practices.
|
| 11/25/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX
|
| 12/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On today, XX/XX/XXXX, I, XXXX XXXX XXXX received a notice dated XX/XX/XXXX from Santander Consumer USA , Inc. The drafted correspondence is not a mutual agreement that XXXX XXXX XXXX and Santander USA have. The letter suggests that Santander Consumer USA , Inc. has the vehicle XXXX XXXX XXXX reported as lost or stolen in their possession. Given that the events that caused XXXX XXXX XXXX to report the vehicle ( XXXX XXXX XXXX XXXX ) as lost or stolen occurred on XX/XX/XXXX and this correspondence is drafted as XX/XX/XXXX, it can be ascertained that by the many miles away Texas is from Virginia that Santander does not have this vehicle in their possession as suggested.
This correspondence further goes on to say that Santander Consumer USA may take action against me if they do not get the money they are requesting from a sale. All statements in this Santander Consumer USA XX/XX/XXXX correspondence violates any and all agreements XXXX XXXX XXXX has with XXXX XXXX, XXXX XXXX XXXX, and XXXX ( Power of Attorney ). Therefore, XXXX XXXX XXXX is prohibiting XXXX XXXX XXXX or any other affiliates from aiding Santander or their affiliates whom they are indicating that they may have to pay by providing a key, tag ( s ), title, or otherwise because it violates the agreement ( s ) XXXX XXXX XXXX has with XXXX XXXX.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I moved from XXXX to XXXX XXXX in late XXXX. Once my residence was established and I received direction from the XXXX on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.
|
| 08/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Auto loan contracts require one to maintain comprehensive and collision physical damage insurance on behalf of the lender throughout the term of the loan. I already had insurance coverage and a shop where repairs could be handled if necessary. Therefore, this additional coverage was neither necessary nor required. However, Santander through its third party representative, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) placed XXXX XXXX XXXX insurance on the vehicle in 2013, and I was not made aware of the charge at the time. The additional charges financially harmed me totaling {$2500.00} dollars which was never refunded. I contacted the company and requested cancellation which was approved and was informed that Santander Consumer USA would be responsible for refunding the dollar amount applied to the loan within 8-10 weeks. ( See attached letter ). However, as of this date, I never received anything and it resulted in a high loan payment. Subsequently, I contacted the company and requested that they come and pick the vehicle up and advise me of the date of their arrival. Santander is reporting that the amount was charged off with an incorrect amount in which they doubled to make it show up on my credit report as thou I owe them {$5100.00}. Santander never refunded the {$2500.00} illegally added to the account.
|
| 10/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX, I purchase a XXXX XXXX XXXX - financing through XXXX XXXX XXXX XXXX.
In XX/XX/XXXX, that loan was sold to Santander Consumer USA.
XX/XX/XXXX, the XXXX 's engine timing chain slipped and destroyed the engine. The vehicle was towed to XXXX XXXX in XXXX, Indiana. The cost of the repair was going to be well over the remaining loan and did not have the funds to proceed further.
Upon contacting Santander, I was told that the best course of action would be to sign the vehicle over as a voluntary repossession. With Indiana having being a non-deficiency state ( under {$4000.00} ) I would not be held liable for the difference of selling the vehicle. I was a year from paying the vehicle off with a remaining balance of approx. {$2300.00}. They sent paperwork to XXXX XXXX which I signed to release vehicle and financial obligations, however never received any copies or had any further communication with Santander. I was not even given notice as to what the vehicle did sell for. However through review of updated credit report it was identified that the loan was sold ultimately to XXXX XXXX XXXX , XXXX which has already been disputed and removed for report ( Case number : XXXX ) Now in reviewing the XXXX report ; new activity was started on XX/XX/XXXX, fours years after this was said to be settled.
|
| 07/24/2015 |
Yes |
|
|
|
Web |
|
|
On XXXX XXXX, 2015 I submitted a payment request from XXXX XXXX XXXX bill pay services to pay the amount of {$84.00} to Santander Consumer USA in regards to my XXXX Credit Card account. The payment was to be paid on XXXX XXXX, 2015 which is approximately two days before my scheduled payment due date of XXXX/XXXX/2015. I sent the payment for the XXXX so I would not fall 30 days behind. The payment was delivered by XXXX XXXX XXXX via electronic check on XXXX XXXX, 2015 with a confirmation number of # XXXX. The payment was not credit to my account until XXXX XXXX, 2015 by Santander. I received a 30 day late notice on my credit report in regards to this payment. When I contacted Santander they stated that the payment was not received until the XXXX, but quickly changed there statement when I provided documentation from XXXX XXXX XXXX confirming the payment. A copy of my documents was provided as requested so the corrections can be made to my credit report. I was instructed contact Santander on XXXX/XXXX/2015 to confirm that the changes have been made. On XXXX/XXXX/2015 Santander stated that they are not going to change the report because it was not there fault that they credited the account on XXXX/XXXX/2015 instead on XXXX/XXXX/2015. They stated that the information was not enough to support my request.
|
| 10/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION TO SANTANDER CONSUMER USA. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name SANTANDER CONSUMER USA being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company CREDIT SANTANDER CONSUMER USA as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Chrysler Capital is still reporting erroneously on my credit file. They have removed a few lattes but I need them all to be removed. These late 's were their fault. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the late 's reported. I called back XXXX to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the late 's. The late 's are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the late 's. I was not late, the company promised to remove the late 's and I need them removed. This is taking too much of my time, money, and energy to get sorted out though it is THEIR FAULT. I need these late 's removed. I did everything right on my end and they messed up but not having me sign the contract. I have tried numerous times to get the late 's removed but they will not although they said they would.
|
| 05/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I purchased a car with XXXX in XXXX and Santander Consumer USA financed it. I didn't know the interest rate was 18 % but since day one most of my payments have gone towards interest instead of principle. On my credit report they have 80 payments at {$490.00}, on my paperwork from them it's a 6 year loan. There is no way I would sign to pay {$40000.00} for a {$20000.00} car. My paperwork states 72 payments and I have made double payments whereas they overcharged in interest and miscellaneous fees. The finance charge was {$14000.00} and after reviewing my payments I have paid above and beyond that. I have never been late and I even doubled payments. I really need this matter investigated because I am joining the class action lawsuit against this company and will also file a complaint with the Federal Trade Commission. After paying on this car a XXXX XXXX XXXX XXXX XXXX they still say I owe {$12000.00}, how is this even possible, so for the last 5 years paying {$490.00} even doubling payments, that's called robbing a person of there Freedom. I wouldn't recommend this finance company to anyone, its a shame how they are making a person pay double the amount for a car. Please help me, because I asked a XXXX XXXX where my niece works and they advised me there is no way I owe the amount they are stating.
|
| 10/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT.
They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.
|
| 04/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
As a federally protected CONSUMER I requested an extension of my credit from XXXX for family and household purposes and they processed the transaction with Santander. Santander fraudulently required me to put a downpayment to receive my extension of credit. Not only did they do that, but when I found a car for less money, they raised the down payment amount to {$21000.00} making the terms of the credit transaction impossible for me to move forward with. Santander is in violation of TILA. Santander has unauthorized use ( XXXX5 usc 1602 ( p ) ) of my credit card in which they received my number but of no benefit to me. It has only harmed my chances of bringing home the car. I am fully prepared to exercise my right to remedy under TILA and will avoid going through the normal channels, but to the trustee indenture, then court. This is not a full reflection of violations against me and actual damages have been experienced by not being able to bring home a new car. 15 U.S.C. 1602 - ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
|
| 12/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I bought a car new in XX/XX/2012 using XXXX XXXX as the lender. A few months later, I received an offer from Santander to do a cash out refinance on the car. What I was not told clearly was how high the LTV would really be on this car after the refinance and my term would be re-extended. Furthermore, I have paid them over {$36000.00} on a {$19000.00} loan for the past five years and I still owe {$8600.00} and am current. This is a XXXX XXXX that has XXXX miles on it and a fatal recall due to oil assumption ( my car doesn't qualify for recall fix due to miles on it ) and now my engine is gone. The book value is {$1000.00} and the care is useless and I can't even finance another car till I pay of this {$8600.00}. This was a predatory loan given to someone who could never really have afforded this and did not understand the terms that were given. They should not allow high LTV 's and cash out refinances on cars that were only recently purchased with no money down. The LTV on this loan was over 125 % at the time. I had no idea what that meant. This should be against the law. I did speak with the office of the president about it awhile back and he tried to give me a modification to extend the loan again with no real lower interest rate. Unreal! I am going to try to scrape up the money for an attorney.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.
|
| 09/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA.
Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months.
If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
XXXX XXXX XXXX esq
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I purchased the car XX/XX/XXXX and at the time of purchase was sold a XXXX XXXX lease vehicle protection plan for {$1200.00}. The dealer said that this would cover all wear and tear on the car including window repair, nicks, door dings and tire replacement. My last service was XX/XX/XXXX and I was told that a tire needed to be replaced as it was not repairable and they wanted to charge me for a new one and made no effort to contact XXXX, I declined. I turned my car back in to the dealership XX/XX/XXXX after paying my final lease payment. I spoke with multiple members of the XXXX XXXX " XXXX '' team in the weeks leading up to surrendering the vehicle. On every occasion I asked if I needed to get the tires replaced and was advised that I did not they were covered by the XXXX protection plan. The car was XXXX below miles, had no dings, scratches or wear and tear. I received my " final '' bill for the disposition fee of {$390.00} which I promptly paid. Now a month later they are calling multiple times a week during my work hours saying that I owe for a tire repair for a bill I never received and for a service that the dealer, the allegiance team and XXXX all told me was covered multiple times before I surrendered the car. They have not stopped harassing me and have cost me several hours of time.
|
| 02/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018, asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.
|
| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
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.
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?
|
| 04/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Santander Consumer USA loan account was opened prior to date they are reporting XX/XX/XXXX. The vehicle was an voluntary reposession. I tried dispute the loan after talking to them they then updated the account in order to keep in on my credit file for another year. Now showing XX/XX/XXXX. Originally it was scheduled to be removed XXXX of XXXX this month this year. My wife and I are disable to to an automobile accident in which an semi truck ran us over on XXXX XXXX XXXX of XXXX. Due to legal obligations having to sue trucking company we were no longer able to pay car payments. I called and asked for an voluntary reposession of the vehicle. In it has been I've 7 years and Santander is still reporting on my credit file which is influencing my credit file. I have had 7 loans since this occasion and all are paid in full at this time. I am desperately needing Santanders negative credit removed from my file. My wife and are are still disabled on XXXX due to the motor vehicle accident and we ask them to co-op with us to remove this item however they updated it this year and changed origin start date on the loan so it would show for an additional year. We are struggling to maintain our utilities and raising our granddaughter at this time. I ask that they please remove this item from my credit file.
|
| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
In the Fall of 2016 my car was repossessed due to late payments on my behalf from a friend 's house that I was staying at. At the time I was not able to afford the high interest on the car and the high payment of {$490.00}. I decided to let the car go and proceeded to get my belongings out of the vehicle. Upon arriving on the place where my car was secretly held, ( they did not let me know the location of the car until the day of collecting my items ), I noticed that some of the items in my car were missing from the vehicle. I asked the place who repossessed the car where these items were and I also asked XXXX XXXX but they both gave me no answer. Years later I have found myself financially stable so I gave them a call about possibly doing an arrangement for a pay for delete. They told me that it would not be removed from my credit until I paid the {$11000.00} in full within 24 months or I paid half of the amount off in one lump sum payment. I asked could I start to making payments on it, and he said I could but it would not be removed from my credit nor would the balance move until it would be paid in full. I was never sent any information of the car being sold nor the amount that they said I had left to pay. I called again today and they had the wrong address on file. The account # is XXXX
|
| 02/09/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I had purchased a car from XXXX XXXX ( XXXX, OH ) in late XXXX and was provided a loan with Santander Consumer XXXX. The salesman 's name is XXXX XXXX. The car blew its engine 45 days later and XXXX XXXX refused to pay for the repair. It cost me {$2500.00} to repair the engine.
I continued with the loan and had to defer the loan for 2-3 months due to job loss / unemployment. From this point, as I tried catch up on my loan, Santander counted the payments towards the interest accrued and did not reduce the principal. this persisted for a few months and I eventually told them to pick up the car and I am unable to make the payments. They sold the car, unknown price to me and have me owing $ XXXX remaining balance. All in all, the XXXX - 4 Yrs. of payments never reduced my principal. They do n't provide any documentation and had accelerated harassing calls.
This company does unethical business and offers predatory loans where the principal is never reduced, initiate collections / repossession efforts and stiff the customer with unknown amounts of money and do n't provide the reasoning on how they arrived at the loan.
In the end, I am stuck with a XXXX XXXX responsible for the Income to be filed in XXXX with the XXXX. I do n't think this is very fair and Santander should be held accountable.
|
| 02/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer. My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.
|
| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I've requested validation of documents bearing my signature on " XX/XX/2019 & XX/XX/2019 ''. I have not received my request as of yet. It's well passed the 30 days of the initial request.
This is in response to your recent claim which you claim I have an {$0.00} charge-off Reporting as negative.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
|
| 09/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.
|
| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American, Servicemember |
|
We purchased a vehicle from XXXX XXXX XXXX, XXXX VA in XX/XX/XXXX, financing it thru Chrysler Capitol. In XX/XX/XXXX we refinanced it thru XXXX XXXX XXXX XXXX, and so the loan was paid off at that time with Chrysler. On XX/XX/XXXX, I accidentally, thru my bill pay feature at XXXX, sent {$450.00} payment to Chrysler Capitol. By that time, I had no account, owed them nothing. After realizing my mistake, I called their customer service number, and was told it could take 30 days to receive my money back. After 30 days I called and they said it could be 45 days, after that, 60 days. Then they said it was " under review, could be 90 days, the check would be mailed by Friday, and the check was in the mail, etc etc. '' I have called multiple times, always told a different story, passed around to managers and supervisors, and now we are at the point that when we call, we are put on hold and no one returns to the phone.My husband and I have talked to everyone that they will let us talk to at Chrysler Capitol, spend hours and hours on hold, being transfered to various people, and no one will help us. We have financed 2 vehicles with Chrysler Capitol were good customers, never late or defaulted on any payments, this was just a mistake on my part. Why would they not return that money? Please help us.
|
| 07/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX
|
| 12/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Santander Consumer USA Inc has not only put me a predatory loan that was subprime but has failed to respond to a letter of demand requesting my " Internal score '' that allowed them to give me a loan at over 20 % interest and after 2 years of paying this it has actually gone up somehow. This company was sued by XXXX attorney generals and settled out of court as being the largest subprime auto loan company ever. I did my research and sent a LOD ( Letter of Demand ) with 30 days to respond and they completely disregarded me even though I stated that I will consider it a silent admission of guilt if they do not respond, and if they repossess the vehicle I will sue them for damages. Instead of responding with any information at all, they sent me a repossession letter and a bill saying I owe them {$1400.00} when they XXXX me over in the first place with this loan. Please help me to get them to do the right thing! They have not answered calls or letters about this issue and now are going to attempt to take my car. This company is unprofessional, unfair, and downright abusive. Threatening me when they know they were in the wrong and then treating me like XXXX in the process, I will make sure to let others know how deceptive and fraudulent this company is toward customers that are unsuspecting.
|
| 10/22/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.
|
| 08/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander consumers are the worst finance company ever. They towed my vehicle today for delinquent payments since XX/XX/XXXX. Mind you, it 's XX/XX/XXXX. I first purchase my vehicle from them in XX/XX/XXXX, the loan was {$25000.00} with monthly payments of {$570.00} a month and the balance is still XXXX. All my payments went to interest and {$0.00} went to the principal. Also, was charged {$10.00} for extra fees every month. I wrote 5 certified letters to Santander request my singed agreement terms. However, no response, called and was on hold forever and was given the run around. Never a straight forward wander. Then on top of that they reported on my credit stating I have n't been making my parents.
This morning I got a call from my cousin, stating someone called him to tell him my car is being towed and to come get my stuff out of it. That was when I found out my car was being towed for delinquent payment because I have n't paid since XX/XX/XXXX I was so confused when I paid it on the XX/XX/XXXX. When I called satander, they stated I had a late payment in XXXX and that late payment accumulated to {$2000.00} then on top of that I have to pay for the repossess payment which was {$3500.00}. This company is ridiculous. Someone has to do something about this company ripping people off.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American |
|
XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!
|
| 12/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.
|
| 10/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My husband and I purchased a used XXXX XXXX XXXX in XX/XX/XXXX after we purchased it we started having a lot of issues with the vehicle in XXXX or XX/XX/XXXX I had pulled the car warrenty for towing I had noticed tbe milage was incorrect so I pulled all the paperwork and when we purchased the vehicle it had almost XXXX miles which I can prove on XX/XX/XXXX we took the car to get an oil change and looked at during that time the milage was recorded at just over XXXX miles on the warranty paperwork the dealership had XXXX and on gap and the contract they had XXXX so we lost over XXXX miles on our warrenty and lost on gap due to the depreciation value of the car, i informed the bank and was told by santander consumer usa that had they known the car had almost XXXX miles that wouldn't have financed it due to lemon laws and the car not being worth the value it was financed for. I did send the documents over to the Arizona Attorney General the dealership knowingly committed fraud to get a loan on a car they could not otherwise sell and get financing for if they did this to us who's to say they haven't done it before. The car company is Az car sales in XXXX az. I would like a full investigation and would like them to pay off our loan that they illegally obtained in order to sell this vehicle.
|
| 09/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle.
The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''.
However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....
|
| 01/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX Santander Consumer USA sent me a response letter through the CFPB stating my account was under a cease and desist.
On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession.
Regardless of payments received monthly and never 30 days past due.
The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward.
Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX.
15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time.
Santander is in violation of a cease and desist order.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.
|
| 10/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I opened with Santander consumer USA on XX/XX/2013 it was 60-month loan at a very high rate and as time went along I was making monthly payments of XXXX and at times I may have fallen behind and the late fees were insane avg XXXX a month and having to pay the charges I was never able to get caught up I don't know how to get a record of how much I paid but just in the 60 months besides the monthly payments of XXXX x 60 equals XXXX and I would say another XXXX in overcharges now at the end they said I had a balance of XXXX approx and made me finance again for a 24 months because all the late charges and penalties I never got credit to the principal I just feel have been taken advantage of so for a XXXX approx loan I which I already paid XXXX now they want XXXX more with interest that XXXX dollars and I know im getting ripped off I wish I knew how to get a records of exactly how much I paid every time I called to complain I would get some slick willy giving me some crazy equation to justify why I hadto pay some crazy late charge I need your help hopefully erase what they say i owe bec ause I way over paid and show on my credit as paid off and not late only reason showed late because I was just paying late fees now its harming my credit and its not fair to always say they are gon na repo
|
| 12/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer USA financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.
|
| 05/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State.
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.
|
| 03/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Gateway One lending and finance decided to sell out to santender financial.
I have a loan for a car with Gateway One lending and finance. I found out through a 3rd party that my loan had gotten sold on XX/XX/XXXX. In the email that I had received ; my credit report improved but I found it inappropriate that I found from a 3rd party on the sale of gateway. After getting an email from santendar, I immediately called them on XX/XX/XXXX. In that phone call, I asked the questions regarding when the sale was started with negotiations, when both corporations knew about the sale and declined to advise clients about this sale until getting information from a 3rd party. In the call, they informed me that the sale was final on XX/XX/XXXX. They mailed out a letter on XXXX apparently ; I find that unacceptable and Gateway One or Santendar should have sent a letter or a call or email immediately about this action.
Now, I have to develop a new web account and continue to pay on a car that Ive been paying on for a year and a half. I have a year left on my car.
I think there should be fines or penalties associated with the action by gateway sale as many people according to Santander have been upset about this. They knew this was coming and did nothing. Its unacceptable that this has happened!
|
| 03/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Chrysler capital finance company whom I have a new XXXX dodge Journey financed with and was bought at XXXX dodge dealership in XXXX Tx calls me monthly before my payment is due, using foul language saying that I am two payments behind and demanding their money. I got a recent e-mail from Chrysler capital finance Demanding back payments for a XXXX Dodge Ram 1500 Quad cab pickup that Was paid off in full six months ago and again using foul XXXX letter words and threats. They have cussed my wife and have done so with my self. I am going to call them and tell them that due to their actions that I am NOT going to take their abuse any longer and that they are to pick up the car because I do not want to deal with their abuse and unethical practices any more. I know that it will wreck my credit and that I will have lost as far as my down payment & the gap insurance of {$700.00} that I purchased also but I have had it with them. The Dodge Journey was purchased new, I have XXXX miles on it is all. I have sense talked to other Chrysler capital Finance customers who have said that they too are treated in the same horrible manner and further, that no matter what a credit rating is that they finance, whether or not the buyer can pay for they finance the vehicles and charge extreme finance rates.
|
| 03/26/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a XXXX XXXX XXXX XXXX. At the end of the lease I decided to purchase the vehicle. I called Chrysler Capitol to find out how they wanted it handled. I was instructed to send a check. I asked if they needed a cashiers check, and was told no that was not necessary. They sent me a letter with the same instructions.
I mailed a check ( thru UPS ) that was accepted XX/XX/XXXX at XXXX XXXX.
My check was cashed on the same day XX/XX/XXXX.
Chrysler Capitol is now telling me that they take 21 days to process. Then they mail it back. I asked if I could get it any faster, they said if I had a XXXX account number they could use that and it wood speed things up. I said I had a XXXX number, to which they replied they only use XXXX. Even if I had a number, it would still take 21 days before they could send it.
I was also told that it took that long to get Chrysler Capitol off of the title. I did let them know that I live in California, and it is all electronic now. Chrysler Credit was aware of that, however they seem to have needed some kind of paper trail.
So as of now, I sent a check for {$27000.00}, and they keep my money for a month before I can legally get my title. I have read my lease agreement, and all of the correspondence with Chrysler Capitol and this is stated nowhere.
|
| 05/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My name is XXXX XXXX, I am writing to complain about Santander Consumer USA ( auto loan lender ) .I was late on my car note from XX/XX/XXXX to XX/XX/XXXX, so I have eleven late payments in total that reflect on my credit report. At the time I had lost my full time job and I had to depend on other people to help which was not a consistent thing. By the time I was able to make one payment, I was already behind the next and the late fees kept building up & it went on that way for months. I was struggling to support me and my daughter to keep the lights on, so I had to prioritize what was needed first. I am back on my feet and I'm very stable with my finances, but these late payments are prohibiting me from obtaining a home for me and my daughter. I wrote Santander Consumer USA a few goodwill letters asking to please remove some of these late payments and I'm assuming I'm either being ignored or denied because I've yet to receive any correspondence from them. I sent a letter in XX/XX/XXXX and XX/XX/XXXX, I don't have the letters to attach because they were hand written.I feel like Im at a dead end with this situation, and I'm not sure what I can do next. I am hoping that someone from the Consumer Financial Protection Bureau can please help and assist me with this matter.
Thank you.
|
| 08/10/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.
|
| 03/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.
|
| 06/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
07 XXXX XXXX XXXX Purchased : XX/XX/XXXX Financed : {$15000.00} Original lender : XXXX XXXX XXXX XXXX ( XXXX ) Int. Rate : 24.99 % Term : 72 months Pmt : {$430.00} Military orders sent in & applied to the account in XX/XX/XXXX.
Int. reduced to 6 % & pmts dropped to {$280.00}.
-- -Loan sold to Santander around XX/XX/XXXX.
*closing balance with XXXX was {$13000.00} *1st statement from Santander showed the balance was {$14000.00}.
-- orders were only valid for one year. XXXX nor Santander ever adjusted the loan int/pmt back to the original amount.
This loan was supposed to pay off in XX/XX/XXXX. Balance was still showing on the statements as {$13000.00}. When requested about it in writing, Santander sent over a " loan revision '' to reduce the balance and pmts, stretching the contract another 2 years ... paying a total of 4 years past the maturity date.
Loan revision matured XX/XX/XXXX. I wrote them again in XX/XX/XXXX, demanding my title and a refund of what I've overpaid them ( at that time, I had overpaid according to the " loan revision '' by {$1900.00} ). They responded by still demanding payments, and attempting to repo 4 times. Since XX/XX/XXXX, there have been an additional {$2100.00} in payments, bringing the total overpayment to {$4100.00} ( since the revision ).
|
| 09/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Delete Late payments from Santander from XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHRYSLERCAPITAL XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
|
| 01/31/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX Santander opened my closed/written off debt account that had a $XXXX balance since XX/XX/XXXX and changed my terms from 72mos to 81mos and changed my balance from $XXXX to $XXXX. I disputed with bureaus as fraud. Bureaus allowed Santander to add that amount. On XX/XX/XXXX Santander, once again, opened my closed/written off debt again, and changed my $XXXX balance to $XXXX and also reported me as late/missing a payment which dropped my score 41pts and changed my 100% payment history to 98%. I disputed with the bureaus again. My balance changing twice within eight months on a closed/written off account. I also phoned Santander and was given two totally different amounts owed. Once I read my credit reports to them, I was met with hostility and told, the debt isn't going away whether I like it or not. I asked to speak to a supervisor. XXXX XXXX got on the line. He stated the only balance he saw was for $XXXX as of XX/XX/XXXX. I reiterated the events of XX/XX/XXXX and current day. He stated that he isn't aware of the company being allowed to open a closed debt and tack on monies and change the debts terms. I was told by him that he'd get to the bottom of it and call me back. 12days...XX/XX/XXXX later, I've yet to hear from him. My credit reports have not been fixed.
|
| 05/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
In XX/XX/XXXX , I was approved for a Car Loan wi th Santander Bank. Started making the payments and received statements copies on my mailing address every month. Payments were set up as Auto Pay so the loan was paid automatically from my checking account on the XXXX of every month. This loan was open and in good standing for 1 year and 4 months, no late payments at all. Santander has n't report any of my payments and account closed to all credit bureau and this is affecting my credit as I tried to refinance my card with another bank and they were not able to find this information to give me a better APR. I 've been contacting Santander since XX/XX/XXXX for this information to be added to the credit report and they promise to do so. The excuse they gave me every time I followed up on this was that my last name was too long. I explained to them that I have business, loans and credit card with a tota l of 7 banks a nd they all report to my credit bureau with the same long last name. Today, XX/XX/XXXX they still do n't report anything and the last time I called which was 3 days ago, they told me that they can not report this information anymore because the account has been closed for over 60 days. I made a total of 7 calls to get this corrected and never happened.
|
| 12/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
|
| 05/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Yes. My complaint is with Santander Consumer usa. Its an auto loan account that originated at {$18000.00}. The term of the loan was 72 months @ $ XXXX@ 23.16 %. The loan begin in XX/XX/XXXX. We are in now in XXXX. i have been paying on this loan for over 75 months and i still owe over {$8000.00}. I wanted to talk with someone in a higher department but i cant reach them. The staff seems like they dont care about their customers. Its seems to me all they care is about there money. I have notice this company have been sued numerous amount of times in different states ( XXXX XXXX Santander vs Massachusetts ) including a major recent suite for over {>= $1,000,000}. Now i'm writing this because the issues that i here in these cases are the same issues i'm facing with them too. Example are You still owe them outstanding balances after you paid off the term of the loan, There's no one that can honestly give you correct information, Its seem to me you cant reach no one higher in rank to discuss you situation because of corruptness of the company. They seem to put there workers on the frontline to do their dirty work. The way things are going i will be paying right at {$50000.00} dollars for a {$18000.00} loan. This company is greedy, not caring and dishonest to their customers.
|
| 11/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I leased a XXXX XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.
|
| 09/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
As dated XX/XX/2022, Dear XXXX XXXX D/B/A Santander Consumer USA Inc CEO , and XXXX XXXX D/B/A CFO , I, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge XXXX That the Finance Charge is a sum of ALL CHARGES.
Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.
So, XXXX XXXX D/B/A Santander Consumer USA Inc CEO XXXX XXXX XXXX D/B/A Santander Consumer USA Inc CFO, Im aware according to our agreement that you signed Santander Consumer USA Inc, that the finance charge to me ( XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of Santander Consumer USA Inc how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report.
Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have requested on at least three different occasions for Santander Consumer USA to send me paperwork to validate the debt they claim that I owe on my XXXX XXXX and XXXX credit reports. They still have not as of the date of this complaint send me any paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in Santander Consumer USA has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.
|
| 03/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
On or about XX/XX/2020, my auto loan was purchased by Santander Consumer USA. With my previous lender, I had been submitting extra payments monthly by mail as principal only payments.
A payment of this type was mailed to the original lender on XX/XX/2020. It was clearly marked as principal only and was forwarded to Santander. It was credited to my account on XX/XX/XXXX and back dated to XX/XX/XXXX. Instead of being applied to the principal, the payment to date shows as an additional monthly payment.
As a result, I have been charged extra interest. Also, my auto pay shows no payment due until XX/XX/XXXX, even though the next payment was due today, XX/XX/XXXX.
After numerous contacts via chat, email, phone and secure message over the past 2 weeks, the issues remain unresolved. Each time I make contact, I request to be escalated either to a supervisor or a decision maker. Each time, I am told that is not possible.
To further complicate the issues, I have received contradictory information about making extra principal payments in the future. One representative told me I could make the payments online and another said they had to be mailed. The latter did not provide a mailing address.
The fix is simple but the bank has made no effort to date to resolve the issues.
|
| 10/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
I have a XXXX XXXX XXXX XXXX that I bought from a dealer with a subprime loan thru Santander Consumer USA 7 years ago. Admittedly, I had to ask for loan assistance twice due to the XXXX XXXX of my son. Thus I expected the the 3 months would be added to the end of the load. The maturity date was XX/XX/XXXX. I called to ask why there was still a $ XXXX balance and they said I still owed that amount. They would see if they could do a re-modification of the loan. They came back with an additional 2 years at {$700.00} per month. I have been paying {$700.00} per month for 7 years and can't believe I now owe this much more. This doesn't seem reasonable to pay another $ XXXX for a car that will be 9 years old and the book value right now is < XXXX. I asked them to send me the agreement and the APR is 21 %. The breakdown is still part to the principle and part to the interest. I have not signed the agreement. I am considering voluntary repossession but I know this will severely affect my credit. ugh! They are bilking people with low credit scores. I suggested that I could sell the car to XXXX for XXXX if they would accept that as a payoff and they refused and told me to trade it in towards another car. I am almost XXXX years old and don't want another car payment. Please help!
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal XXXX and have personal knowledge of the facts set forth below.
3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.
|
| 03/18/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander auto financial had sent a letter from a lawyer at XXXX. My wife had called them to make arrangement for payment. She was told that if she paid XXXX dollars by XX/XX/2017, that she could make a payment on the first at just keep making payments until caught up. Well, today Friday XX/XX/2017, I XXXX XXXX XXXX XXXX was severed with a court summons to the fact that Santander is placing a judgement against us and in the court of XXXX, Wisconsin. When I called the corporation to talk about the matter, the person that took my call was very rude and empathetic to the fact that my wife was in a car accident and the fact that we have had to pay medical bills, her out of work and getting my car put back together. As a matter of fact, she said that I was lucky that I lived in the state of Wisconsin, because if not they would have already repossessed the vehicle. At this point she started becoming even more rude to the fact that she was talking down to me. I have a XXXX XXXX in XXXX and I told her that this is not the way to do business but of course being a big bank they can do what ever they want. I am a XXXX veteran, which is willing to work on this but the unforseen car accident put a strain on finances and this corporation does not care about anything but there money.
|
| 02/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a XXXX Ford Expedition from XXXX several years ago and the vehicle was transferred over to Santander who served as the creditor. In XXXX the vehicle was paid off in XXXX ; with late fees being owed on the account. When the vehicle was paid off, Santander agreed to reduce some of the late fees and to establish a separate loan to pay off the late charges. As my wife and I was paying off the late charges, we noticed that the late charges were never reduced, so when we contacted Santander 's Office of the President to address our concerns, the representative reviewed the account and confirmed that the late fees were not reduced and that payment will need to be made in full. There was know attempt to remedy the situation or ot reach an agreement. A few months later, I checked my credit report and noticed that a charge off ( XXXX/XXXX/XXXX ) was placed on my credit report. Santander has not provided me with a title to this vehicle. The charge off has negatively impacted my credit standings. XXXX has failed to conduct an adequate investigation on my auto loan account ( in accordance with FCRA requirements and CFPB Bulletin XXXX ) and has been unfair, deceptive/abusive in their treatment towards providing me service ; which violates UDAAP under the Dodge Frank Act.
|
| 10/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved
|
| 11/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX I financed a car from XXXX XXXX XXXX XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company Santander Consumer USA. After disputing and contacting them I was informed XXXX XXXX XXXX XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called Santander and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
|
| 10/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX.
Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF.
* I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XXXX XXXX, 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all dates that I have disputed this account with the Chrysler Capital.
On each of these dates, I have brought to their attention on how the balance owed does not match the amounts listed on the explanation of calculation of surplus or deficiency as well as the account summary provided. They each listed 2 different amounts which show the same balances. I have brought to their attention on how the contract shows a credit sale between me and the dealership and not with with Chrysler Capital/Santander. When the vehicle was sold off, there was not an intent to sale notice provided and neither provided when I wrote my letters on multiple dates. One last thing is the months that are reporting incorrectly. I have a contract showing that the months were for 72 and on my credit report, it states 79 months.
After each contact with this company, they keep verifying that this account is accurate. I am not sure as to how they are verifying that this information is correct when I am consistently showing that they are not.
At this point, I would like to have the account removed for this company operating under deceptive practices when it comes to my credit report and the account listed with them.
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} * 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
|
| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A. 2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle. I have uploaded the contract between me and Santander for the CFPB to take a look at.
|
| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I contacted the CFPB about a year ago regarding the following case. I thought it was resolved but with recently moving from XXXX to XXXX I received a new monthly lease payment reflecting sales/use tax. I have received my new monthly statement for my XXXX XXXX lease payment. It reflects an increase of {$44.00}. Calling XXXX they explain to me that because I moved to XXXX from XXXX my tax rate changed from 6 % in XXXX to 9 % in XXXX My question to XXXX was how can I continue to pay a sales tax on a lease transacion made back XX/XX/XXXX. After going around and around with the rep on the phone I finally said, the truth to all this is that when I purchased ( leased ) the vehicle from XXXX Chrysler/XXXX in XXXX XXXX they did not properly disclose to me exactly what my monthly payment consisted of. In the negotiation I was led to believe that agreeing on a monthly payment of {$490.00} was all inclusive and that it was based on an agreed purchase price for the vehicle. Evidently what actually happened was that XXXX Chrysler/XXXX in XXXX XXXX simply deferred the sales/use tax but did not make me aware of this. As a result I am once again getting an increase in my monthly payment for this supposed sales/use tax that I was not told about when the original leasing took place.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
Pursuant to XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws
|
| 07/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I purchase a 2013 used XXXX XXXX at XXXX XXXX, in XXXX, Connecticut.
It was advertise for {$16000.00} and no where did it stated that the sale was as is.
I gave them {$10000.00} in cash and needed {$6000.00}, so they set it up with Santander Consumer USA because my credit is not perfect.
After a few months of owning the vehicles I took it for a service call because the service warning came on ; and I had been driving the vehicle less than 5 months.
I was then told that there was a " Steering Wheel '' re-call which XXXX XXXX had not even taken care of before they sold me the vehicle.
Thank, God that i was not involved in an accident for my grandchildren had been with me a few times in the vehicle.
A few weeks ago I received the surprise of my life when I called and spoke to one of their representatives at Santander Consumer USA, and the young lady who was assisting me stated that I still owe {$31000.00} on my loan. I asked that she explain how Santander Consumer USA arrive at that balance and she could not explain it to me, I got so frustrated that I got the conversation short and hung up.
I am still trying to figure out : How does a {$6000.00} loan end up at over {$31000.00} balance still owe?
In advance thank you for any assistance that you can give me.
|
| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Hi! My name is XXXX ( full name : XXXX XXXX ) and I am contacting regarding my auto loan with Chrysler Capital. In XX/XX/XXXX I have arrived to the dealership and applied for a car loan. They approved me with 20 % APR and informed that I will be able to lower the apr as low as 2.99 % after I complete 7 payments in time. After paying the monthly payments in time I contacted Chrysler Capital to ask to lower the apr and my monthly payments but they rejected my inquiry. Also, I found that 80 % of the money I paid since XX/XX/XXXX were counted as an interested and in fact I paid almost nothing to cover my actual loan. Now in XX/XX/XXXX, I still owe almost the same amount as I owed in XX/XX/XXXX. I am not able to continue my payments with the given APR as my plan was to pay only during 7 month. I can pay in time my debt if I can receive the normal APR that my credit profile deserves but the company is rejecting to negotiate and I was rejected with another bank to refinance. Please help me in this situation.
Chrysler Capital loan terms are unfair, they are damaging my life : I cant afford healthcare, save money or any vacation and all of these forcing me to file a complain. If they never told me that I can lower my apr after 7 payments I would not sign for that deal.
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/2017, I filed a police report for identity theft. I listed Santander as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX and XXXX removed all the fraudulent accounts including Santander. XXXX did not. I re-sent the identity theft dispute to XXXX and was told that the dispute information was sent to Santander. I recently was told to contact Santander directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called Santander in the middle of the loan and gave my information to them which prompted Santander to start reporting the loan under my social security number. I was given an identity theft packet by Santander to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at.
1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX but XXXX and XXXX has yet to comply even though Ive sent in police reports.
2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX at the time these accounts were opened.
I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account.
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft.
4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX and XXXX in XX/XX/XXXX. That is against the law. Please remove this account
|
| 09/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
I filed complaints and the company refused to talk to you because i had an attorney write a demand letter.
The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date.
The company has received XXXX payments from me. All XX/XX/XXXX dates.
XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX.
XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited.
I have provided them notarized bank statements where it clearly shows the company received my money.
Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear.
I emailed them and confirmed they could read them.
I then had the notarized statements sent to them and the company confirmed they received those.
The company seems to want to use fraud in their refusal to credit my payments to my account.
They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.
|
| 02/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX XXXXI purchased a XXXX XXXX from XXXX XXXX in which Santander financed ... I made payments of {$300.00} each month thereafter ... XXXX XXXX I traded the XXXX XXXX for a new XXXX XXXX ... a few days afterwards I received a XXXX from Santander. I was confused as to why I was receiving this so I contacted Santander. I was referred to several departments and after finally talking to someone I was told they would have to research it and get back with me in 7 days ... .after 7 days I never heard from anyone so I contacted Santander again only to be told that it was an issue that needed to be handled by the IRS ???? I feel like I am being given the run around ... .according to the XXXX the event took place XXXX/XXXX/XXXX for XXXX ... the only thing happened in XXXX was my normal monthly car payment. I feel like Santander submitting false information to cover their company. The VIN listed ( XXXX ) is referencing a car different from the car I financed with Santander ( XXXX ) is the VIN for the car I have been making monthly payments on for the last year ... I ca n't understand why I am penalized for making payments. I am a victim of fraud. I really believe this company should be investigated to see if they have been giving others XXXX to cover their financials.
|
| 01/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.
|
| 09/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have overpaid on my vehicle due to the hidden fees of this company Santander USA and also extending financing without the consumers knowledge when a loan is in default. I am still paying interest on a loan since 2015. This loan was for {$32000.00}. I have paid them close to {$45000.00} and the company is still stating that XXXX is owed. I have also have been violated as a consumer because this companies preys on individuals and place them into auto loans with a high probability of default. This company is now being faced with a XXXX XXXX lawsuit in 34 state South Carolina being one of them. I have a repossession/redeemed reporting on my credit when I reported that my Mom passed away and I financially wasnt able to afford the close to 700 payment per month they were charging with the late fee. Also reporting months of late payment when arrangements were made for the payments and they were deducting the funds. This default has stopped me with my home purchase and is hindering my credit. Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. They have yet to reach out to individuals but are still charging the high rates and auto payments they are being sued for.
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I sent Santander a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
However, I ask them to forward documents that they believe authorizes Santander to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance company deemed the car totaled, as soon as we found out we contacted Santander. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX XXXX his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. Santander is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.
|
| 05/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
On XX/XX/2019 I received a copy of the Vehicle Inspection report from Chrysler Capital indicating that all 4 tires needed to be replaced at the astronomical price of {$170.00} per tire. I called and spoke to a representative on XX/XX/2019 trying to negotiate a fair price as I researched tires and found at least five brands all under {$100.00} per tire. I was told that there was nothing they can do to help and I asked to a supervisor who indicated she can knock off 25 % which is {$170.00}. I explained that it was not fair that the appraisal company gets to pick the price of the tires and when I asked XXXX what tires were put on the vehicle to replace the worn ones she indicated she couldn't tell me. The customer service rep told me that they called me and sent a letter advising me that I should get my own appraisal, i never received the call or letter. I would have purchased a cheaper tire on my own if that was the case and not left the price up to the hands of a third party vendor. The fee is Unfair and the process Deceptive ( UDAAP ) and like I told the representative, I am willing to pay a fair price. Why would I pay {$170.00} per tire when the only one benefiting from that exuberant fee is Chrysler Capital. They are not treating customer 's fairly at all.
|
| 03/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022, I, XXXX XXXX, a natural person, requested a 1099c form from Santander Consumer USA, via Consumer Financial Protection Bureau ( CFPB ) portal. However, Santander Consumer USA responded on XX/XX/2022 they Cant not provide me with the requested documentation/information without providing any details. Santander Consumer USA which law are you referring to State or Federal? That Santander Consumer USA, by law, you do NOT have to provide me with such information 1099c? Please respond by law ONLY why Santander Consumer USA cant provide me me, XXXX XXXX, consumer, applicant, with a 1099c, and in fact also a 1099a as well? Which law states you are right about this? And that you ( Santander Consumer USA ) stated is truth? Pursuant to 26 U.S. Code 7203 Willful failure to file return, supply information, or pay tax that is a violation.
As of XX/XX/2022 at XXXX est, You have my account on all the XXXX major credit reporting agencies XXXX, XXXX XXXX XXXX XXXX listed as Charge-off with the amount of {$5400.00} for a repossession with the amount of {$2700.00} written off, Which will require a 1099c & 1099a form. PLEASE EXPLAIN WITH PROOF OF DOCUMENTATION AND BY LAW ONLY WHY SANTANDER CONSUMER USA DONT HAVE TO PROVIDE ME WITH THE INFORMATION.
Best regards.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
|
| 04/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks
|
| 02/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status
|
| 01/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received a voicemail yesterday XX/XX/XXXX regarding a lawsuit for an outstanding auto loan already on my credit report. I returned the phone call to hear it was XXXX XXXX XXXX that called from phone number XXXX XXXX XXXX. The person was extremely rude asking me why I have not paid the loan off. I disconnected the call because I already knew that XXXX XXXX XXXX XXXX XXXX ext XXXX is handling this debt. Today my husband 's former job contacted him and forwarded him a voicemail from the same company stating my husband 's full name and full social security number my full name and my full social security number and to make sure identification is ready when serving the paperwork. My husband called the number the gentleman was extremely rude and told him my debt is his debt because he married me and repeated to him his full social security number again. I called the management company handling the debt and they advised me they did not outsource this to debt to any law firm. I called the phone number again today advising them what they are doing is illegal and that the debt is not in their hands it's already been given from last year XXXX to a management company which has been confirmed by the original creditor. Only to be talked to in a unprofessional manner.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.
|
| 03/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I had a severe XXXX XXXX during my XXXX and fell behind due to complications. I was offered 2 month extensions ( 6 of them ) from XXXX to maybe XXXX.
When the pandemic hit, I lost my business and employment. They offered me 2 extensions however there is still a pandemic and the entire economy is struggling.
They have offered me a hardship modification which includes the SAME RATE, SAME PAYMENT and increasing my balance from XXXX to about XXXX additing 2 additional years to the maturity date saying I used all my extensions.
I made a payment on XX/XX/XXXX as I confirmed with 11 employees that as long as it is made in the last day of the month they do not report late. They reported me late and dropped my score XXXX points which affected my ability to obtain financing for my business and recover from additional hardship.
I spoke to XXXX, compliance Specialist who told me our business hours are XXXX Central time. So you made your payment after our business hours. " IF YOU GO TO XXXX 'S AFTER BUSINESS HOURS THEY ARE CLOSED. '' I ASKED WHERE YOU OPENED ON SUNDAY AT XXXX CENTRAL? HE SAID NO WE DON'T HAVE EMPLOYEES HERE '' NOT A GREAT WAY TO PUT THINGS! I have been told 11 times as long as the pay is done before next day we will not report it. And it was!
|
| 05/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default.
Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
As a result of these unjust practices I have a negative account status currently reporting on my credit files.
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report.
On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX.
The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle.
SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX.
I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.
|
| 06/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX had me sign papers for the purchase of a truck & XXXX as a co-borrower. I never gave my consent or had any knowledge this was on the paperwork until the payment was not made in XXXX. My name is associated with XXXX XXXX XXXX XXXX which is a trucking company. XXXX XXXX who is the owner made all these arrangements with XXXX XXXX & told me all I had to do was sign for the company because he had already signed. Which I found out after the fact, he had signed nothing.
I contacted Chrysler Capital & let them know I would not be responsible for these accounts & had never agreed to be a co-borrower. They told me file a dispute with all 3 credit bureaus who contacted Chrysler Capital who in turn, stated that these accounts did belong to me so they were not removed from my credit file. On XX/XX/XXXX, I called XXXX XXXX XXXX & spoke with the finance manager & told him I wanted my name removed from these loans but he stated that he could nothing for me until he spoke with his GM. He stated he would call me back but I have neve received a return call. One account is {$35000.00} for a jeep & the truck is {$54000.00}, I do not have either vehicle. If I known up front that I was going to be a co- borrower, the transactions would have never taken place.
|
| 06/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I originated an auto loan with Santander in XX/XX/XXXX. I started to have difficulty with the loan and placed it under a payment arrangement. To my surprise, the vehicle was repossessed on XX/XX/XXXX while under a payment arrangement. I did speak with the representative and asked, her reply was 'that doesn't mean anything '. I attempted to pay the entire delinquent balance even after repossession to regain the vehicle and was denied.
I learned this month that Santander settled in a class action suit, admitting to initiating thousands of sub prime loans which violating protection laws. The notification stated, 'Santander will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed ... ' I find it convenient that thousands of us had our vehicle repossessed prior to the XXXX XXXX, XXXX date to eliminate our sub prime loans from the Santander settlement, although we do have sup prime ( and therefore illegal loans ). So we now owe the company a deficiency balance for a fraudulent loan, in spite of them admitting the loans were fraudulent.
|
| 03/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018.
At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments.
Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel.
I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical.
I am submitting this complaint as I am unable to contact the company through the means they provided.
|
| 06/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
A concerning matter has been brought to my attention that an alleged auto loan and or repossession in XXXX that is listed under my social security number from a company or lender by the name of Santander Auto Loan Company. Chrysler Capital provided this information.
I was given an account number and a phone number to the " president 's office '' of XXXX.
I called and was on hold for about 1 hour. I spoke to a rep to inquire about this account and was told they was not authorized to speak to me and that they needed to speak with their legal department!
I have NEVER had a loan or repossession from this company, EVER. I am trying to get information, because I was a victim of ID theft from XX/XX/XXXX to XX/XX/XXXX in California.
I see that this issue is this or this is an error in their system. How can I get any resolution to this if they will not provide me with any information? This was NEVER on my credit like all previous identity theft items because it could have been resolved years ago. They are not assisting but Santander has an account tied to my social security number, and is effecting my consumer relationship and has cause a hinder to my already damaged credit. I can not get this resolved.
I need to know what steps I should take on this matter
|
| 05/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.
|
| 01/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XXXX I purchase a vehicle XXXX XXXX through XXXX XXXX payment $ XXXX monthly- XX/XX/XXXX- XXXX- inter into agreement with Santander Consumer USA- with a original loan amount $ XXXX- Stated principal balance $ XXXX- payment to Santander {$880.00} that I'had XXXX payment -with Santander.- XX/XX/XXXX - State I ' have XXXX payment to make to Santander- principal balance {$11000.00} -have stated I ' Continues have accrued interest $ XXXX My estimated payoff is {$30000.00} ' Santander Consumer USA - repay for truck over again- I request to Sandtander why they have n't given me credit my military credit I went over to XXXX work for 2 years- Fax my proof ' Sandtander have refinance my loan add me in to bad debt, I went into Bankruptcy just before I'went overseas XXXX/XXXX/XXXX payment was up to date- bankruptcy sent Sandtander {$790.00} each month until XX/XX/XXXX- I Continues payment 'making 2-payment in a month after bankruptcy $ XXXX- Standtander deferment granted-payment $ XXXX.- the problem I 'm having why would Sandtander refinance my loan adding 22 more month to 20 years total 62 yrs. Sandtander this XX/XX/XXXX not fair to me of military - this was not XXXX year loan..sandtander rather refinance than take off interest for 2 years XXXX. add GAP inurance.
|
| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a complaint regarding Chrysler Capital.
I leased a new vehicle in XXXX, paid the first months payment at the lease signing.
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away.
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit.
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due.
They then reported to the credit bureau 2 weeks later, while my account has been fully current.
And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
|
| 04/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On or about XX/XX/2019 i applied for a car loan with XXXX NJ XXXX XXXX and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues
|
| 06/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.
|
| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband and I purchased a new XXXX XXXX XXXX XX/XX/XXXX with the original loan balance being XXXX. The interest rate was 16.78 percent with a payment of XXXX monthly for 6 years. The total interest paid was to be a little over XXXX over the course of the loan. As of yesterday we have paid XXXX with XXXX going towards interest and only XXXX being applied towards the principal. About a week ago they repossessed the car and are refusing to reinstate the loan so I went on to see what the balance owed was so we could redeem the vehicle that we certainly have over payed for and that's when I realized how little of our money has been applied correctly. I have printed my entire payment history and there were roughly 3 years worth of payments that very little ( less than XXXX ) was applied towards principal. I'll admit there have been some late payments but after reviewing the paperwork it doesn't seem logical that late payments and completely unexplained fees would extend the life of the loan by what would certainly been another 3 years at this pace. All I'm looking to accomplish is have them adjust the balance to what it should be so I can pay the balance off and get the car back that we've already paid almost XXXX towards what should've been a XXXX loan.
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter to the address listed on my credit report to contact the furnisher to request that they remove the unauthorized inquiry.
My letter was returned because the address listed on my report is incorrect.
Santander Consumer XXXX XXXX XXXX XXXX XXXX, TX XXXX TeL. XXXX.
On XX/XX/XXXX I filed a CFPB complaint about this company XXXX.
I once agin asked the company to provide any info to show I gave consent or signed a application for credit of any form / written or Electronic.
On XX/XX/XXXX Santander responded with a statement that they can not verify if a unauthorized inquiry occurred, and that they will need more information to proceed.
I sent a immediately reply submitted on the CFPB website giving Santander my full social security number and a copy to view to see the multiple inquiries on my credit report.
Santander then close their response with me on the CFPB with out a follow up statement to answer, with the additional information they requested that was willingly giving to them to assist in their investigation from me, were they able to now provide that I in fact consented to this inquiry with a written signature on a application for credit or a Electronic consent giving permission for these inquiries.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21.
I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back.
I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine.
I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc.
Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.
|
| 07/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now
|
| 10/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I went to a car dealer to get a car and they got the financing through a bank. I made over 20+ payments on the car and the finance company said I still owe more than what the car cost, its as if no money was made towards the cost of the car. I ask for a copy of my contract and full a full disclosure and they did not respond to my request. They claim that I was late on my payments. About two weeks later my car was towed or should I say stolen by a debt collector and no one ask me or said anything to me. I went to the parking lot to use my car to pick up my son from school and it was not there. When I called Santander Consumer USA they told me a debt collector came and took my car. That 's how I found out what had happen to my car. I have a list of questions to be answered and documents to be sent to me. ( 1 ) Credit Application ( 2 ) All accounting for the transaction ( 3 ) Full Consummation ( 4 ) Was there a Credit Sale? ( 5 ) Was all disclosure given based on Truth in Lending? ( 6 ) Was there an advance given to the dealership? ( 7 ) What was it/how much was it? ( 8 ) Who is the Creditor? ( 9 ) Who is the Seller? ( 10 ) Who is the Purchaser? ( 11 ) Who extended credit for the transaction. Any document sent to me must be Loan Level documentation.
|
| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid off my lease with Chrysler Capital in XXXX by doing a lease buy out with my bank. In XXXX, I accidentally made my new loan payment to the lease with XXXX instead of my new bank loan. On XX/XX/XXXX, as soon as I realized this error I contacted XXXX. I spoke with a gentleman who assured me that since the account have been paid in full, the additional payment would be returned to me. After XXXX days of not receiving my monies back, I contacted XXXX again and they told me that I would need to provide a full copy of my bank account statement, with no redactions, in order to get my money back. This was never told to me and I informed the last that I would not be sending my personal identifiable information for my checking account. This is an invasion of my privacy. I asked for alternate options to which I was told that they understand my privacy concerns but that is their policy. They are making it difficult for me to get my money back. This is an unfair practice and a tactic to keep funds that dont belong to them.The funds were sent via ACH from my account through bill pay and those funds need to be returned to me. I tried speaking with a speaking with executive office and after an hour was told they would need to return my call.
Pleas help.
|
| 09/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I co-signed for a loan on a used car with the auto loaner Santander. The head of the account became defaulted on the loan against my knowledge. I never received any correspondence from Santander regarding this unpaid car payment. The car was later repossessed and I did not receive any notices regarding reinstating the loan or the sale of the vehicle. No notice of default, no notice of redemption/reinstatement, no notice of sale and to this day, still no notices of post-sale deficiency. Had I known anything about this going on with the account I could 've tried to avoid the repossession all together. Now this deficiency is on my credit report. I still have not received any written correspondence from Santander. Pulling my credit report is the only proof I have of the deficiency. Because of Santander 's failure to contact me, I am now being held liable for the deficiency at no fault of mine because I was not aware of the defaulted loan, the repossession or the sale of the vehicle. I am pretty sure Santander will try to come up with something to fight my complaint. I would like for them to please provide a signed copy of the initial contract, copies of the legal notices sent out regarding this account and proof of the resale of the subject vehicle.
|
| 04/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I took out a car loan 5 years ago through santander consumer u.s.a. I have been making payments of {$330.00} for XXXX years. My original price for my car loan was just over {$14000.00} and I took out a 72 month loan. I have given this company over {$18000.00} and my balance states that I still owe over {$7000.00}. Last year I inquired as to why my principle was still so high and they informed me that my interest rate fluctuated based on when I made my payment. I looked over the paperwork and it says in there what my interest rate is, which was about 18 %, and it does say it can vary but it says no where in there how they determine the interest rate. So if I was a day late they could jack up my interest rate to the max after one day l ate. They also reported my payment late for several months even though I have a chat record that says I was never late. They have been preying on my families finances and now I have a car that is at leas t XXXX XXXX under appraisal and I have no end in sight for my loan payments. I have several chat transcripts that displays their incompetence. I have also requested them several times to send me everything that pertains to my contract and each and every time they send me my payment history and that is it.
|
| 11/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I XXXX XXXX am filing this complaint on my own accord and will. There is no third party present in or helping in the creation of this complaint I XXXX XXXX consumer, natural person, and original creditor of an open end credit plan was harmed by XXXX XXXX Santander XXXX XXXX XXXX Santander consumer USA specifically under XXXX XXXX XXXX consumer awareness, when i called to ask why my substitute check attached to my statement for remittance purposes was not clearing for deposit at the FDIC institution i bank with. I was immediately disconnected from the call after the XXXX from another department waited almost an hour with me on hold to get me to the XXXX of customer service and explain the issue i was having. A deposit in fact was made with their institution via my credit card and open end credit plan pursuit to 15 U.S.C. 1602 - Truth In Lending Act in which they are required to issue remittance coupons with periodic statements to consumers to show credits due to that said consumer. The adverse actions taken against me are seen as willfully noncompliance with the federal law as well as negligence towards a consumer. XXXX XXXX Santander XXXX XXXX. is now civilly liable to me pursuit to XXXX Cfr XXXX as well as 15 U.S.C. 1611 up to { {$5000.00} }.
|
| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
around XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX. They had me approved with Santander Consumer USA. I didn't have great credit then and still don't today. The problem lies I didn't realize how the loan was going to work when i signed. I learned later that this was going to be i guess an interest first type loan. ( Sub-prime ) I started with the Total loan amount was {$17000.00}. There have been times i have fallen behind and struggled to pay. its only recently i begun to investigate this company and have learned that there have been a lot of practices like this from their company. As of XXXX of XXXX I have now paid of {$28000.00} and still have a balance of {$5700.00} Remaining on the loan. The car is no longer XXXX worthy and i'm having to drive a family members car right now. This loan is causing so many problems because it feels that it will never be paid off. I feel this company took advantage of me with their predatory lending practices and loan terms That i truly didn't fully understand at the time of purchase. I'm Not sure what the CFPB can do here but i do know that have been enforcement actions in other states. I am beyond frustrated that i have paid in so much and still have a debt that remains. Please help
|
| 09/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchased this vehicle new in XXXX of 2013. The vehicle was supposed to be around {$31000.00} plus negative equity from my trade-in. I have paid Chrysler Capital over {$58000.00} towards this vehicle. My payments are just under {$800.00} per month. This is something that should have never been given to me because of my debt to income ratio. I have struggled to pay for this vehicle the entire time that I have owned it, yet I have still managed to pay over {$58000.00} during the last 8 years. Nearly {$35000.00} has gone towards the interest. I have never been able to refinance this loan because of Chrysler Capital 's high-interest rate of 18 % keeping me from getting any of the principal paid down on the car. I am sitting here with a pay-off balance over {$11000.00} still, with a car that is only worth a fraction of that. I have tried multiple times to get out of this loan. I have begged Chrysler capital to help me out, but they have only ever done a loan modification or a payment deferral, which caused me to pay much more interest than I should have. Chrysler Capital has too many unfair lending practices for sub-prime borrowers and they need to help people the right way and be an honest company. They have received enough of my money already.
|
| 08/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have an auto loan account with Santander Consumer USA. I Checked my account statement online for the last 6 months. accounting information regarding my loan is incorrect and shows a higher amount due than what is actually due at this time. possible money laundering and fraudulent activity happening as money is not accounted for based on statements they have provided which do not match my financial statements from bank and accountant. Spoke to FBI to report suspicious activity and was advised to also file a complaint with attorney general of NY and TX including IRS. Also requested all statements regarding my auto loan to be sent via email/ mail and employee stated they " delete files and only keep items for one year" which was recorded on phone line. Statement given by Santander Consumer states I owe total amount of $XXXX as of XX/XX/2019. Accountant stated I should only owe a total amount of $XXXX as of XX/XX/2019. The amount of $XXXX has been conclusive to not be accounted for that should have gone towards principle amount due. Some statements produced by Santander are blank. Statements also show on several occasions total amount of monthly payment went to interest only. Based on a fixed rate stated in contract that can not be applicable.
|
| 07/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, While checking my most recent XXXX and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights.
MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES.
THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
|
| 11/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have a auto loan from Santander Consumer USA for XXXX XXXX XXXX. The loan dates are from XX/XX/XXXX to XX/XX/XXXX. The loan has reached maturity and Santander claims I still owe them {$3200.00}. I have made two additional payments since the maturity dates were reached ( XXXX and XX/XX/XXXX ) as well a double payment for the month of XXXX. The double payment in XXXX was for any late fees associated with my account. I went through a tough financial stretch at the end of XXXX and continuing into XXXX. Santander offered to cut my payment down from {$360.00} to XXXX for 6 months. I payed {$220.00} for XXXX and XX/XX/XXXX and then {$300.00} for XXXX to XX/XX/XXXX. I was not made aware that these payments would go directly to interest when I spoke to an employee in XX/XX/XXXX. I spoke to an employee on XX/XX/XXXX about my principal balance. She explained that I had accured {$300.00} in late fees. So I made a double payment for the month of XX/XX/XXXX. I also spoke to an employee on XXXX XXXX, XXXX inquiring about why my balance was so high. I asked for an itemized copy of the charges and was told that Santander doesn't do that. He instead sent my payment history. I need to settle this loan but feel like I am being taken advantage of by Santander.
|
| 09/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Good Evening. I was notified by my credit reporting agency ( XXXX ) that my current finance company Santander, has reported my my car as a Charge Of in XXXX of XXXX. I was not notified in writing that this matter has occurred. My financing company Santander, has stated that my account is current and up to date and that is false. I have disputed numerous amounts of times, since XXXX of XXXX to investigate this matter, nothing has been corrected. I have three different balances due to Santander not accurately reporting to the credit bureaus. The financing company Santander, is currently reporting my account as negative every month and I am current on my payments. Santander has made false claims they are reporting to all three credit bureaus, which is not correct. My XXXX report does not show Santander reporting to them at all. I've requested on XX/XX/XXXX to investigate why they are not current and why they are reporting as a Charge Off on my credit reports, Santander returned a letter on XX/XX/XXXX, stating the account is accurate and correct, which is also not true. I've applied for credit in other departments and they have verified that I am not the current owner of the vehicle and have been denied credit several times due to this matter.
|
| 11/22/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I sent Chrysler Capital a billing error notice ( see attached green receipt ) and they received it on XXXX. I sent it to the billing error department, Registered XXXX and XXXX XXXX XXXX. I, the consumer have the right to obtain clarification, including DOCUMENTARY EVIDENCE Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). DOCUMENTARY EVIDENCE in accordance with 15 U.S.C XXXX for the books of accounts AS DESCRIBED in IRS PUBLICATION XXXX, ( which includes journals and credits of accounts, ledger, debits of accounts to verify the current accounting and taxes associated with this account BOTH PRIVATE AND PUBLIC ) WHICH XXXX HAS FAILED TO DO. Pursuant to RULES PENDING RESOLUTION 12 CFR 1026.13 ( d ) ( 1 ) ( XXXX ) ( XXXX ) XXXXr may not try to collect any disputed amount nor take adverse action directly or indirectly, reporting to any person about I, the consumer 's credit standing without XXXX resolving the billing error. Failure to comply mat be subject to forfeiture under 15 U.S.C 1666 ( e ). XXXX has responded, and by their own admission sent documentation, which is the lease agreement and payment history. WHICH IS NOT DOCUMENTARY EVIDENCE Pursuant to FEDERAL LAW and my right as a consumer. Please note the lease agreement file is too large to upload.
|
| 05/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks XXXX separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
|
| 08/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed
|
| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending!
Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor.
Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX.
My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!
|
| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.
|
| 11/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
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.
|
| 08/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus.
XXXX XXXX XXXX
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander Consumer USA, was having trouble with accounts reporting untrue statements towards hundreds of accounts and NOT notifying clients of their own mistake. In XXXX of XXXX, already a year ago, my account was deleted, without my knowledge and my payments have not been sent to the credit bureau after finalizing all the payments to the loan I have had for the last 6 years. Unfortunately, in the beginning of this year, XXXX, the car I now own doesn't run anymore. So I was hopeful to buy a new one, until the dealership notified me that my loan to Santander Consumer USA doesn't exist.
Such hard work & after asking for their help, they couldn't even expedite the assistance I need at Santander.
The loan is paid off in full, and in the last 3 months, Santander has not done one thing to fix my issue. Sadly, it domino effected my life, with no credit, I needed to move out with my son a month later. The landlord sold the property I lived in to new folks who illegally raised the rent up $ XXXX more. With no credit or bad credit, you can't rent out an apartment.
Santander has left us very limited to find a home and to get a new car. This is just another attempt to see if they can fix this issue, an issue I believe hundreds of others have.
|
| 05/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have filed two complaints with documentation against Santander Consumer ( please refer to XXXX and XXXX ). Santander has not provided full and specific answers requested in the prior complaints, hence my current complaint. This process is a farce because Santander 's responses to CFPB complaints is not reviewed or evaluated by CFPB for accuracy and completeness. Thus, CFPB only serves as a point of contact for Santander and the complainant. Hardly helpful when Santander is a rogue organization flouting the law and good business practices. Therefore, in response to this complaint I request that Santander provide the correct department, address, etc. to whom they want a draft copy of a Federal Court Complaint to be delivered. This lawsuit will set forth the facts included in the two prior CFPB complaints, the responses by Santander, and the specific relief sought in the action. The response to this CFPB complaint will be included in the record of the pending Federal Court action. It is regrettable that the CFPB is not better equipped to protect the public from financial misdeeds by bad actors like Santander, whose record of abuse is well documented. This is just another instance which has not seen the light of day, but that will change.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!
|
| 02/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own.
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever
|
| 06/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution.
Thanks, XXXX XXXX XXXX
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.
|
| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.
|
| 10/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2021, at XXXX PM, I noticed a man named XXXX who is employed by XXXX XXXX XXXX attempting to illegally remove my automobile from my private driveway. After I had to repeatedly ask XXXX to provide his identification or license information, XXXX provided CA XXXX by pointing at the side of his tow truck. I had already called local law enforcement to the scene. When local law enforcement arrived, the police officers on the scene refused to verify XXXX 's identity and just took the work order on his cellphone as sufficient proof. I later found, XXXX had lied to the police and told dispatch, I banged on his window. The security cameras at my place of adobe will prove that is a complete fabrication. After getting threatened with arrest by local law enforcement, XXXX was illegally allowed to take possession of my automobile. After XXXX and local law enforcement were gone, I searched for XXXX 's license status on the Department of Consumer Affair website; it appears that the license number XXXX provided is not active to his name or industry. Pursuant to 15 USC 1692c ( b ) I did not give XXXX prior direct consent for communication. XXXX infringed on my right to privacy and terrorized me when he possessed my property without my consent.
|
| 12/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX Santander reported my closed charge off account as open. Prior to that date it was being reported as a charge off closed account w/15 charge offs and is now reporting as open with 15 late payments. I believe this was done as retaliation for me filing a dispute with the CFPB regarding their business practices. This lowers my score because it is perceived as an open account with late payments. It also increases my debt to income ratio because the balance is added to my open current accounts. There has been no payment activity on this account since XX/XX/XXXX so what caused the account to be reported as open or reopened? Also, was this account reported as a closed account/profit loss to the IRS per Santander? Or was it reported as an open active account seeking collection? A XXXX rep informed me on XX/XX/XXXX that the way Santander reported this account was unusual due to the remarks stating closed, write off, charge off, bad debt but yet the status is open. I spoke with a Santander supervisor named XXXX on XXXX XXXX who stated the status will not be changed he also assured me that this was normal reporting. He even persuaded me to settle as he reinforced the idea that the account status was accurate and was indeed opened.
|
| 05/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I traded in my leased XXXX 6 months before lease end on a new XXXX lease at a XXXX dealership. The lease included provisions for the dealership to pay off the trade in in full. A month later I got a lease end termination bill for {$6000.00} from Chrysler Capital and when I contacted them they said it was probably just a delay in paperwork and not to worry about it. A month after that I got another {$6500.00} bill from Chrysler Capital and when I contacted them they lied and said I never traded in the old Jeep and that I owed this money. I have the new lease contract that proves otherwise. They say I have to pay the amount, which is not supported by any type of documentation. My remaining payments ( 6 times $ XXXX/month ) only add up to {$3300.00} so theres no way I could owe {$6500.00} even if what they said was true. These people were rude, arrogant and dismissive. The best part is that this happened 3 years earlier on my previous trade in as well, which eventually got sorted out after weeks of harassment by them. Should I have learned my lesson then? Probably. But now I have proof of a pattern of fraud, contempt and disrespect for a loyal cuStomper who always pays their bills on time. Chrysler Capital needs to be brought to justice.
|
| 09/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.
|
| 06/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
When I bought this car *XXXX years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX.
XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 02/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.
|
| 10/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle.
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my account any monies they had collected for premium since daughter had wrecked car.
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for.
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off.
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.
|
| 02/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX as delinquent and derogatory. XXXX and XXXX had not problem removing it but XXXX has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!
|
| 10/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.
|
| 01/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify.
Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned.
This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.
|
| 04/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Santander Consumer sold a retail loan on the XXXX XXXX that was a recalled car for a 25 % interest rate and it was predatory lending. The loan went into default and the asset was recovered by the creditor. I was not given the date, location, and time of the sale and was never given the option to bid for the car at the final sale. Its violates the sales Article 9, under Section 9-612 ( b ) of the Uniform Commercial Code, a secured creditor sends notice in a reasonable time frame if the notice is sent after default and at least 10 days before disposition and Section 9-613 of the Uniform Commercial Code and Section 9-614 of the Uniform Commercial Code. Article 9 demands that a secured creditors sale must be reasonable in every aspect, including time, manner, place, and any other terms. Furthermore, a secured creditor is required to provide reasonable notification of the sale to the debtor. The creditor is now charging a debt collection of {$3000.00} after they got the asset and sold it, this is commercially unreasonable and wrong. There is no verification by the creditor that I was given notice of the sale of the car and who it was sold to. Creditor gave no verification that I was ever given notice of the sale that is required by law.
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
My car note was transferred over to Santander Consumer USA In XXXX of 2020, and they have not reported to the credit bureaus.
I called Santander on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute.
I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than Santander Consumer. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to report to the Credit Bureaus.
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer
|
| 07/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points.
I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.
|
| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I co-signed for a vehicle on behalf of my ex wife. The vehicle was repossessed in XX/XX/XXXX. I received a XXXX cancelation of debt and instructed to file it on my XX/XX/XXXX taxes. I did so after talking to Santander and being informed it would bring the charge off balance to {$0.00}. Needless to say they lied. After applying for a loan recently I was denied due to the account having a substantial balance. Not to mention this account is over 9 years old now. When I called Santander to ask about this, they were extremely rude to me and told me the XXXX was merely a formality. Being XXXX XXXX I know this is not a formality. I am writing asking with help in resolving this issue. It has cost me several opportunities over the years. I do n't check my credit file and had no clue this was going on since I have never once spoken to them because my divorce changed my contact information and address. The only reason I received the XXXX is because my daughter found it in the trash at my ex wife 's home and saw my name on it. Santander has been very hard to deal with on this matter and we need assistance in order to grow our company, an effort thwarted over the last few years by this matter. Thank you for your time and attention to this.
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The week of XX/XX/XXXX, I spoke with a representative at Santander Consumer USA regarding a large payment onto my automobile loan. I explained to the representative the payment was for any late fees, current month payment in future payment. I explained that the payment was going to be in the next couple days and he told me he was going to notate the account. On XX/XX/XXXX, I called back to make the payment. I tried to make the payment for {$4200.00} one-time and the representative told me the payment had to be split into 2 payments. The payment was successful.
In XX/XX/XXXX, I was checking my credit report and noticed I was reported for a late payment. When I called the automated system said no payment was due. When trying to reach a representative the wait time was extremely long and was locked out of my online account.
I spoke to a representative today ( XX/XX/XXXX ) and I explained what happened. He acknowledged it was a mistake on Santander behalf and the previous representative did not apply my payment to the future payments and it was entered incorrectly. The payments went to the principal balance of the account. He requested for the balance to go towards the balance and to call back in 2-3 days to see the outcome.
|
| 06/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
|
| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XX/XX/XXXX, when logging into my bank account, I noticed there was two pending payments for my vehicle loan. Each payment was for {$300.00}. One identified as a 'Phone ' payment for XX/XX/XXXX and the other was identified as a " internet '' payment with date of XX/XX/XXXX My loan payment obligation is only {$250.00}, and I had NEVER called Santander nor would I authorize two payments ( i am on a fixed income ).
I called into the company on XX/XX/XXXX and spoke to an agent who advised it was because my payment 's submitted in XX/XX/XXXX and XX/XX/XXXX " bounced '' and they were resending them for payment. I told her that is impossible, as I don't WRITE bad checks, my payment cleared and i was not charged any fees or notified of such.
The agent told me that is exactly what happened and if i ask for a refund, it would make me past due.
I have stopped payment on both of these transactions through my bank, and it cost me {$70.00}. Now, I am worried they will report inaccurate information to the the credit agency or charge me fees for something that is not my fault. In addition, as i have requested with them, i have a payment of {$300.00} that posted to my account on XX/XX/XXXX to principal only- which is not correct either.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I was part of the class action law suit against Santander Consumer USA. I signed the executed agreement based on the terms laid out in XXXX 0f XXXX. In the agreement I would receive a financial settlement and in paragraph 3 Santander would remove all entries regarding the account from the credit bureaus. Santander agreed to these terms with my attorney XXXX and XXXX. I sent copies of the agreement all 3 credit bureaus to get the file updated and all three sent back the response that Santander refused to remove the entries even after entering into a legal contract. Furthermore, when I attempted to contact Santander they refused to speak with me. Since my escalation in trying to remove this entry to close on a home mortgage Santander has changed the credit file from voluntary repossession/charge off in XX/XX/XXXX to current late payment further damaging my credit score. Based on this action I was unable to close on my home when this was the only negative entry and when the broker contacted Santander they stated this was a current debt which is false.
I have attached the executed agreement for your review and please see paragraph 3 which states Santander should have removed this entry months ago with all three credit bureaus.
|
| 07/05/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.
My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.
I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt.
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years.
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.
|
| 04/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
when i first started financing the vehicle on XX/XX/2017 it was financed through santander consumer USA which my interest rat was 22 percent but i got a call from young blood XXXX where i bought the car they said the loan was sold to XXXX XXXX with a lower interest rate but when i looked at the paperwork it was 4 percent higher making it 26 percent making my payment almost nearly impossible to make on a loan that was XXXX XXXX dollars changing the total repayment after 72 months to XXXX XXXX instead of the XXXX XXXX i had initially signed for and I know they are the same business so i call and ask why they would not give me a straight answer then the car broke down and i had extended warranties and gap insurance also mechanical breakdown purchased from the loan company they denied to fix the car. i told them i would continue making payments it would just be about a month before i can get it fixed because it was almost XXXX bucks to fix a week went by and the dealership called XXXX XXXX and told them to come reposes the car because i had abandoned it witch i had not i was in there every other day to check on it. all in all i believe this is violation of the truth in lending act and very wrong of them to trick me like this.
|
| 06/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.
|
| 05/18/2017 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
|
| 09/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander Consumer USA has continuously incorrectly reported my account as being 30+ days past due. I disputed this information with XXXX and had numerous 30+ day late items removed. However, several of them still remain. This misinformation has ruined my credit score and cost me the opportunity to refinance my car loan for a better interest rate, buy a home, and take advantage of the otherwise good credit that I had. The deceptive practices used by this company has cost me thousands of dollars. To date, they are reporting that I was 30 days late making a payment for the months of XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, & XXXX XXXX. My Due date for these months is the XXXX of each month. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 23 days past my due date. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date. For the XX/XX/XXXX payment, I paid XXXX 's payment in XXXX ( I made 3 payments that month ) and XXXX 's payment in XXXX and informed them that that is what I was doing, and they still listed me as 30 days late. I made the XXXX XXXX payment on XX/XX/XXXX, which is 26 days past my due date, and I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date.
|
| 04/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX.
My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker.
The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high.
the manger I spoke to XXXX, stated that the amount is correct and that is what I owe.
He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time.
I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers.
I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments.
XXXX XXXX
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, I am writing this letter to file a formal complaint with santander usa. The company has reported my account past due when I was told on several calls that it would not if I continued to make the payments due to the account having reached maturity. The goal was to get a modification approved. I specifically asked if i was ok with making the normal payments and that my account would not be adversely affected. The agent assured me that it would not and they would offer a modification to take care of the remaining balance. To my surprise of the weekend of XXXX XXXX was notified of the late payment status to the credit reporting agencies. In addition, the modification documents for signature and the email noted it would deactivate on the XXXX. I attempted to access the document on the day and was given an error message. I am currently under going a refinance of my house. I acted on the advice from the agents regarding payments which appears to have been incorrect. I respectfully ask that this 30 day be removed from my credit report. I only did what i as told. Listed below are the times and agents i spoke with.
Thank you very much.
XXXX XX/XX/XXXX- Agent badge XXXX XX/XX/XXXX - Agent badge XXXX XX/XX/XXXX - XXXX
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I, XXXX XXXX entered into a consumer credit transaction with SANTANDER USA , INC finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal.
I tried to send my affidavit of truth with evidence, cease and desist, and notarized Jurat to SANTANDER USA , INC using the address that was provided, but it was returned due to an invalid address. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with SANTANDER USA , INC. I am demanding a remedy of this situation immediately.
|
| 08/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
|
| 03/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX, I applied and was approved for a car loan, during the 10 year period of the loan, payments were made and subsequently, the loan was satisfied. After recently reviewing my credit report, I noticed several inaccuracies. In particular, there are XXXX entries I noticed as inaccurate. On XX/XX/XXXX, Santander indicated I was 90 days late, which is inaccurate. 2 ) On XX/XX/XXXX, Santander indicated I was 60 days late, which is inaccurate. 3 ) The report indicates the terms were {$140.00} for 72 months, which is incorrect. Finally, I have no confidence in Santander 's administrative accuracies and their failure has fueled the negative entries on my credit report. These inaccuracies are reducing my chance for homeownership. Attached are XXXX documents recently received from Santander, in which, they clearly admit there are administrative and record keeping issues that was uncovered during an audit. " during a recent audit, we determined your account is due a refund ... '' This admittance has caused me to lose total confidence in Santanders record keeping. As a result, I believe there is more incorrect information reported that is negatively listed on my report and the possible reason for future credit denials.
|
| 01/07/2017 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans.
After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days.
Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.
|
| 01/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A
|
| 12/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
The company Santander consumer USA / Chrysler Capital has ignored my mail, phone calls. Since XXXX XXXX.
They are charging me {$12000.00}. When the vehicle has been repossessed and sold And reporting to my credit report as charge off and still trying to collect payments. I was one of the victims from their multi state settlement that was reached out to be eligible to received payment or get the pardon to delete the company name from my credit report.
On Chrysler Capital it says that the payoff disclosure was {$2000.00}. And now its more than ever Ive reached out to the 3 major credit Agency to ask Santander to provide validation of the sales and yet they have denied and still report it on my credit report as accuracy. They repossessed my car in 2017 and they still refuse to show me proof. I recently challenged them to send me the form 1099C and still ignore me..
So, I came across this post that CFPB : Santander Must Pay {$4.00} Million For Credit Reporting Violations. Dated XXXX XXXX.
Hopefully someone can reach out to Santander and remind them that theyre still havent reached out to us.
I also reached out to rusty consultants and put a complaint that I have not reached a settlement from XXXX on XXXX XXXX
|
| 09/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Opened account on XX/XX/XXXX, paid as agreed up to todays date of XX/XX/XXXX.
Santander has refused to timely communicate or resolve the 4 missing payments to date.
The dates of the missing payments are XX/XX/XXXX,XX/XX/XXXX and 2 payments combined on XX/XX/XXXX.
Santander uses a 3rd party to process their payments ; XXXX XXXX speed pay.
XXXX XXXX confirmed they processed these payments successfully, and certified/notorized bank statements have been provided as well. A complaint about this issue, but only the first 2 payments were involved, the payments from XX/XX/XXXX are completely seperate and new.
Santander has had numerous similar complaints filed against them that are available on the internet.
They are acting like thieves, not returning calls or communicating to resolve this major issue.
My attorney has attempted to contact Santander, only to have Santander claim they needed a release to discuss my account, but a release was provided over a month ago, confirmed received by Santander, but still no contact.
This behavior is unacceptable, and harmful to me, as my credit score went down over 150 points and lost income.
Their policies are against the laws and need to be rewritten to comply with the law.
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them.
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX.
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning.
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX.
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number.
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.
|
| 03/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.
|
| 12/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/2020 I became victim to identity theft, my bank account is cleaned out. Starting on XX/XX/2020 I contually kept calling and massaging Santander Consumer to get hardship extension, they would not respond to my messages and online chat said they couldn't help me and I kept getting disconnected on the phone with them to. Finally on XX/XX/2020 I was abled to speak with a lady who transfered me to the right department.
After explaining what happened and telling them the bank has up till XXXX to credit my money, Santander consumer usa refused to help me. Knowing I was scammed originally from the dealer, probably thing were involved. They said they can't help me, yet they advertise that if your going through hardship they will work with you. I told them it's not my fault someone stole everything from me. They didn't care, and said no.
I have never been late nor missed a payment and they know I was scammed po sting {$100.00} more a month then I can afford because the dealer lied to me about the amount I would be paying. All I asked for was extension till XXXX. And they made appoint to tell me any thing late will be reported to credit report up to repossession. I'm was in every emotion, someone stole from me.
|
| 04/13/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I leased a vehicle in XXXX and recently moved to XXXX. I returned the vehicle early to a dealership in XXXX. I was advised by a XXXX dealership that I could return the car and pay the remainder of the loan off and the disposition fee. I then received a bill for the entire buy out of the vehicle. I called and XXXX XXXX told me I broke my lease and that they sold my vehicle at auction. I satisfied my lease payments and the are still trying to charge me $ XXXX for the vehicle. I should be protected by the state of XXXX because thats where my contract was signed. XXXX XXXX called me 2 weeks ago and said it was resolved and they where pending processing on their ends. They then called back and said no they decided its not resolved and that will not overturn it and that I will still owe the money. They refuse to give me any documentation and when I asked they told me I need a subpoena. I have paid all the lease payments, they have my vehicle, and they are now going back on their decision to resolve it. Since the contract was bound in XXXX I should only be responsible for the disposition fee as I have satisfied my contract. According to the XXXX Attorney General website I should only have to pay the disposition fee.
|
| 04/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX.
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!
|
| 03/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Santander took ILLEGAL action on XX/XX/2021 when they illegally sent a third party my information and they trespassed my private property TO repossess my property! They admitted to this theft in my complaints under XXXX Santander claims the total reinstatement amount to get it back was XXXX yet charged my card for XXXX false misleading and as stated ILLEGAL. my property shouldve never been taken in the first place because I dont owe Santander any debt. The amount financed is what I, THE ORIGINAL CREDITOR, EXTENDED. If we as consumers financed it? ITS ALREADY PAID FOR in full! The finance charge is the sum of all charges! Thats why Santander can NOT validate the debt in which they claim owe. In Santanders deceptive and fraudulent contract it does not state right to rescind it does in fact state No cooling off period Which is a violation of TILA ( truth in lending act ) 15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind any violation found in the TILA a consumer shall be compensated double the finance charge! Santander ignored my first letter so I recently sent a second and a cease and desist. I am hereby exercising my Right of rescission THIS CONTRACT is CANCELLED!
|
| 10/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys
|
| 06/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
There is a lot more but all documentation is in my lawyer 's hands.
I can sure provide copy and much more details if needed this has been going on for over a year now and at least 6 months since my initial call to the bank.
Santander has been the subject of other lawsuits. My complaint appears to be similar. I've been paying the loan for over 3 years. Around XX/XX/XXXX strange things started to happen to my account, which I noticed around XX/XX/XXXX. None of ALL the payments I made in that period, went towards the principal of the loan. 100 % of each payment ( around XXXX $ / month ) went towards the interest with the obvious consequence that the payoff amount didn't go down XXXX cent. Countless calls never answered, a proof of a contract requested ( other than the paperwork I have from the car dealer ) was never produced and also my lawyer never received anything. On top of that instead of answering, I received a threat they would repossess my car if I didn't pay XXXX . I agreed to pay XXXX $ and another XXXX next Friday. will this solve? They say my account is still past due which is what they want so payments will only go towards interest. One day they say I'm current and the next I'm past due for XXXX .
|
| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.
|
| 03/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX of XXXX a loan was taken out in my name. The dealership along with Santander Consumer USA performed acts of predatory lending by using false and inaccurate on the loan application. My credit score on XX/XX/XXXX of XXXX did not meet the minimum score required to obtain a loan with Santander.
I sent a certified letter asking for the original signed loan documents and any other information used during the loam process. Santander received that letter on XX/XX/XXXX of XXXX. I called on XX/XX/XXXX to follow up with them and they said they would email the documents. I asked them to mail them as the letter stated, they never mailed nor emailed the documents. It has been 45 days since they received my first letter for verification. This fraudulent auto loan account is causing unjust financial hardship for my family and I. Especially during the current Covid pandemic its been taking a huge hit to my credit scores and finances.
I have sent out another letter to Santander Consumer USA asking them to remove this account from my credit report immediately since they failed to provide me the debt verification requested. Also I have sent a letter to the 3 major credit bureaus with the details of my dispute.
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
You are reporting inaccurate information on my credit reports you are to correct that information at once or be sued. you are reporting my account status as derogatory when in fact the account status is sold and charged off your are reporting my payment history as in collections/charged off as per 611 FCRA dispute you are to show me proof that my payment status has a collection on it did you send my account to collections after you sold it that is inaccurate reporting so me proof that a account you don't own can be derogatory you don't own it to report it that way. you have as 90 days late 11 times you are to proof that I'm 90 days late after you closed the account XX/XX/2018 and charge off XX/XX/XXXX.
I have sent a request to the IRS to investigate why you let my account go 90 days late 11 times before you closed and charged off the account that's is what you are reporting .In the United States , Federal regulations require creditors to charge-off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days. a complaint has been filed with NYS Office of the Attorney general consumer affairs XXXX and NYS dept of consumer protection and the Dept of state
|
| 09/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.
|
| 12/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American |
|
i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi
|
| 11/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I cosigned a car loan for my sister and due to lack of payments ; I ended up calling the finance company, which was XXXX bank to repossess the car. Couple to few months later, I received a letter from the bank stating that they sold the car and it was sold for {$4000.00}. From that point, I requested documentation that proved that the car was actually sold for what it was sold for. The car was a XXXX XXXX XXXX, limited edition. All I received from XXXX was an itemized list ; I strongly believe that the car was worth more than what the bank claimed it was sold for.
I know a creditor may have the right to " repossess '' -- or take back your car without going to court or warning you in advance. The creditor may also be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor. I was never informed about the time and place of the auction or private sale.
I 'm convinced that the selling price of the car was below the book value. I strongly believe that the bank failed to resell my car in a commercially reasonable manner, and I need answers.
As of today, I owe more than {$12000.00} and it is being reported in my credit. Please help me.
|
| 02/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.
|
| 06/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you
|
| 05/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )
|
| 09/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I went to the dealership, XXXX XXXX, terms of the loan were for XXXX for 5 years at approx 10 % interest with one bank, for a XXXX XXXX XXXX XXXX, payments of around {$260.00} a month. I believe it was XXXX ( I have the terms in hard copy somewhere, just need to dig them up, which is why they are not attached now ), with the dealer paying off the remaining balance we owed with Santander Consumer USA on our XXXX XXXX XXXX XXXX XXXX. Santander kept calling me for approx 2 weeks after the deal was closed. I called the dealership to ask why the old bank had not been paid off, they said I needed to come in and talk in person. When I went in, I was told TWO WEEKS AFTER THE DEAL WAS DONE that XXXX had denied my credit application, and that I was being placed with Santander, at an interest rate of 19.5 %, pushing my payments form {$260.00} to {$310.00}, a {$45.00} difference. At the time I was working and healthy, which was back in XX/XX/2013, but now I am sick, in and out of work on disability, and have had the vehicle repossessed once already after coming back to work from XXXX XXXX XXXX. A {$45.00} bump in the payment each month is catastrophic, plus Santander keeps saying there is nothing they can do for me.
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I work as a truck driver I was doing fine before the civi-19 start, I got a XXXX XXXX XXXX on XX/XX/XXXX finance by Chrysler Capital before I was making my payment right on time sometime ahead of time, when the covi-19 started everything went down hill, In the beginning of this year I wasnt making enough money I got sick with XXXX by XX/XX/XXXX the job I was doing didnt have enough freight for me so I call Chrysler Capital and talk to them about it so I can have a little time for me to recuperate and work to make the payment they say no, so after that I went to work to get the money for the payment of the car and I was still XXXX.They said we are repoing your car.Then I said give me til Friday XX/XX/XXXX And Ill pay 2 payments.still they took my only way to work and store or to get medical treatment on XX/XX/XXXX XXXX.If it wasnt for XXXX.I wouldnt be going through this with them.I tried asking them what would it cost to get my car back.They said around XXXX.Its .The repo man said that Chrysler capital repos a lot of vehicles.I asked how do you know this he said his company does a lot of work for them.Makes you wonder if they do this to get our vehicles and resell them.So they never loose in a car deal.
|
| 04/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX Purchased a XXXX 2010 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Notified Chrystal Capital that I was on a Medical FMLADiscussed with Customer Service and it was agreed to do a defer to end of loan some payments.And i was to receive a Contract to sign and send back immediately but never received.
Made several calls to Customer Service, since i received no call or mail from them on a update, To be told " Oh it 's denied ", and you ask for a reason and your told they never tell us.
Then Customer Service, says pay more money and we will do it again. Same thing just on going " Denied '' No reason.
Now, I have all these fees added and late charges and my Loan shows that I owe more money now then i even borrowed.
My interest rate was to be per XXXX, XXXX i questioned before i signed @ XXXX, and was told XXXX.
I called Chrystal Capital, one month ago cause things did not seem right a questioned my interest rate and they said XXXX.
i never agreed to 21 percent on this SUV.
they have the hole just getting deeper and deeper and i am seeing NO way out with Company.
I need your help Please, I XXXX Chrystal Capital and read XXXX Complaints On Consumer Affairs alone. just, like mine and alot on other sites too.
|
| 06/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report
|
| 03/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I, XXXX XXXX, a natural person, am demanding Santander Consumer USA to provide me with any documentation, and concrete evidence, and any agreements WHATSOEVER between myself XXXX XXXX, and Santander Consumer USA, to give an unauthorized 3rd Party, a XXXX that was NOT a witness of the Transaction between ( myself, XXXX XXXX, and Santander Consumer USA ) give XXXX XXXX XXXX XXXX the rights to get my information, my address, my location, come to my property, and take my vehicle ( XXXX XXXX XXXX ) by FORCE in front of my neighbors/witnesses dated on XX/XX/XXXX. Where is the documentation to give an unauthorized 3rd party, the rights to do such things? This complaint is very simple and CLEARY to read and should not be misunderstood.
PLEASE provide me such information mentioned above.
I AM DEMANDING those documentation. Expeditiously!
The company XXXX XXXX XXXX XXXX has admitted, and confirmed of taking my property ( XXXX XXXX XXXX ) away from me at my place of residence to be exact is where my property was taking away ( See attachments ).
Ive also filed a complaint with Federal Trade Commission in regards of this serious matter.
Again, Please provide me the information mentioned above. Best regards.
|
| 07/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am completely outraged right now. There is a glaring error on my credit reports that needs to be fixed literally as soon as possible. My family is on our way to owning our first home, and this is really preventing us from accomplishing this goal.
I have attached a copy of my credit report that shows this error. XXXX XXXX is showing I still pay monthly for a car that has not been in my possession for over 4 years! It shows we make a monthly payment of {$540.00} to XXXX XXXX, and we do not! Since this is reporting this false information, I would like Chrysler Capital to be able to prove this! But I'm 100 % sure they can not!
How can a charged-off account show a current payment? This is just ludicrous. Everyone knows charged-off accounts are supposed to show a " {$0.00} '' balance anyway. And that is wrong as well!
Apparently we are not the only victims of this company. XXXX has a 1 star review with Consumer Affairs, and XXXX customers has an 1 and a half star rating as well for XXXX XXXX. Attached is the proof for this as well!
This needs to be removed from my report ASAP! It is inaccurate, and throwing off our debt-to-income ratio, and now we can not be approved for our dream home without it!
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
Attorney General XXXX XXXX announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default.
Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers.
The deficiency on my loan has been waived and the balance on my loan has been forgiven.
Please, delete this account from my XXXX credit reports.
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report.
A company named : SANTANDER CONSUMER USA, XXXXXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned.
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named SANTANDER CONSUMER USA. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with SANTANDER CONSUMER USA.
I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor.
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply.
Most sincerely ~
|
| 12/21/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Taking out the loan or lease
|
|
Web |
|
|
A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.
|
| 12/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee?
Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?
|
| 02/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Had a card loan with Santander Consumer Usa Inc . I default on the loan and they repossessed the car without court order and also filed an claim against my insurance company for damages the vendor made to the car and Manager XXXX admitted the fault for the false claim by agreeing to credit the Account. Since speaking with XXXX my number had been block from Santander. They are blocking me and preventing me for trying to clear up the debt by refusing communication with me, they refusing to send my payment history because I explain to them it has been times where I double paid on my loan in one month and they applied one payment to principle and the other to interested which cause for my next month payment I paid in advance late and charge fees and had to do a deferred and they are refusing to send my that account history. I am request for them to relieve me of the debt since they are block all communications from me. Every new number I find to reach them, they block me from that number, but they want to continue to report the information to my credit report, to me that do n't make no sense, they are abusing my credit report and not following collections act laws set forth in Texas and the United States
|
| 04/07/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I had recently made settlement arrangements with the recovery department of Santander for a car loan that defaulted last year. I had fallen onto a period of financial hardship due to unemployment and was unable to make my payments. While the settlement agreement was resolved amicably, they have not yet sent me receipt of payment and more importantly, they have not issued the title to the vehicle. This puts me in a very unfortunate position as I am trying to register the vehicle in my state and they are preventing from doing so without the original document. Without registration, I am unable to acquire insurance and thus legally maintain the vehicle. I have made several attempts to contact the company to resolve this issue and keep finding that the date they will issue the title gets pushed further back. My last communication, a representative from the office of the president, curtly responded that " I went this long without making a payment, than I can wait this long without the title ''. I am trying to do the right thing, by paying off the debt, and abide by my local laws. I feel that this company making efforts to reprimand my delinquency but consequently preventing me from accomplishing this goal.
|
| 06/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ).
Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest..
In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract.
Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score.
Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of.
Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018
|
| 01/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late
|
| 08/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I called Santander Consumer USA to request a copy of my contract on XX/XX/XXXX/XX/XX/2018, I never received the contract. I called today, XX/XX/18, to request the contract to be mailed and faxed. The copy that was faxed to me is not legible. The print only covers approx 1/3 the width of a standard 8x10 sheet of paper. I called again to request a legible copy of the contract and was told I would have to wait " up to 24 hours ''. I also called in regards to the company reporting a 30 day late prematurely. I made the payment on XX/XX/18, which shows credited to my account on XX/XX/18, via the online portal. However, when I called I was told by XXXX XXXX XXXX XXXX that the payment shows posted on XX/XX/18. I was told on a separate call by XXXX that is the reason it was reported 30 days late, as they report to the credit bureaus on the XXXX of each month. Additionally, the payment made on XX/XX/18 shows as having been applied entirely to the interest, the amount of that payment was {$340.00}. I would like an explanation for this, and a correct adjustment. I would also like my account to be audited as I am concerned that Santander Consumer USA 's inaccurate reporting/recording has compromised my account.
|
| 03/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.
|
| 08/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
|
| 02/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.
|
| 08/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2019 I called Santander bank to have my monthly car payments withdrawn on theXX/XX/XXXX of every month starting XX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at Santander that I was all set up and my automatic payments would startXX/XX/XXXX. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called Santander and was told they have been having computer issues and will fix my account. I paid them Santander XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called Santander to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.
|
| 04/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Santander has not removed the tradelines from my credit report in my wifes name. They agreed to do it based off the lawsuit settlement. I disputed for them to remove and they refuse to. I even disputed with the three major credit reporting companies.
Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
|
| 01/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently.
Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open?
They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.
|
| 03/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
They keep calling me and upsetting me about payment on our car loan but they are not sending any statements out so we can pay them my lawyer told me that they are suppose to do that and they are not to charge us any late fees if they are no send any statements to pay them. we both have been sick and have not been able to work yet but we are XXXX and have rights like everyone else has to have respect from other people and they must not go to church to learn how to treat people. Can you please help I have had to block them off of my cell phone and disconnect my phone just because of them idiots. My lawyer said they are not to have any contact with me until they send me the right stuff to pay a payment and to erase all the days that it is late. they are to work with us on this I thought since we were XXXX XXXX years of age they would have more compassion and understanding and help us out my lawyer said if they keep doing what they are doing he will sign a court order to make them say that the car is paid in full and quit upsetting me and making me sick. we have had other bills and medical expenses come due so we had to cut something out and still so far behind but hopefully we will get caught up.
|
| 06/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.
|
| 05/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink
|
| 04/18/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2015, the Jeep wrangler I was leasing from Chrysler Capital was totaled in a car accident. My insurance carrier submitted a check in the amount of {$37000.00} to cover the balance of the lease pay-off. Chrysler acknowledged that the check was received in their mailroom, but was somehow lost. I contacted Chrysler to find out the status of the pay-off check several times.
During this time I continued to make the scheduled payments which were due on the XXXX of each month. I was also required to pay a {$490.00} lease return fee, even though the car was not returned, but totaled in an accident.
Chrysler accepted my payments and assured me that they would credited to my account because they were not late and my credit would not be adversely affected because I continued to make my scheduled payments. In fact Chrysler Capital sent a refund check for approx. {$1700.00} to reimburse me for the payments I made during the time they are claiming I was late paying them.
This turned out to be untrue, Chrysler intentionally reported late payments on my credit even though I made my payments within the time frame required.
Attached is a complete history of my payments to Chrysler Capital.
|
| 12/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA should have removed the account off of my credit report and forgiven the loan due to their subprime loan predatory practices. I purchased the car from XXXX and was financed through Santander in XXXX of XXXX and had already had a vehicle with XXXX that had a car payment of over {$350.00}. They did not ask for proof of income or verification of income. Santander could see on my credit report that I already had an auto loan that was behind on payments and the amount of that loan. They still approved for the loan with little down but the interest rate was super high. The payment amount was about XXXX and added with my other car payment the amount was over {$800.00} for two cars. I tried to make arrangements with Santander back in XXXX of XXXX because I was several months behind and was in default. Then the wildfires began in my area and prevented me from being able to work but they would not help.
Then I see that there was a class action against them with 33 other states involved and that notices would be sent by the end of XXXX as of today I have not received one as I believe I qualify. My address has changed. I want them to remove the loan from my credit report asap.
|
| 11/01/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
My lease ends XX/XX/2019. And due to certain circumstances, I wanted to sell the leased car to a 3rd party vendor before my lease expires.
XX/XX/2019 : I called Chrysler Capital to evaluate my options and if I were able to sell the car to a 3rd party dealer. I was told it was an available option and that the dealer would need to call Chrysler Capital for the dealer payoff quote, but no one ever mentioned any time restrictions XX/XX/2019 : When I was about to finalized the transaction with the 3rd party dealer and reached out to Chrysler Capital for the dealer payoff quote, I was told that was no longer an option as it was within the 60 day windows of my lease termination. I literally missed my 60 day window by 1 day.
No one had informed me of this 60 day window, not even when I called on XX/XX/2019 when I had inform the call representative of my intention to sell to a 3rd party dealer. I reviewed my lease contract and I also dont see it written anywhere.
Because of this lack of transparency, it has completely derailed my original financial plan. Chrysler Capital needs to make these restrictions more conspicuous. I still dont know where this 60 day restriction is listed on my lease.
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.
|
| 09/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ).
Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid.
Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
|
| 09/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I went to XXXX XXXX for a consumer credit transaction who then extended my credit to Santander bank. They furnished a contract obligating me to pay certain fees. Among these fees was a finance charge that did not include insurance which I had pay separately from the finance charge which is illegal under TILA 15 U.S.C 1605 ( C ). They also violated 15 USC1605 ( a ) which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction meaning {$1600.00} in cash they received as a down payment was also illegal. This constitutes fraud which voids any contract. 15USC1692 ( h ) states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. They have never presented proper paperwork or any paperwork for that matter of my right to rescind this transaction pursuant 15USC 1635 ( a ) ( b ).
|
| 10/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
It all started at the beginning of the loan. The loan was funded via Santander in which at the start was a challenge. I did not get a bill till about two months later because the funding was ( from what I understand ) delayed because of approval. I did take delivery of the car however, the contract had to be shipped to me while I was in Hawaii. I had someone come out to notarize the signing. There were many issues prior to taking delivery of the vehicle in which my son had to take delivery of it as I was still out of state. I am on a fixed income and did not have the best of credit. I started to immediately fall behind and then started to seek out assistance from Santander. To date they have referred me to the XXXX in Arizona to file a complaint and to inquire about the multi state lawsuit for prefatory lending and other illegal, unethical practices by Santander. I am getting the run around to find out about my status in this class action lawsuit and therefor my complaint today. Can you have the organization put my name on this list that they have to forgive this loan and send me the title as I know I am a victim of their business practice than landed them with this lawsuit settlement.
|
| 03/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Well I went through a divorce! And myself and my x name are on the car. Ive requested several time over a yr to have statement sent to me. They refuse to do so Ive asked to take my x off the loan due to hippa and court order stated that my x was not responsible for such as car is paid off and all taxes was my problem. She had no owner ship! Also Ive requested several time to have a lower payment. Was told they cant. They due not report accurately to the credit bureau and I have no clue what my payment are going to. They refuse to send me a statement to file bankruptcy with. So they prolonging the process. I talk to several people and a lady from the office on the XX/XX/XXXX! Was told then I should be get my statement. This problem if or when I pay this automobile off they will send it to my x which I will never get my x should not be on this account. Im XXXX and they harassed me to the point I told them to never call me Ive been stress out to the point with them I have to take medicine but they send me emails all the time to buy another car athough they cant send me my statement. Chrysler capital is one the worse car loans I ever have!! I do not recommend them they lie and mislead u ..
|
| 01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
I am coming off a lease with Chrysler for my XXXX XXXX XXXX. I decided to buy it and was referred to this company Santander who apparently handles the buyout. I filled out some paperwork and got a pre approval. They sent out additional paperwork which I filled out and returned. They told me there was some additional underwriting. I didnt hear from them so I shopped out another rate from a local bank and got a much better deal. So I sent them a termination email early this morning XX/XX/XXXX @ XXXX explaining that I wanted out of their loan. At XXXX this morning, I received an email that my loan has been funded. I called the loan XXXX and she told that I can't get out of it now. I asked her why it took so long to hear back from her and that my application was still in underwriting and that I didnt commit to anything at this time. She apologized and said she was out of the office and couldnt back to me on a timely basis. I then called the XXXX customer service number provided on their approval email and was put on hold for XXXX minutes just to have a recording come on and say that everybody was in a meeting and to call back. What a scam! I am furious! I want the loan from local bank! i
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I purchased a toyota corolla from the dealership. Santander Consumer USA was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And Santander 1099A for the first two months car was reported as paid as agreed then Santander in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note Santander Consumer USA was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
|
| 01/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
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
|
| 06/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I spoke to the original company with DEBT and they said that the TRADELINE HAS been DELETED for that supposed debt. According to the original debt company the TRADE LINE was already deleted and no one after that should be contacting me that I owe a debt. When none of the information on file for that debt collector for me was inaccurate. But according to XXXX IN NY, I still owe the money to the original debt company. I told them I found out about the debt bc I am getting ready to buy a home and the individual from that company told me " I WILL NOT BUY ANYTHING TILL I PAY THEM OFF FOR THIS DEBT '', the individual that I called was harassing me bc I will not be able to buy the home am looking to buy bc of this debt. He also told me that he knows what happen bc I did not know the address he had on file for this debt, he was saying that I did all of this and that he already heard all the excuses so that whatever I said was not true at all. When I told him I was not even in the state during that time frame of the debt and not to mention the address they have on file I do not even know. I forwarded XXXX the letter from SANTANDER the original debt company that the TRADELINE has been deleted.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
|
| 11/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I have a loan with Santander, Account # XXXX, since XX/XX/XXXX. I had a total loss of my vehicle on XX/XX/XXXX. I paid my usual payment in XXXX XXXX. It was applied to my account. My insurance company issued a check to Santander for {$22000.00} on XX/XX/XXXX. Santander did not post monies until XX/XX/XXXX and did not apply monies to principal. They divided it among interest and fees. I had a warranty check ( {$1200.00} ) issued to Santander which they posted on XX/XX/XXXX and applied to principal and interest. If they had applied the total of {$22000.00} and {$1200.00} then I would not owe as much. I have attempted several times to reach a supervisor and accouinting with Santander but unable to after lengthy hold times. At this moment, they are saying I still owe {$600.00} that is valid through XX/XX/XXXX. I believe this needs to be furthered evaluated. I am trying to pay off the reminder of the balance but I feel like the monies should be applied to the principal and not interest or fees becuase more principal that is left the more interest is accrued and more money for them. Look at last image ( 2185 ), after I emailed them they always take off transaction history just like today.
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time.
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else
|
| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}.
I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account.
The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed.
THis action on Chrysler 's part is affecting me. Please assist.
|
| 04/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a white XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The vehicle was valued at {$15000.00} and adjusted to {$13000.00} as a price match to their online service. Prior to this transaction, I have no credit information due to being twenty and just leaving college. The car was financed upside through XXXX XXXX with a 20 % interest rate, with no GAP insurance applied. This totaled the balance at {$17000.00} as the estimated payoff, unknown to myself at the time. While working with the associate, there was no mention of this insurance protection from the automotive sales rep or XXXX XXXX. All paperwork for the vehicle was not done in my presence.
As of XX/XX/XXXX, the car has been deemed total loss with no way to repair. Currently, XXXX XXXX has applied {$12000.00} as the value of the car and what they will pay, and XXXX XXXX XXXX XXXX XXXX canceled my contract of service for {$1400.00}. This will leave me with a XXXX XXXX dollar balance that I am currently unable to pay. I am unemployed and seeking to return to school. This process and inability to protect their consumer has led me into an upside down situation from the first day I walked away with the vehicle.
|
| 03/09/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.
|
| 06/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
In XXXX of XXXX I purchased a XXXX Platinum Extended warranty with my used car. My car was a XXXX XXXX XXXX XXXX with XXXX miles on it. The warranty was purchase at XXXX XXXX in XXXX, Maryland with a XXXX XXXX who advised me it would cover most everything. However the vehicle was repeatedly denied warranty work by XXXX when I tried to use it. I complained to oversite agencies and to the phone team. The phone team became incredibly hostile and tribal during the process. The XXXX ladies screamed at me when I asked for a supervisor and put me on endless holds. Many cases with XXXX and the dealer shops were opened. They sabotaged the billing and cancelled the plan after yelling XXXX XXXX type stuff at me. They even asked if I voted for XXXX. This is retaliatory and illegal. Please provide me the reason it was cancelled. Please provide me an entire billing history. Please refund all amounts paid into this account. This level of XXXX tribalism and financial scheming has no place in america. I saved the recorded calls for court. Please provide the amounts I paid in and the address to subpoena stuff. If the warranty isnt immediately refunded or retroactivated with no lapse I will sue.
|
| 08/30/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Servicemember |
|
In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.
|
| 09/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a used XXXX VW Passat in XXXX XXXX for {$18000.00} from XXXX. The car was financed by Santander. I have made 49 payments on the car at a payment of {$530.00} per month. As of XXXX XXXX, I have paid over {$26000.00}. I still owe XXXX on the vehicle. Since buying this vehicle, I have read numerous complaints about this company overcharging customers for car loans.
Earlier this year my car had to be repaired due to mechanical issue. I called Santander to ask if I could get an extension on my car payment for that month. I had to call back in ten days for a response all while my car payment was due. The extension was denied because of this late fees were attached to my bill.
Santander calls you even before your bill is due. I have received calls on Sunday and numerous times throughout the day. They charge outlandish fees to pay your bill online or by phone. I called Santander to ask them if I could refinance my car and was told they do n't refinance cars. I have tried to get my car refinanced with other companies but was told that my car has negative equity. Basically, I owe more on the car than it is worth. Is there a class action lawsuit? If so, I would like to join.
|
| 07/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Over charging of interest on auto loan. I purchased a XXXX Volkswagen Jetta on XXXX XXXX, XXXX in the amount of {$20000.00} and on XXXX XXXX, XXXX I went to trade the vehicle in and was told that I still owe {$19000.00} and the value of the vehicle is only {$6000.00}. I called to speak with a representative at Santander Consumer USA with whom I have the car loan with and they confirmed that the payoff amount for the vehicle is {$19000.00}. I inquired why I still owed almost the same amount on the vehicle after paying {$520.00} for 24 months that I purchased it for and was told that the simple interest loan that I have draws interest everyday whether I make on time payments or not and that they added to the {$20000.00} an interest amount of {$17000.00}. I told the representative that amount was not disclosed to myself and the co-signer on the vehicle. Back in XX/XX/XXXX I had to defer two payments and then another two payments in this fiscal year due to a car accident I was in and could not work. I would desperately like for someone to help me with this problem as I would like to trade this vehicle because of so many mechanical problems. Thanks in advance for an help you can give.
|
| 05/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.
|
| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I bought a XXXX XXXX XXXX From XXXX XXXX in XXXX Nj. On XX/XX/XXXX. After purchasing it i read about 2 Warranties that im paying for, so i call both companies to cancel the warranties, 1 company XXXX Cancels the warranty and sends a check to my lender santander usa. The other company says they cant cancel it, and that i need to contact the dealership in order to cancel it, so i do just that, on or about XX/XX/XXXX i text my salesman XXXX XXXX And he says send him a copy of one of payment payment receipts and my drivers license, i did send it to him at XXXX and he said it would be taken care of, i waited a few weeks and they still have not sent the {$900.00} plus check to Santander Use for this bogus tire and or rim warranty, when i call them they keep saying they have no idea what to do. So i went into the Dealership ( XXXX XXXX ) and talked to XXXX the sales manager on or about XX/XX/XXXX. He brings out a paper for me to sign and tells me the check will be sent to santander in a matter of days. And here it is almost a month later and i call Santander Usa and they say the have not received anything from XXXX XXXX. I need help because they just keep giving me the run around.
|
| 04/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Santander Consumer USA Inc. presented me with a " Limited Time Settlement Offer '' in which they clearly stated that if I were to pay 30 % of the principal balance due it would " settle your account in full. '' I had entered into a potential Class Action suit against SCUSA and when presented with this offer to " settle in full '' my account I paid the amount well before deadline and removed myself from the Class. The letter clearly implied that my account would be settled in full for paying the amount stated ( {$460.00} ) by XX/XX/2014. I paid the amount of {$460.00} on XX/XX/2014 with the understanding that my account would be shown as paid in full ( per SCUSA offer dated XX/XX/2014. I discovered that SCUSA was reporting my status as Collection/Charge Off and remarks showing that the account was settled less than full balance. This was not what they presented in their offer. I feel that SCUSA used deceptive tactics to get me to settle my account and did not fulfill their part of the offer they presented to me and that I accepted. Despite numerous attempts to get this corrected with the Credit Reporting Agencies, it has never been resolved to report as paid in full as offered.
|
| 07/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me.
Thank You
|
| 07/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.
|
| 07/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
|
| 07/07/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
|
| 04/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I have held account number XXXX with Chrysler Capital since XX/XX/XXXX on account of the lease of a XXXX RAM XXXX bearing VIN XXXX.
On XX/XX/XXXX, I tried to obtain the " Dealer Payoff '' from Chrysler Capital since I was in the process of selling the aforementioned vehicle. However, after repeated contacts with members of their team, I was denied the request and no logical explanation was offered.
I sold the vehicle on the same day ( XX/XX/XXXX ) to XXXX located in XXXX, NY and they used the " Customer Payoff '' information provided by Chrysler Capital to determine the payment amount. It is my understanding that XXXX has paid the entire sum of {$23000.00} from the " Customer Payoff '' statement, including the tax amount of {$1800.00}. It is my understanding that XXXX can not be charged any taxes because they're a car dealer. Also, since Chrysler Capital has not sold the vehicle to me, they can not charge me the taxes.
Accordingly, I need Chrysler Capital to refund me the {$1800.00} that shows on the " Customer Payoff '' statement. I sent a letter to Chrysler Capital by mail on XX/XX/XXXX requesting attention to the matter. Happy to provide any additional information.
|
| 04/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a charge off account from Chrysler capital on XX/XX/XXXX that has been reporting inaccurately. At the time of the charge off reporting I was going through the settlement process for my vehicle being defective. I was no longer in possession of the vehicle, however the dealership sold it to another consumer without noting the defects and then close my account out as a early lease termination. I was advised by Chrysler settlement team to leave the vehicle at thus local dealership in XXXX XXXX California in XX/XX/XXXX. In XX/XX/XXXX I was reimbursed by Chrysler capital & the FCA as the vehicle was a lemon. They did not process the buyback correctly and instead wrote it off as a charge off on my credit report. I have given everybody copies of the release agreement as well as copies of the settlement check. However, three years later it is still reporting on my credit card resulting in me getting disapproved for financing. Additionally I have given this information to XXXX, XXXX XXXX, and XXXX who have not taken action Everybody is pointing their fingers at each other and sending me in a three-year loop. There should be no question as I have documentation from my FCA case
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT
|
| 08/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.
|
| 09/11/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.
|
| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.
|
| 10/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a car over two years ago and Santander Consumer USA financed the loan. I was not aware at the time that the interest rate was over 16 %. This high interest rate raised my car payment to well over {$640.00}. At the time of purchase I was able to make the payment but after being demoted and pay rate being decreased, I contacted Santander for help and they offered me an auto loan modification for six months which lowered my car payments to a little over {$380.00} and I was able to make the payments for that time. I decided to seek another car and attempted to trade the car they financed in for a cheaper and more affordable car payment only to find out that the pay off for this vehicle was over {$30000.00}. I was told by the dealer that I was victim of a predatory auto loan where all of my payments were only applied to interest and not principal. I am trying to find out if this type of loan is legal and is there anything I can do to get them to lower my auto payments. The dealer stated the large payoff amount is the reason why I can not get into a cheaper car and why my principal payments are not going down? I have made payments in the amount of over {$12000.00}.
|
| 08/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
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.
|
| 06/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent santander a letter on XX/XX/2018 ( letter attached ) and ask for A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.They only sent a copy of a retail sales contract that no one from santander signed. They did not validate the debt.Under the Fair Debt Collection Practices Act, I have the right to request a validation of the debt and prove that I am indeed the interested party who is contractually obligated to pay this debt.I have attached a Certified XXXX information request showing they do not have a lien placed against my name. This is unfair and fraudulent business practices for lack of full disclosure according to regulation z of the Truth in Lending Act. I would like to know how this company is using my social security number. Santander have been calling my phone repeatedly ( 4 times in one day back to back ) and they have not validated this debt. Santander have been know for unfair business practices in the past and this company needs to be put on notice for unfair business practices.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine.
12. Identity Theft SANTANDER Account Number : XXXX This is not mine.
13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
17. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine.
19. Identity Theft XXXX CARD Account Number : XXXX This is not mine.
20. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine.
Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine.
Identity Theft XXXX CARD Account Number : XXXX This is not mine.
|
| 04/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.
|
| 01/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I got a car loan with Santander on XX/XX/2016 and my first bill had come in two days before it was due! The other options for me to paying so it was n't late was by phone or the site itself, the catch is that they 'd charge you a XXXX dollar fee just to get it paid. Second month comes around and I receive no bill and the due date is coming up on XX/XX/XXXX. XX/XX/XXXX comes around and I receive a bill that had stated that it was sent out 16 days ago " hence that 's longer then two weeks '' XX/XX/XXXX. My second payment was in a form of a check sent out on that day " XX/XX/XXXX ''. It is now XX/XX/XXXX and my bill has not been paid!!! Calling costumer service that 's listed on the back of the statement is telling me there 's a XXXX party that 's involved with the statements and when i ask for there information so i can fix the problems the supervisor ( XXXX, badge # XXXX ) tells me she ca n't " disclose '' that information!!!!
I have bank accounts with many other providers that have n't even given me the smallest of problems. All I want to do is pay my bill on time every month with out any problems.
Any help you can give me would be grateful my email is XXXXXXXXXXXX
|
| 03/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.
|
| 02/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my boat loan on XX/XX/2022. Since then I have been trying to contact Santander Consumer USA to get the title but since my account is paid off, it is no longer active. When I try to call Santander, without a valid account number ( mine is apparently deactivated ) the phone system does not allow you to continue. I have used their web portal to send at least 4 emails over the past 4 weeks and none have been answered. I tried calling a local office ( XXXX XXXX - recording says office now closed ) and their headquarters in XXXX ( published number only allows you to enter your extension to gather voicemail messages- sounds like this is for employees only ). I have searched the web and tried every number I can find- it seems there is no way to reach this company.
I need to sell my boat but every month that Santander does not send me my title it costs me another {$300.00} in storage fees. What kind of a company has no way for its customers ( immediate past customers anyway ) to contact them, and actively ignores emails?
My next stop may have to be my attorney if I can not get this resolved. Thank you.
P.S. attached screenshot shows my account paid in full
|
| 08/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
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
|
| 09/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!
|
| 03/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Yesterday, XX/XX/XXXX, when I was getting ready to go home after work, I couldnt locate my vehicle. I started to panic. There arent any notice or anything. So I called the sheriff. Turns out, it was towed by the finance company I loaned the car from. I am 6 months XXXX, with a very complicated XXXX, and I have no car to get home. I was stranded and didnt know what to do. I was asked to call the company, someone answered and told me to call back at XXXX the next day. So I did. I was given XXXX different numbers to call, one after the other. Finally it was confirmed that it was repossessed.
I was struggling to make payments ever since the pandemic so I requested for extension which they granted. But i still cant pay back that balance. I was still making one payment after the other. Anyway, I called and talked to the lady. I explained to her that I need to retrieve some important items in my car which is my presciption medicine. She said my appointment is not til Friday morning. Its only Wednesday. Shes expecting my XXXX XXXX to settle down on its own until then? This is so inconsiderate. I know I owe money and I am willing to pay, but this is against human rights.
|
| 04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
|
| 08/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.
|
| 01/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.
|
| 05/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I filed an Chapter XXXX and learned for the first time that I owed Santander. I reached out to Santander to learn that the purchase debt from Gateway One Lender that had been paid in full. I explained to Santander that the account was paid in full at Gateway Lender, they did not want to hear that. And states that they would not be removing the claim from my chapter XXXX claim. This claim was filed fraudulent and should have been removed upon request and should have never been sent. My original claim was with CFPB on XX/XX/XXXX claim # XXXX which clearly states that the car was paid in full and I also, have the title to the car. Please refer to the attachment that has been attached. this attachment was from Gateway One Lending.
Between Gateway One Lending and Santander, you need to take full responsibilty for fradulently reporting a claim that you are not entitle to. As Gateway One was paid in full in XX/XX/XXXX. Why would you be placing a claim in XX/XX/XXXX for XXXX.
I do not owe you or Gateway One Lending anything as this was paid in XXXX. Please stop reporting fradulent claims.and send a letter stating that you have removed this claim for my chapter XXXX
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.
|
| 05/23/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account in question is regarding a vehicle leased in XX/XX/XXXX. I traded this vehicle in on XX/XX/XXXX. I told the dealership the payoff amount and the date at which this payoff expired. I called Chrysler Capital several times in XX/XX/XXXX to confirm they had received the pay off for the account. I was told the amount was received on XX/XX/XXXX and that the funds were being processed. I was also told I no longer needed to worry about the account and no further payments would be required. On XX/XX/XXXX, Chrysler Capital reported my account 30 days past due. After logging in to my online account, I can see that the {$47000.00} payment was marked effective XX/XX/XXXX. I do not believe this account is past due, or was ever past due, and the fact that the payment was marked effective XX/XX/XXXX proves this. My personal credit has gone down over 40 points due to this, and my business line of credit has been reduced due to incorrect information reported on my credit report. When I contacted Chrysler Capital they advised me there was nothing they could do, and that it was my fault the account is delinquent even though their own transaction history says otherwise.
|
| 04/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.
|
| 09/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Dear Sir/Madam, I had taken out a loan on auto from Santander bank , in 2014 , i paid off the loan on first week of XXXX . I asked the bank as well notified by confirming with the consumer bank team that the loan is paid off. Since then i am have been getting a run around from address confirmation, shipping of title , release letter and so on, everytime i call a new supervisor comes on board and gives a new story where they say the title and lien release letter has been sent via XXXX XXXX , sometimes they regular mail, 7-10 business days, recently employee XXXX supervisor refuse to verify anything, providing incorrect info from all previous supervisors. she again stated a new ship date which was again XX/XX/XXXX and she turner around and stated, its has to be notarized and a lien release -letter sent and then may be days ..she never wanted to give accurate info. I am very upset , since i recently sold my vehicle and the gentleman who bought was with at the bank as they told him 7- business days, but up till no i am getting run around . Please i need some assistance or push the bank to act and take responsibility for their actions.i can be reached at XXXX
|
| 07/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had a car that I was paying on that I purchased at XXXX and financed through Santander Consumer USA that I could not for a couple months due to being sick and needing XXXX which I got fired for, lost my job and said I could n't pay on it due to this but as soon as I can ill pay the remaining balance. and continue paying. I was n't given that chance they sent a tow truck at XXXX to get the car and then said the only way to get the car back was pay the full amount of the vehicle. which no one can do. then the nex t 2 weeks sold the car for XXXX and wanted me pay back XXXX and I only got the loan for XXXX I also tried to sell back the insurance to XXXX but XXXX needed the millage from the vehicle and a document from Santander stating it was no longer in my position with the mileage so they would cancel the extended warranty. Santander Consumer USA does not try to help and wont release me any information only wants me to pay XXXX and I should n't owe this as they came took the car and sold it without question or allowing me to catch up on what I owe. and sai d one month on credit report I owe XXXX and the next XXXX so which is it really?
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SANTANDER has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.
How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
|
| 09/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 03/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
Servicemember |
|
XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration
|
| 03/02/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Last year I bought a truck and after the very first payment was made Some people called me and told me that they were some kind of mediator for a company and asking me to make a statement that I owe on a truck that was defaulted on ten years ago they wouldn't provide anything showing who they are and I ended up giving them {$1500.00} because they said they would take that as settlement even though they still wouldn't provide documentation on who they were and gave me a receipt in my email saying paid in full I lost the receipt I paid with my credit card and I have proof that I paid, I bought a vehicle last month and paid the first payment and they called yesterday saying that I stopped making payments and wanted the paid in full receipt that I no longer have from a year ago I explained I spoke to someone at their office and that was the settlement price that they told me paying this amount would take care of the problem they still wont provide documentation on who they are so far all I know I could be getting scammed on a debit that was owed ten years ago they are threatening to call my boss and they only gave me u til XXXX XXXX. yesterday to make a decision
|
| 11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car
|
| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have been paying Santander Consumer for 4 years on my XXXX XXXX XXXX, and I owe the same amount as if I just purchased it.They also just Jack up the amount that they claim I haven't paid on the car to about 3,500.00 and Repo my vehicle. I don't owe this amout, and they took Mr car on XXXX XXXX without my knowledge in a different state. I was informed one time that they would Repo the vehicle about 4 months ago, but I made arrangements to pay, and this is wat I have been doing. This company let me in my small kids XXXX in Florida cause they illegally Repo my car.Here is a payment his I have been paying when they said they were going to Repo my car.I was working part time, and receiving XXXX until they cut my benefits off I got behind but I made arrangements with them, and I never thought they will go off there word.Here are the payments ... XX/XX/XXXX I PD. XXXX, XXXX I paid XXXX, XX/XX/XXXX I paid XXXX, and they gave me an extension for XXXX, and XXXX in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, in XX/XX/XXXX I made 2 payments for XXXX, and XXXX.It 's not that I haven't been making my payments.They also claim I still owe the same amount as if I just purchased it.
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan?
His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer.
Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 04/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ).
This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank.
In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX.
Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by Santander Consumer USA XXXX.
Santander Consumer USA sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but Santander did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days.
This seems like double jeopardy. Santander sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or Santander is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report.
In this case, who is the legal owner now? Santander or XXXX XXXX. Santander must comply with the terms that were made after they sold the debt.
|
| 12/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX
|
| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
Went in for their XXXX special on XXXX XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.
|
| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In XXXX of last year, the Santander bank accepted a loan for me to take out an XXXX XXXX XXXX car with XXXX, due to the high fees. I spoke with my bank, XXXX XXXX XXXX, and they approved the refinancing. To date, the installments were up to date, on XX/XX/XXXX they sent me the pay off of the total car debt, immediately send this to the XXXX XXXX XXXX. and XXXX XXXX XXXX paid XXXX Santander the value that Santander had sent in the Payoff. Last week I received a bill for almost {$1400.00} dollars after two months of having settled the car debt with XXXX Santander, I called XXXX Santander because that bill had arrived. For which the loan had already been closed with them, they only replied that the entire debt was not paid, I called my XXXX XXXX XXXX and told them about the situation with the Santander bank, then they told me that it was not Bank 's fault of America, because they paid the payoff that the Santander bank sent me to pay them. To this day I don't understand why two months later they send me an invoice for {$1400.00} dollars and I'm out of work, and Santander calls me all the time to charge me if not, they report me for damaging my credit.
|
| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified
|
| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with Santander that beca me 30 days d elinquent in XX/XX/XXXX . The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX . According to the FCRA 623 ( a ) ( 5 ), this account should be re moved from my credit report. It has been re-aged by the original creditor to reflect a different date of default. The account has been aged more t han seven year s from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from XX/XX/XXXX sh owing the original status of the loan, prior to it being paid in full. I have disputed the information with XXXX XXXX XXXX , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency ( XX/XX/XXXX ) and the date of first delinquency reported ( XX/XX/XXXX ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
|
| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I leased a XXXX XXXX XXXX in XXXX of XXXX. I always made my payments on time throughout my lease. I traded my jeep in for another vehicle around end of XX/XX/XXXX. They received a check for balance of my loan and they received the title on or around XX/XX/XXXX. Since then, they have had my account as past due. I have contacted them several times, as I didn't want anything on my credit report. They stated that they had the check and it was pending and they shouldn't have anything on my credit report. I recently looked at my credit report, and there was a " 30 day late payment '' on my report from them, in which my credit score dropped over 30 points. I contacted them and they put my complaint through accounting. They told me to give them 5 to 7 business days so they can take care of it. This was on XXXX XXXX. I checked my credit report on XX/XX/XXXX, and the derogatory mark was still on my credit report. I called them again, and they informed me that they didn't report it as late payment. They told me my account was cleared and they reported " on time payment ". I asked them to remove that credit reporting error, and they informed me that they couldn't.
|
| 07/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Managing the loan or lease
|
|
Web |
|
|
I leased a XXXX XXXX in XXXX XXXX for my daughter from Chrysler Capital. Recently she was relocated by her employer and no longer needs the car. I have found a third party ready and willing to make the lease payments and use the car for the remaining 26 months of the lease. My lease with Chrysler Capital is very clear that they will permit a sublease unless they believe in good faith that the sublease will jeopardize their rights or increase their risk. Under the Sublease, I would continue to be Chrysler Capital 's lessee and hence, Chrysler Capital 's risk is unchanged and their rights are unaffected.
In several phone discussions with Chrysler Capital, I got nowhere. They finally said that any such solution was not available with no further explanation. I wrote to Chrysler Capital on XXXX XXXX formally requesting their consent, they did n't respond. I have written to them again today.
So instead of having a third party cover my remaining {$7500.00} of payments, I have the XXXX XXXX sitting in my driveway where it will remain for the next two years unless Chrysler Capital provides the consent. I will continue to make the payments but this is wrong.
|
| 01/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately.
I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not.
I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate.
The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact.
During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information.
Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.
|
| 04/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
On XX/XX/XXXX, I was involved in a total loss accident in a vehicle that I purchased using the lender XXXX XXXX. Approximately 6-8 weeks later, my insurance company at the time ( XXXX ), along with my GAP insurance company ( XXXX ) paid this lender the amount remaining on the loan balance! The auto finance company then claimed that I still owed them an amount of about {$2600.00} for late fees. This is incorrect as in XX/XX/XXXX I had paid them up to date on the amount I was behind which was only a few months and everything was current. Now since they have continued to deny that this {$35000.00} loan was not paid in full, they have continued to add late fees, interest and anything else possible to run up this tab on a vehicle that's in the junkyard. They have forwarded it as a charge off and the amount has rose to about {$6500.00} and continues to climb. I have done every thing in my power to resolve this but its not right that I am continuing to be affected by this. They report to the 3 credit Bureau 's every month that I'm late on my payment and it is causing me a real struggle to keep my credit score from crumbling. Any help is greatly appreciated.
|
| 05/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years.
Best Regards, XXXX
|
| 11/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I XXXX XXXX, a consumer, made a consumer credit transaction with XXXX XXXX on XX/XX/2021 in good faith. After obtaining my vehicle registration I noticed a error on my title ( XXXX XXXX XXXX ). Santander Consumer USA is labeled a lien holder on my title but i have no account or loan with this corporation. I contacted Santander Consumer USA about this error and they confirmed my title is in their possession. After noticing the title was in the system, I informed Santander Consumer USA that an error was made and asked them if the corporation name could be removed from my title and if they could contact Pennsylvania Department Of Transportation and electronically remove this lien. A supervisor of the corporation informed me that it is no known fact of why the error occurred but Santander Consumer USA are not able to release my title and remove their name as a lien holder. I also contacted the Pennsylvania Department Of Transportation about this matter and they gave me supporting documents verifying Santander Consumer USA as the lien holder on my vehicle. This matter is now considered fraud and Santander Consumer USA was notified that an error was made.
|
| 04/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.
|
| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states.
My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA.
I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA.
Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.
|
| 01/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX.
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX.
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX.
The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX XXXX.
I tried reaching out XXXX XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX.
They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them.
All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ).
Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.
|
| 12/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership.
Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ).
I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference.
Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.
|
| 10/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
This account is in litigation. Santander exposed me to high levels of risks : a high loan to value ratio, backend fees, high payment to income rations so when the car was totaled the amount due was inflated.
The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} was paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would have been paid off. I had full coverage and gap insurance. I settled with Santander XX/XX/XXXX for {$3300.00}.
I have also been contacted by Virginia 's Attorney General about a class action lawsuit against Santander for deceptive practices by specifically targeting vulnerable Virginians who were more likely to default on their car loans, subjecting them to unnecessarily high-risk loans, and misleading them about their rights as consumers. I am one of those individuals those individuals whom were misled. Santander would not work with me.
|
| 12/21/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX.
This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX.
As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow.
If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
|
| 07/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
1. I purchased a vehicle on XX/XX/2017, the lender was Santander 2. The loan terms are : {$17000.00} XXXX months 21.55 % APR XXXX. I have noticed my principle balance has failed to reduce to level that would allow for the loan to paid off at the end of XXXX months.
4. I have requested an amortization schedule from lender Santander several time but they fail to produce one. I was not given an amortization schedule when I singed the loan.
5. I have only been given a payment history that shows the principal payments are erratic and low, even as the payment shave progressed now into the XXXX year of the 6 year loan. I was never given any terms surrounding a balloon Thank you payment due at the end of 72 months.
6. I have been consistent with making my monthly payments on time XXXX. It appears there will be an enormous sum due ( several XXXX dollars ) at the end of XXXX months. I have paid off other vehicles before and have never encountered this type issue, uncooperative response from the lender, or potential predatory practice.
8. I am requesting for this to be investigated and remediated, with my principal balance to be adjusted accordingly
|
| 02/08/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!
|
| 04/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Servicemember |
|
I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed.
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.
|
| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 I paid my auto loan with Santander USA at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and XXXX. Upon calling Santander, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was PST or CST ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). Santander is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
|
| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them
|
| 07/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.
|
| 04/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX I lost my job unexpectedly and could not make my payments so I ended up getting 6 months behind and I spoke with Chrysler about the issue was able to make a large payment to catch up the behind payments costing {$2700.00} in XX/XX/XXXX. I was able to make my XX/XX/XXXX payment at almost the double amount of {$770.00}, my payments are normally {$390.00}. I missed XX/XX/XXXX and XX/XX/XXXX and again I called Chrysler and made arrangements to pay weekly the amount of {$390.00} to make up any missed payments. It is now XX/XX/XXXX and I have not missed another payment and all payments have been made on time since XX/XX/XXXX but on my credit the loan is listed as " charged off ''. I have contacted Chrysler about this numerous times and no change, I have even contacted Chrysler executives to correct this. The car was never repossessed and I still have it and I am making the payments still. I didn't know it was charged off until I went to trade it in on another vehicle and the dealership wouldn't take it because it was a charge off. I can't get Chrysler to change the status to " paying as agreed, was a charge off '' or " redeemed repo ''.
|
| 09/20/2017 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.
|
| 12/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XXXX XXXX repossessed the vehicle on XX/XX/2018. We reinstated the loan on XX/XX/XXXX, which included the repossession fees of {$700.00}. There was to be another {$120.00} that would be billed at a later date. That was told to us by XXXX and the company the repossessed the car, which was fine. Since we reinstated the loan, XXXX has charged an additional {$700.00}, {$15.00}, and {$170.00} respectively at different times. There has been no explanation as to what the fees are. They are placed under " other ''. I have sent XXXX 2 different letters disputing the charges and they have not responded. As you will see through the documents provided, all past due amounts, late charges, and repossession fees were paid on XX/XX/XXXX ( please see " transactions '' ) I paid the exact amount they said in their certified letter that was needed to reinstate the loan. ( see reinstatement letter ) In addition, I have provided the statement from the repo company that all fees are to be capped in {$120.00} ( see vehicle release fee cap ). Finally, as you will see through my documentation, XXXX has failed to produce a statement for me since XXXX ( see statements ).
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
|
| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing.
This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account.
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed.
Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX
|
| 05/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XXXX / XXXX / XXXX , I contacted the my XXXX XXXX XXXX XXXX by the nam e of Santander Consumer USA, Acct # XXXX , asking that they send me verification of the debt that supposedly I owed in the amount of {$700.00} ( XXXX ), {$1100.00} ( XXXX ) & {$0.00}, t hat 's appearing on the Credit Files. I stated that the account had been paid after the company repossessed and returned the vehicle to me and I paid off the debt and received my title to the vehicle. If I still had a balance why would the company issue my title to me.. As of XXXX / XXXX / XXXX , Santander has stated that the information has been vertified. I wanted to see how they arrived at this amounts, listed above or remove the information from my credit files ; I also disputed the entry with the credit Bureau, such as XXXX , XXXX & XXXX , all XXXX ( XXXX ) have reposted verified the information. When I contacted the credit Bureaus by phone, I asked what information was provided by the company to support the amounts ( such as contract with my names, bill or etc ) and was told to contac t the Creditor.
Kind Regards, XXXX XXXX XXXX
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}.
Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal.
Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.
|
| 05/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
We applied thru Chrysler Capital and was pre-approved. When the dealer sent the deal in instead of getting us 0 % Chrysler came back at 12.8 % Tier 4. Upon Reviewing my credit report, we found a recent account 30 day late inaccurately reporting We notified XXXX, who removed the account. The Score models jumped up to XXXX ( the lowest to the highest of XXXX. On the Chrysler website it is advertising you need a XXXX. I was a victim of fraud, had accounts opened my name ( all were removed on XXXX and XXXX, XXXX is showing one account left scheduled to come off in 18 days but is a small account showing 1x30 revolving card. So, there is no reason I should not get a 0 % interest rate. Upon relaying this info to Chrysler, they refused to repull my credit and rescore. Under the FCRA, If a credit furnisher finds an error, they must remove it. XXXX did just that. Also, under the FCRA, the creditor must re evaluate the borrower creditworthiness based on the new changes. This is where Chrysler is Violating the FCRA and I am sure I am not the only Victim. This is a prime example of a Major Corporation taking advantage of its customers during a crisis.
|
| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SAntander USA has inaccurately reported information on my credit report for account information that I have no knowledge of. Per 15 U.S code 1692f, The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Santander is reporting information that is a direct violation of the law. I was not properly notified of ANY balances with Santander or the reporting ofany items. Additionally, I am a victim of predatory car loan lending for subprime consumers. Santander violated consumer protection laws by exposing subprime consumers by knowingly and intentionally financing auto loans with a high probability of default, charged excessive fees that were not detailed in the note and charged for payments and violated. Santander is obligated to provide detailed information regarding any negative accounts before reporting which they failed to do. Santander has failed to my request regarding documented proof that I was notified of any remaining balances or a charge off. This debt does NOT belong to me
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Basically, since XXXX with XXXX I have been asking them to place back my Santander Consumer USA account for a vehicle loan I have had since XX/XX/XXXX. At one time I did merely and simply dispute the balance because it was inaccurate. My balance had not been updated at that point in over 3 months. So I disputed it, because the balance was inaccurate. Then approximately XX/XX/XXXX, rather than update the balance they removed the account entirely. Now due to them, my credit score is down anywhere between 80-100 points if not more ... I merely want the account added back to my credit report as it reflects my good payment history and with the correct balance information. The account shows correctly with XXXX and XXXX. I have reached out directly to XXXX via phone, and even mailed in my payment history to them directly from Santander from a while back at least within the last 6 months .... and they keep giving me the run around AFTER confirming they have my payment history, hard copies, and still will NOT place my account back to my credit report. Each time I have contacted Santander Consumer USA, they keep telling me the issue lies with XXXX.
|
| 11/15/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ).
Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.
|
| 08/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill.
They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime.
I concur.
|
| 04/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
In XXXX we bought a XXXX Mercedes-XXXX ( Vin XXXX ) .And in exchange we put our XXXX XXXX XXXX on trade for this vehicle. The vehicle ( XXXX ) had so many problems, needless to say the car was not worth it. We talked to the company about exchanging it for something else or maybe getting it fixed but they did n't want to help us out at all period. Supposedly after we had already bought it and had for a week they told us that the vehicle that they had sold us was not even part of the company that it belonged to the XXXX and he was selling it there. So since they did n't want to help us in any way we decided to surrender the vehicle back to them, but now we got a letter from Santander Consumer Bank that the XXXX went into auction but we still have to pay and outrageous total of {$15000.00}. We are looking at this as we should not have to pay it because we surrendered the vehicle due to the lack of no help from the car company ( XXXX in XXXX Mississippi ) or the bank ( Santander Consumer Bank ) and also because we had traded in our vehicle as well. All we need is a solution for this problem or some help on what we can do with this situation.
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX of XXXX I purchased my first car at XXXX years old. I had been saving up for quite a while because no dealership would sell me a car with a small down payment due to my age and lack of credit history. I inquired XXXX XXXX located in XXXX, TX on a XXXX XXXX XXXX which had over 63,000 miles priced at $ XXXX {$15000.00}.
I brought {$10000.00} CASH. Being naive, I signed a loan with Santander Consumer which only listed {$2000.00} down. I did not realize this until I tried to get the payoff information for the car, thinking I only owed {$4000.00}. My credit score has been completely ruined for one late payment and I am {$30000.00} in debt including the 22.9 % interest I get charged at XXXX years old for a car I should owe less than 5 thousand on.
I am highly frustrated with the situation because they took advantage of me and when I tried to resolve the issue, I was ignored. The dealership is being shut down because of fraud and title problems. I tried to get a lawyer but the cost would be more or the same as what is owed on the car.
I do not know what to do at this point. The thing that upsets me the most is my credit score.
|
| 01/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.
|
| 08/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Chrysler Capital is destroying my credit score by reporting my lease as late to XXXX XXXX and XXXX XXXX. I made arrangements in XXXX with Chrysler to extend the lease the lease terms due to Covid related financial hardships. Chrysler assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has Chrysler been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted Chrysler 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to Chrysler on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
|
| 06/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander usa, made arrangement with me on this loan, and then repoed the car, they would call my phone and tell me that I was going to XXXX if I didnt pay my car note, they would call all thru out the day ring my phone and hang up and then call back and ring phone and then when I would tell them I spoke with someoen they would hang up on me. I had moved to Georgia when I purchase the car they didnt update my new address they kept sending stuff out of state which I resided in XXXX, GA never sent me an 10 days notice to pay the bill, or 10 days notice for my rights to get the car back, they kept all my items and sold the car. Then sent me a bill for the same amount of the car saying I owed it. When I asked them to provide me the information on how much they sold the car for and copy of my 10 days notice to regain the car back i never got any information from them. They kept hanigng up the phone on me and never trying to resolve the account except I owed. TO date they are reporting me negativly to the credit bureas on the car as though Im late and they charged this account off years ago. I demand they remove this from my credit report.
|
| 04/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX paid off car loan in full {$11000.00} XX/XX/XXXX received letter stating " santander consumer usa, inc recognizes the above referenced account as paid in full on XX/XX/XXXX. '' XX/XX/XXXX received letter from santander statting " we have contacted the florida dept of highway safety and motor vehicle to remove our lien interest on the electronic title for the XXXX XXXX XXXX '' XX/XX/XXXX received check from Chrysler capital for {$620.00} as I overpaid the payoff amount.
XX/XX/XXXX - but I received XX/XX/XXXX a letter from Santander collections ( debt collector ) as an attempt to " collect debt. '' Very perplexed, I called Santander as I knew this must be a clerical mistake because my loan had been paid off since XX/XX/XXXX. I was informed during this phone call that I owed {$1300.00} even though my loan was paid off in full, I received letter of pay off, & title was transfered to me. According to Santander, 2 payments were made to my account in the past year improperly. I have no record of this only their word that this occurred. One in XX/XX/XXXX & the other XXXX XXXX. None of this makes sense as my loan was paid in full.
|
| 12/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.
|
| 07/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions
|
| 01/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I was refinancing from Santander due to very high interest predatory loan amount and interest ( Predatory to XXXX XXXX in pricing from XXXX even though credit score was in the XXXX range ) and XXXX said they could refinance on XX/XX/2021 so I signed up with them for a lower overall payment on the same term. I was also told there was a 45 day account setup and payment schedule to start XX/XX/2021. Well, my payments are on XX/XX/2021 with a ten day grace period. Santander received the refinance contract on XX/XX/2021. The payoff quote amount was {$14000.00}. Santander sent them a check a few weeks after and they charged two months payments and interest from a {$14000.00}. So that means there was two payments taken out of the check that was money I was suppose to actually receive as the refinance remainder. My loan was even higher because of whatever way Santander worked and they have been shady the whole time. I have recordings from both sides and XXXX XXXX blames Santander for the confusion and creative accounting ( stealing/embezzling ). I did not find out they had given me only {$120.00} of the payoff until the XXXX of XX/XX/2021.
|
| 05/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I was a co signer on a vehicle financed with Santander USA. My husband and I filed for divorce and he was ordered to refinance the vehicle in his name. Santander USA made multiple collection calls to me. I tried inquiring information regarding the balance but they refused to give me details. They just kept asking me how I wanted to take care of it. Even after I explained that the primary account holder was ordered to refinance the loan they said I was financial responsible. I asked how can you hold me financially responsible but will not give me access to the account or give me any details about amounts due. They refused to disclose any information regarding the account. They reported against my credit but never sent any letters to me to explain anything was past due. I disputed credit reports and Santander updated some of the past dues. It is against the law to report to credit bureaus with providing any information amount debt owe. They told me when the account closed they would remove it from my credit history. Now I cant get it removed because they have no number to their credit department. Its causing my credit to be damaged.
|
| 09/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
We had a loan for 72 months then extended it for 2 more years, my total payments for the 72month term with interest of 19.24 % should have been {$30000.00} as of today XXXX/XXXX/XXXX I have paid 74 payments, on XXXX/XXXX/XXXX we had to sign an agreement to extend the loan for 2 yrs because the company said we owed with interest over {$15000.00}, they agreed to lower interest to 4 % for 24 mths and the company is telling me I still owe a payoff amount of $ XXXX with late fees, etc ... how can this be. According to extended agreement we wold make 24 more payments of {$300.00}, that 's {$7300.00}. We have made 9 of those payments to date. ( {$2700.00} ) We should only have {$4500.00} left on the extended agreement. They charge me {$10.00} for each payment I make and charge a late fee of {$30.00} from the 1st day it 's late. They are completely ripping people off. I will have paid over {$40000.00} once I 'm done. That is insane I did not buy the car new it was preowned and needed a new transmission after only having it for 1 year. I feel I am totally being taken advantage of and do not owe $ XXXX, The car is not even worth {$5000.00}.
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.
|
| 08/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Called XXXX - Stating that late payments stated on the credit reports are not accurate. You guys stated that you would delete the late payments due to malfunctions on your end and the issues that customers are having due to covid.
I was laid off not long after the car was purchased. Obtain employment and then in XX/XX/XXXX the company closed my department and was laid off again. Obtain employment in XX/XX/XXXX but was laid off in XX/XX/XXXX due to Covid-19. During these times I tried my best to stay-a-float doing odd jobs. Then I caught XXXX and was very sick.
I had to have an XXXX and I think that XXXX saved my life. Got better and worked odd jobs again. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not as bad as the first time but I still have a XXXX XXXX XXXX to XXXX. Then Obtain another job in XX/XX/XXXX but was laid off again in XX/XX/XXXX due to the supply chain issues caused by XXXX. The company wasn't able to produce it's products due to the lack of computer chips it need.
Please remove all late payments from credit report. The late payments are severally damaging my financial well being for the future and present.
|
| 07/06/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
On XXXX XXXX, XXXX, I made arrangements with the Santander # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, my name is XXXX. i have been going back and forth with XXXX XXXX services as well as XXXX Regarding unauthorized inquiries and accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX both stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : XXXX XXXX XXXX on both XXXX and XXXX as well as Santander Consumer USA on XXXX. Here are the inquiries listed below : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), i will be pursing litigation against them for fraud pain suffering!
|
| 11/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Santander Consumer USA has closed my complaint out and I dont not agree with this action they have in fact discouraged me the consumer I also dont agree with the unlawful adverse actions taken against me the consumer during this consumer credit transaction Santander Consumer USA has in fact deliberately stalked, harassed, and invaded my privacy by using unlawful Gps tracking devices and by having non affiliated persons track my exact geographical location these individuals are not in any type of tow truck vehicles and dont have any business decals on these vehicles they can be seen in regular cars scanning license plates these individuals dont have any license to tow vehicles these individuals are in regular cars driving around following consumers home without any type of search warrants without consent from the consumer without informing the consumer without real proper tow truck vehicles and without a business license required by the United States also police reports and identity theft reports have been filed in Tennessee and Texas for these unlawful individual actions and for breaking state privacy laws in two or more states
|
| 12/28/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am leasing a XXXX XXXX XXXX from Santander consumer USA. The car had check engine light on when I signed the lease and the engine has never gone of. However, the problem is with the monthly payment. I understand I signed the lease and therefore, it became my responsibility. However, I believe the car was never worth the value of the payment I am making. I am paying {$300.00} monthly for 72 months. That amount is just unbelievable! I have called them multiple times to try to work on reducing the payment to allow me make the payment on time. The have always stuck to the fact that I signed the lease. I was not properly educated about the cost of the leasing and I had no experience on car leasing. I have done everything possible to try to make the payment but it keeps pulling me down on my financial obligations. I have to always have full coverage insurance that is also increasing the cost of my monthly payment. I believe this is a sort of scam that is continuously pulling inexperience lessee like me into financial difficulties. The interest rate is killing me. I believe I have not been treated fairly with respect to the pricing.
|
| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I entered into a vehicle retail installment contract with Santander Consumer, the loan was for 72 months, at {$390.00} monthly. The loan was to mature XX/XX/XXXX. On XX/XX/XXXX, my account was approved for the SCRA adjustment and my interest rate was adjusted to 6.00 % and my payment was decrease to {$300.00}. This agreement stayed in effect until XXXX XXXX, XXXX in which I had to recertify the adjustment. The application was approved on XX/XX/XXXX with an interest rate of 0.00 %. During the course of the loan I was granted four extensions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). With these XXXX extension being placed at the end of the loan my maturity date should have been adjusted on or about XX/XX/XXXX instead my maturity date is XX/XX/XXXX.
I think the company did not properly adjust my loan balance when they approved my account under the Soldier Civil Relief Act for the 6.00 % interest and instead just decreased my payment leaving my balance total figured at the 15.99 % interest rate. I also do not think they adjusted my balance when they stated my account was at a 0.00 % interest rate either.
|
| 07/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I bought a truck at XXXX XXXX in XXXX XXXX AZ, told the dealer I wanted a truck smaller than my 1 ton dodge ram and cheaper, with interest ate at below 3 % because I could n't afford more and better on fuel, I told them I could n't read the contract so I would have to trust them, they ended up giving me a truck that was more expensive t truck cost over 33,000 plus I put down XXXX on top of that totaled was around38,000 and with a interest rate at 24 % then they told me to tell finance company I made XXXX, little did I know, I left and had some one read the contract it was way of base, I waited 10 days to call the fianc company, dealer said they will call with in 10 days, they never did so I called them told them what happened and they said I signed it ad nothing anyone will do., told both company 's I could not afford the cost or did n't make that kind of $ {$.00} so now there trying to repo it. I have spent a lot of $ $ and need help getting this back or gov going after the practice. they both refused to cancel it. lost more to it, the finance company is in XXXX XXXX. it was pure fraud on dealers side and fianc side pure gread
|
| 10/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately : Account Name : SANTANDER Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Thanks, XXXX XXXX
|
| 04/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I obtained a car loan thro ugh Santander Consumer c ompany on XXXX XXXX XXXX a XXXX XXXX My fist payment was due on XXXX XXXX XXXX I made my 1 st. Payment on XXXX XXXX XXXX 2. Payment on XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX Santander took my XXXX payment that was intended for XXXX Payment and only credited me for the principle payment of {$22.00} and put the rest towards my interest. Then they charged me a late payment and affected my credit with another lender that I was trying to refinance the loan with for a lower rate, saying that I had a late payment of 15 days and the account was placed into collection. Santander should be charged with predator lender practices .This affected me from obtaining a different loan at a lower rate. My rate with Santander is XXXX % and the rate I was offered prior to the lender contacting Sandtander was XXXX % which would have save me greatly over the term of the load. I believe that this was intentionally done to keep me oppressed under this high interest rate loan.
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS.
I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus.
Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report.
I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.
|
| 03/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander USA has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by Santander which shows my account as a charge off with money due to them. I have requested an extensive amount of information from Santander which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.
|
| 03/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
My high interest auto loan has not decreased in principal according to amortization schedule. Lender has continuously placed 93 % of payments made between XX/XX/XXXX to present to interest. Auto was repossessed in XX/XX/XXXX, after I was behind 3 months. I recovered the car, and applied for a TRIPP ( temporary reduction in principal payment ). I was told I qualified, and awaited for a call from the lender. After the lender did not contact me, I reached out and was told the TRIPP was never processed, but I was no longer eligible for it. I have repeatedly tried working with the lender to lower the payment, but have been told the Lender does not refinance its loans, and there are no other options. In addition, I was not offered an option to buy a two-day sales cancellation option by the dealership when the car was purchased, and instead was told California does not offer a cooling period, and asked to sign on the contract that they 'd explained it to me. This auto loan is impacting me financially to where I can not meet other obligations, and my only options are to allow the lender to repossess the car, or declare bankruptcy.
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession.
SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
|
| 01/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I am a victim of Santander Consumer USA XXXXhe Bureau of Consumer Financial Protection ( Bureau ) has reviewed the consumer credit furnishing practices of Santander Consumer USA Inc.
( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) Santander continued reporting inconsistent information for years after being alerted to its errors.
31. Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I previously filed a complaint on Santander Consumer USA for not complying with FCRA regulation in regards to reporting to credit reporting agencies they maintain under my SSN. Although they have provided insufficient information through CFPB, they have failed to respond to additional information I have requested via Certified Mail such as : - Not applying payments to the original amount financed - Incorrectly reporting the terms of the loan agreement to credit reporting agencies - Refusing to change my address on file - Not responding to my request for information in regards to the repossessed automobile I financed with them as per the State of California and UCC 9.506 as well as State RISA and MVISA statutes, as stated : " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemptions and cure time limits were adhered to. '' I have allowed them plenty of time to respond to my letter certified mail to them on XX/XX/2020 considering the difficulty they may have faced because of the current Pandemic situation, however, I have not received any updates.
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer keeps calling me at work. I have informed them over a year ago to note the account that my employer prohibits these calls and I could lose my job if they keep this up. I have also informed them that unfortunately I can not keep the vehicle due to XXXX wage garnishments. XXXX from the federal government for student loans and XXXX from the state of California for back taxes. I have asked them If I can return the vehicle for a voluntary repossession. They are not listening to me and keep asking for payment, they said they will not come get the vehicle. They have called me XXXX times at work in the past few months with the last call one day during the week of XXXX XXXX 2015. I am tired of asking them where I can drop off the vehicle and they really need to stop calling me at work. My boss is already difficult and he is not happy about these calls. These people know what they are doing and this harassment is not warranted. I want to press any charges that are available to me. I am sorry I defaulted on the loan it was not my intention. I barely have the money to live on and they are stressing me unecessarily.
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On the XXXX of XXXX I sent in a payment of {$5000.00} which you received but then was lost before it could be credited to my account.
I was asked to send over the copy stubs of the money orders which I did. After many phone calls to your call center being given inaccurate information with nothing being done I was escalated to the US escalations department.
Again after nothing was done following my many phone calls and my time being wasted I finally asked to speak to a manager, I was connected to one named XXXX XXXX. He was very rude and dismissive. It was disgusting the way he spoke and treated me. He looked for any way to shift responsibility to me. He asked for copies of the money orders. No one takes copies of money orders or checks that is what the stub is for. I informed him that I didn't have copies and it was a very unreasonable request. I was told it was too bad and there was nothing that could be done for me. I then received a email saying my problem had been resolved. It most certainly was not resolved. If this is how management acts I'm not surprised in the way I have been treated.
Many thanks XXXX XXXX
|
| 12/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Santander Consumer and I came to an agreement in XX/XX/XXXX to have my XXXX and XXXX payments deferred to the end of my loan. They failed to follow the set agreement. Then on XX/XX/XXXX Santander had my vehicle repossessed even though payment was not due until XX/XX/XXXX. The company that Santander hired to repossess the vehicle did not let me take possession of personal property that was in the vehicle as well. They refuse to provide me with documents or notice of intent to repossess my vehicle at address that was listed on file which starts the repossession process in Texas. Then they failed to provide me with a notice of intent to sell. No notice was sent to my place of residence on file nor did they call to inform me of intent to repossess/sell. Santander sold the vehicle without me having a chance to retrieve personal items or make arrangements to gain the vehicle back. Santander sold the vehicle and then left me with negative remarks and reporting to credit bureaus. There actions have did irreparable harm and damage. They still have refuse to provide info on intent to repossess and intent to sell from XX/XX/XXXX.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have presented a case prior with Santander consumer USA and my case closed and it stated to seek legal counsel and then speaking with accelerated supervisor to handle issues at Santander and I mentioned lawyer she then explained when I agreed to at 2 times to push payments to back of the loan each time 3 months that it allowed the a loan to charge the XXXX XXXX dollars of interest and she said that on tape I agreed to change that but the conditions also changed because I was on leave due to illness. This was not explained and nor will they give these tapes to me. I was in financial hardship they took advantage and did not reveal that this will cost this amount. I am still trying to find an attorney because of the cost they charge. They kept saying at first late payments and now this and no they did not explain and they are aware they took advantage because only now am I being told more in depth answers I want this to go to court but I trying to find sway to do this without costing I have family and obligations and if I knew when I became ill that this would of cost this on these XXXX accounts I would not have agreed.
|
| 05/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.
|
| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account.
I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.
|
| 02/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan.
I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company.
This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I entered into a lease with Chrysler Capital after the appropriate process was completed at my local XXXX XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to Chrysler Capital 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into Chrysler Capital after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called Chrysler Capital and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.
|
| 01/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a XXXX charge off collection filed on my XXXX and XXXX reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
In reference to SANTANDER CONSUMER USA recent CFPB response dated for XX/XX/XXXX, XXXX SANTANDER CONSUMER USA states that " We have reviewed the account and we are unable to locate communication with you on XX/XX/XXXX. '' Attached to this complaint is all evidence of the correspondence between myself and SANTANDER CONSUMER USA. Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. Also Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. A copy of the the original receipts from the USPS confirming the proof of mailing and copies of the USPS tracking information confirming the proof receipt from SANTANDER CONSUMER USA has been provided for review for the CFPB and SANTANDER CONSUMER USA as well. SANTANDER CONSUMER USA agreed to terminate the previous agreement with me and to remove the alleged lien on said property : XXXX XXXX XXXX Vin number # XXXX in the XX/XX/XXXX agreement. SANTANDER CONSUMER USA agreed on these term XX/XX/XXXX.
|
| 02/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a Vitim of the consent order that was filed against Santander Consumer USA Inc. ( Santander ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). Santander has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted Santander Consumer USA IncXXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally Santander has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. Santander Consumer USA Inc. has a known history of predatory auto lending and request the details of this complaint are investigated promptly.
I have contacted the XXXX XXXX, and XXXX who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
|
| 09/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
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 %!
|
| 11/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.
|
| 07/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I defaulted on my loan in XXXX. The vehicle was repossessed in XXXX. The balance left on the loan is incredibly high. Also, there is a settlement that Santander has to pay out for people that defaulted on loans before XXXX due to predatory lending practices used by Santander.
I was told that I did not qualify for the loan settlement. I would like proof of exactly why my defaulted loan does not qualify for the settlement. I paid nearly {$500.00} a month for my loan and it was a very challenging monthly note to pay.
Also there showing I owe one balance of {$13000.00} on their company website but also reporting I owe a balance of {$18000.00} to the credit reporting agencies, which is thousands of dollars higher ( I attached screenshots ) When I asked exactly why my loan did not qualify for the settlement, the Santander representative could not give me an answer. they simply told me to check the secretary of states website for the state that I live in.
I would like the balance on my vehicle reviewed and also an answer as to exactly why I don't qualify to participate in the settlement against Santander. Thank you
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased the vehicle and the end of my lease that ended XX/XX/2021. I have a receipt from the credit union showing paid in full on XX/XX/2021. However, Chrysler capital took XXXX weeks to process the payment after the XX/XX/2021 payment in full. After numerous attempts to talk to Chrysler capital they were rude, disrespectful and very inconsiderate. The last person I spoke with said I don't care about your credit report it's not my problem it destroyed your credit and I don't care what your score dropped to. We ( Chrysler capital ) received your payment on time but it took awhile to process everything and it's not our problem. My bank that contacted Chrysler capital tried to speak to them and my bank said wow they are the rudest and uncaring company they ever talked to. The bottom line is Chrysler capital is reporting late payments and the account was never late. I have provided proof of payment on time and the credit bureaus take Chrysler capital side and let them report incorrectly and false information. I don't understand why. Please help with this matter and remove the late payments from my credit report.
|
| 09/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed!
Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer.
My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic.
So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account.
I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
|
| 12/29/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed with you earlier about Chrysler Capital reprocessing my car due to system adding me to a repo list and I owed 4 months which I sent XXXX a copy of 17 straight payments which the email was wrong. I paid over XXXX and picked up my car. Balance XXXX. XX/XX/XXXX received a letter stating I owed {$810.00} due XX/XX/XXXX. Called XXXX at Chrysler and stated it will be corrected. A call from XXXX XX/XX/XXXX from collection stated the system put me in collections and I been there for 21 days but after arguing she apologized and said I owed nothing. Today, XX/XX/XXXX I get a letter stating I owe XXXX. I'm tired of being harassed by this company. XXXX, XXXX XXXX and chrsler stole {$2600.00} which was suppose to be sent back XX/XX/XXXX. This is how they stole my car was repossessed because of the system and they lied and said it doesn't do that but all my payments are up to date until XX/XX/XXXX but the system keep putting me in collections and then luring that the system called me which my recorded conversation stated there was no activity on the line. I want them to stop harrassing me with letters and phone calls.
|
| 12/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.
|
| 10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments.
Account charged off for XXXX which is more than the balance that i owe.
The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports.
My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment.
Each month the company is reporting a different past due balance.
Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
|
| 03/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming.
Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.
|
| 06/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American, Servicemember |
|
It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus.
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?
|
| 09/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
|
| 10/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
|
| 03/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was the co-buyer on a XXXX XXXX purchased on XX/XX/XXXX from Santander Consumer USA. I had a high interest rate of XXXX the truck was financed for {$29000.00} and I put down {$3500.00}. And was to pay {$640.00} a month for 72 months. Totaling {$50000.00} if paid in full. I believe my application was manipulated and an internal score was used instead of my credit score because there was never an inquiry on my credit report from Santander which I find very strange. I paid {$160.00} weekly for 14 months straight with no late payments. The buyer then decided to take the vehicle from me in XX/XX/XXXX for her own selfish reasons and fell delinquent on the account I tried countless times to resolve this matter with Santander, but they wouldnt allow me to do anything on the account. They allow the buyer to keep the vehicle for a whole year without making any payments and also allowed her to get an extension without my consent. The vehicle was finally repoed in XX/XX/XXXX and auctioned off leaving a balance of {$4500.00} of which they say I owe and I dont think its fair to me as a consumer to have to pay this amount.
|
| 08/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company is reporting a charged off account on my credit. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchases a car and financed it through Chrysler Capital in XXXX, about a year or so I was in an accident. The car was totaled and taken to the impound yard where my insurance adjuster viewed it and confirmed that it was totaled and that it would be paid. A month or so later I was notified that the bank had taken possession of the car and it was no longer in the impound yard. I never heard anything further about it. Then I found it on my credit report as a charge off with the full balance of {$20000.00}. I've written the bureaus and the Chrysler Capital several times and no one will give me a response.I don't think I owe this amount even if the insurance didn't fully cover the cost it wouldn't be this high. I never received any paperwork from them. A few days after the insurance confirmed the car was totaled I went to a dear purchase the same make, model and color car I have never been late. Now a week ago a tow truck showed up trying to repossess the original car that they said they had from 5 years ago and I still have yet to receive any paperwork from Chrysler Capital or the impound yard for that matter.
|
| 08/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!
|
| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Im writing this letter concerning the SANTANDER XXXX account listed on my credit report which is owned by my ex-husband. I have the court order from the divorce decree that Im not held liable or responsible for the vehicle that I co-signed with my ex-husband. This vehicle continues to report even after the date the court order was given and the divorce decree was granted. It is tiring and expensive going back and forth sending dispute letters to the bureaus and they do not mind reporting the same inaccurate information over and over. Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurately, I request deletion immediately. This reporting is totally ruining my credit rating which is the effect of losing the current home that Im buying for my children. I already submitted all the necessary documents and disputes to the bureau but no action has been taken and they keep reporting this account which should be deleted in the first place. I demand the immediate deletion of this account.
|
| 07/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment
|
| 03/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.
|
| 07/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My husband and I purchased a vehicle in XX/XX/XXXX! After the down-payment, we financed {$23000.00} dollars! We got a 72 month loan whereas after the loan was paid in full, the amount that was supposed to be paid to satisfy the loan was approximately {$43.00}, XXXX which included the finance charge! Maturity date should have been XXXX, instead, we are still paying this loan with a changed maturity date of XX/XX/XXXX and paid well over {$63000.00} dollars! The problem is 1st, Santander Consumer USA has continually changed the Maturity date of this loan, we've made over 100 payments and after questioning them about these over payments the explanation is not understood! We need immediate assistance in this matter! They've continually changed the maturity date prolonging the pay off even though we've always made more than the amount due where as all over payments went to finance charge and or intrest! It appears this loan will never end with them continually every month changing the payoff amount and date!
Please help ...
XXXX and XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
|
| 05/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I'm reporting bad faith and fraudulent loan practices from Santander Consumer USA Inc. On XX/XX/22, I sent in a letter of rescission per my right under XXXX XXXX after three previous attempts to validate the alleged debt owed on my car. Santander has not responded properly to my letters, affidavits or tabulations of violations to date. The only response concerning my actual request for validation, was a photocopied page of a one signature contract, with a fraudulent finance charge and a positive balance. There was never any notice given to me, neither in the original contract or in my following requests, with the proper full disclosure of the rescission process. According to XXXX XXXX I sent a notarized letter of rescission after learning my rights as a wronged consumer and was completely ignored and they sent me a threat to steal my property via notice to accelerate this month, long after my rescission letter was confirmed as received via certain mail tracking number. The entire transaction concerning my car was fraudulent from the beginning, and thus void from its creation and I'm seeking indemnification.
|
| 11/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.
|
| 07/12/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I would like someone to investigate my vehicle loan with capital chrysler. They financed a XXXX XXXX for me in XXXX XXXX for the amount of {>= $1,000,000}. Payments to begin on XXXX XXXX in the amount of {$710.00} a month. We are in XXXX XXXX still oweing {$29000.00}. According to my payment history most of payments have gone to interest and {$260.00} to late fees. We would like to trade the vehicle in, an are not able to as they are showing we still owe what we financed after 2 years alomost 3. They are not appling all payment where should be. They barley contcted me now in XXXX XXXX that we missed our 2nd payment. In XXXX XXXX I made 2 payments to cover the XXXX payment. they never applied it and continued to move on and apply to next payment. they are showing we are more than 80 days past due which I do not agree with. I have asked the president of chrysler capital to contact me which has not to this day of XXXX XXXX XXXX to resolve this issue. I feel my money had been robbed from us and we have no clue where it has gone for the past 2.5 years. I feel what they are doing to my money and loan is illegal.
|
| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX, I entered into a consumer credit transaction with XXXX. XXXX indirectly sign over my consumer credit transaction over to Santander Consumer USA. On XX/XX/XXXX, I sent a cease and desist notice, Santander Consumer USA has failed to acknowledge. On XX/XX/XXXX, Santander Consumer USA STOLE MY VEHICLE. Santander Consumer USA HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see XXXX and Santander Consumer USA has violated several laws. Please see attach letter for violations. Santander Consumer USA has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. XXXX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy. XXXX failed to disclosed/withheld my right to rescind transaction, and other violations attached
|
| 03/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60.
And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!.
There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.
|
| 10/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was recently declined a loan. After reviewing my credit reports, there are some major errors regarding an old auto loan. I originally had a loan with XXXX, which was sold to Santander, I believe XX/XX/XXXX when Santander purchased their debts. I defaulted starting in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX the car was repossessed. The date of initial delinquency was XX/XX/XXXX, which fulfills the 7 years statute of limitations on credit reporting as of XX/XX/XXXX.
I was not offered the right to redeem the vehicle, and believe it was sold at a private auction. Under Florida law, I am supposed to be offered the right to redeem at a public auction. Regardless, when Santander purchased the loan, they listed late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- when the car was in their possession as of XX/XX/XXXX. They kept on reporting through XX/XX/XXXX.
The Fair Credit Reporting Act states that Santander must report the credit line as accurate. Due to their multiple errors, I was declined for a loan because my scores were much lower than they should have been than if they were reported properly.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation.
Thank you for your assistance in this matter,
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points.
I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to.
I also open a credit report inquiry with XXXX. It came back with no change.
This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads.
I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media.
Stop taking advantage of people during covid!
If you publish this remove my personal information or youll have a lawsuit on your hands.
|
| 06/06/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Chrysler Capital has called repeatedly about a 2017 XXXX I purchased with my now ex-husband. I told Chrysler Capital I lost my son, could not work and my husband, a XXXX, was primary on the loan. My husband filed for divorce a year after I lost my son and I am now raising XXXX young children on my own with very little to no money and an XXXX year old XXXX XXXX XXXX and XXXX year old son with a XXXX XXXX. I asked them not to call me again because I am often times waiting for my children 's doctor to call or tending to my children and at this point I was going to be talking to an attorney about bankruptcy, I have not yet been able to consult and retain an attorney. I told them my ex husband is a XXXX, therefore if they were to collect anything it would be from him so please don't call. They continue to call ( and ask for my ex husband even though I told them we are divorced and I have not heard a word from him ) almost daily. In the last week they have called XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX and I am sure it will continue throughout the week.
|
| 04/21/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
To whom it may concern : In 2013, I cosigned a loan fr om Santander Consumer f or a XXXX XXXX XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.
|
| 12/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.
|
| 07/09/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2022 I disputed information reported by Santander because it was inaccurate and the three Credit bureaus had different dates for payments and different dates closed and incomplete information, and missing information. I was asked to provide additional information by the credit bureaus so I contacted Santander and asked if they could email me the compy of whatever agreement that was signed stating I owed them. I also, asked the credit bureaus for debt validate. After contacting Santander to request this information. The representative I spoke to got angry and said he would not give me the information. Santander then reported this incorrect information XX/XX/XXXX, XXXX and XXXX of 2022 and opened the closed account reported that a payment was made when a payment was never made because this account had been charged off for 6+ years. This caused my credit score to drop significantly. I would like Santander removed from all 3 of the credit bureaus due to all of the information being different and inaccurate with each bureau. The disputes have been closed the the information is still inaccurate.
|
| 08/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/18, I got information from a relative that they received a call from a process server about me..that the process server was going to be at my house at XXXX to serve me with papers. Relative called number left and was told this had to do with an auto loan debt re : me. She said she would let me know. I looked up info and it was bogus..many people c/o similar antics by same co.plus I do not owe money to this auto company anymore, I have not dealt with them in over 8 years. I disregarded it ... today ( XX/XX/18 ) another family received another similar call from another so called process server, stating they were trying to get a hold of me and that I was going to be served today etc etc..also they were going to get in touch with my job. I work in healthcare, this is very frowned upon at workplace. I have lived at the same address for 15 years and I have not received anything in the mail which is strange if they knew my address, why not send a certified letter? It is illegal for them to be divulging info in my name to a third party, so I understand. Please help me with this problem. Thank you!
|
| 01/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XXXX 2014, my spouse passed. He had a open auto loan with Chrysler Capital. Upon his passing, I submitted the payoff amount, his death certificate and other documentation for their records and requested any overpayment be refunded to me. The payment received exceeded the balance owed. A check was issued back to my husband in which I could not deposit or cash. I 've had constant contact with Chrysler Capital for a year with hopes they would refund me the overpayment. They will not comply. They told me they can only refund the money to my deceased spouse or I need to obtain an executor of estate order. I 've spoken with legal counsel and was told due to the amount, a non-judicial affidavit would suffice or take them to small claims court and sue them for more than they owe for the extra heartache they are causing. The amount owed is {$320.00} which is n't worth court cost and proceedings to become executor. I 'm a widow just seeking what is owed to me. I did not have to close the account, I could have allowed the car to be returned as a repossession. Chrysler Capital does not value their customers.
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On ( XX/XX/2019 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.
Due to ( DEBT AND DEBT COLLECTOR XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.
Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
|
| 03/28/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.
|
| 02/27/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Santander is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report twice, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me.
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie..
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them.
After my formal complaint to the CFPB Santander closed the account, but this false info is still being reported on my credit report.
|
| 11/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Hello, My vehicle was wrongfully repossessed on the date of XX/XX/21 at XXXXXXXX XXXX on private property. I contacted the company to get my vehicle back. They gave me the information to collect my belongings. They did not state what belongings were in the car when they repossessed it. Once I arrived to get my belongings, Multiple items from my car were stolen, My guitar was passed down from generations, other music equipment, my daughter 's car seat, speakers, and even jewelry I left. The company stated I would have to pay the fees owed and deal with the tow company. Which I did, and they still did not help me or explain where my items were. I was informed to contact the company I received the car from and inform them. They did not help me. I have sent them a cease and desist to not contact me, along with a debt validation letter. Which they did not validate. I get contacted and harassed by the company on a daily and weekly basis through letters, phone calls, and emails since I've started the dispute. This is completely unfair and inhumane to do, especially in the state of the world right now.
|
| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.
|
| 06/26/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent several requests to Santander per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt.
At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
|
| 10/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/2016 I purchased a vehicle ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX Texas. I was then under a chapter XXXX bankruptcy and the court allowed me to obtain the vehicle through a loan from XXXX XXXX. It was my understanding that the vehicle would be reporting on my credit. For the following two years, the vehicle was reported on my credit as I was paying on time and without delay. The vehicle eventually fell off my credit report. The XXXX XXXX institution explained to me that they had done a review of their files/data base and my vehicle was no longer able to be shown under my credit report. I spoke to many customer service representatives to change this rule. The organization would not comply with my request due to the standing policy against having vehicles financed under chapter XXXX. I have since completed my chapter XXXX payments and the case has been discharged. The XXXX XXXX continues to not permit the vehicle to be shown on my credit report. I am now faced with the prospect of changing my loan to another organization so that my payments show on my credit report.
|
| 06/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.
|
| 03/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Corporations and financial institutions, Credit card company that was closed out after debt Was satisfied and continue to false reporting to the three credit agencies, XXXX, XXXX and XXXX, 1. XXXX visa credit card not belongs to me and was on the reporting since XXXX or Before account closed still reporting,.
2. XXXX XXXX XXXX false reporting after debt was set off.
3. XXXX XXXX located Texas carried out wrongful Grand Thief Auto without any Warning or notice after debt been set off back in XX/XX/XXXX.
4. Few inquiers like mortgage loans which does not belongs period and other inquiers And we write them many letters and they come off one month and sneak back on the next month and refuse to validate the debt as we reach out many times. Paid credit repairs Company only to continue capitalizing XXXX from us and my good credit score of XXXX is now In the XXXX 's score due to all false reporting. I am the real party creditor file XXXX with Department of state which now have full faith and credit by the state and if the three credit Bureau continue to give false reporting their should be lien.
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late.
PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current.
Santander did the opposite. They reported false, inaccurate info to the 3 major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well.
This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ).
Santander has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score.
This is my final attempt before filing in federal court.
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
|
| 01/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Wanted to check rates on RoadLoans.com ( part of Santander ). There was no language on their website indicating that there would be a hard-pull on my credit reports. Many websites and banks use this " pre-approval '' feature ( such as XXXX and pretty much every major bank via direct mail ), but those " pre-approvals '' do n't negatively effect your credit until you complete an application. The banks are typically very transparent and make it clear when a soft-pull is going to occur vs a hard-pull. Roadloans.com 's process seems unfair and deceptive due to the absence of any relevant disclaimers, or any language on the application site describing the implications of submitting information to RoadLoans. Any reasonable consumer could get confused and, like me, unwittingly submit an application for credit rather than an application to receive rates. For full disclosure, I used a nickname instead of my real name during the application because, frankly, I did n't think it 'd matter given the fact that I was just checking rates. I did, however, use my correct SSN ( in order to get correct rates ).
|
| 09/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XX/XX/XXXX, I entered into a consumer credit transaction with Santander Consumer USA, in which I extended my credit to acquire a XXXX XXXX XXXX, identified by VIN : XXXX. The amount of the finance charge was stated as {$21000.00}, which 15 USC 1605 defines as the sum of all charges, yet I was also charged additional amounts evidenced by the " amount financed, total of payments, and total sale price '', within the sales contract. In addition to the above Truth in Lending Act violations, I was coerced into paying a {$1500.00} cash down payment in connection with this consumer credit transaction, and my finance charge did not include my insurance as it was supposed to pursuant to 15 USC 1605. Santander Cunsumer USA also failed to provide me the required disclosures as required by 15 USC 1601 & Regulation Z of the Code of Federal Regulations. Attached to this complaint you will find the 'Notice of Rescission ' letter that was mailed to Santander Consumer USA on XX/XX/XXXX, as well as three ( 3 ) exhibits labelled as 'Exhibit A, Exhibit B, and Exhibit C ', showing proof of these violations.
|
| 09/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have been in communication with Santander Consumer numberous of times via phone and have also written to them demanding that they show me where the balance of {$310.00} is coming from? Was it interest? was it other charges? Representatives on the phone are only assuming it is interest and upon digging for more, they don't know where the balance is coming from after my insurance and gap paid off my auto loan, the balance was only {$23.00} in which I paid in XXXX but somehow a new balance came up and no matter how many times I ask and demand that they tell me where balance came from, they are unable to tell me or provide an itemized statement. After many months of Santander defaulting my credit and finally charging off my account. I argued but was exhausted and so I paid off the {$310.00} not knowing my rights to receive an itemized bill and not knowing that I can still dispute it. Please help. I have contacted them in several occasions and have mailed letters. On the phone they say they are unable to contact their accounting department nor give me a phone number or address to reach them.
|
| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town
|
| 03/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/2015 I was ecstatic to be getting my first car. I had doubts because my credit score was awful, but I figured my {$1300.00} down and {$1000.00} trade it would get me what I wanted. It didn't. I wasnt approved. The company told me that adding my mom as a Co signer, even though she was XXXX and getting a small monthly check might help. We tried adding her and it worked, but the rate was awful {$330.00} a month, but they pretty much intimidated me and took advantage. They knew I wanted and needed a car. Recently the car company Santander has been in a class action lawsuit. They have settled for {$550.00} million dollars, yet they want to pay us victims {$240.00}. I have not gotten a notice yet, but I have too be in this lawsuit settle. I was affected. I still owe more on the car a before. I have no relief options. I have been forced to extend the loan so my car would not be repossed many times because thats all I was offered. Its not fair and Santander needs to pay and more that $ 200+ dollars to me, to anyone that bought a car from them and have been struggling for long as I have
|
| 08/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Had a Auto loan with Santander. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that Santander charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with Santander on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.
|
| 01/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.
|
| 01/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Predatory loan from Santander Consumer in 2013. Car repossessed and sold. Charged unreasonable amount of fees. Sold debt to XXXX XXXX and they are demanding a deficiency payment. Paid a lot of money for this car more and more fees added to the loan from the very first payment. They added fees and never brought down the amount payed. Shady salesman lied from the start. Then tried to bring me a different car than the car I bought. Dealers lied and i had the car for a week and never was approved for the loan. It only continued to get worse. Car continued to have issues w/ transmission overheating. When I take it to the dealership they said I owed {$150.00} for service and I was low on transmission fluid but I can not check fluids til reached XXXX miles. Did not honor warrenty. Refused to fix issues. Car over heating and stalled and was stranded all the time. XXXX XXXX XXXX. On the internet I found tons of other owners having the same issues with their XXXX. Everything about this from the purchase, loan, and running was a problem. Santanders did not follow the law and now I am being sued.
|
| 08/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
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.
|
| 07/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Hi I filed a complaint about this company a few weeks ago but forgot to mention that the company admitted to no disclosing important information about having the option to make a principal only payment. For the past three years I have been making regular payments to Santander Consumer USA for an auto loan, but did n't realize this simple interest loan takes the money from my car payment and applies it to interest first then the remaining to the actual balance. I was told that this is what I signed, but when the dealership sold me the car they said it was a regular loan. Someone was n't being honest and I got sucked in. Now, my car is only work XXXX but I owe twice that much. I requested that the auto loan company send me an original cooy of the contract, but they have n't yet. They also admitted and I saved the transcript of the conversation that in the contract they fail to let consumers know they can make XXXX payments per month. XXXX is for interest and the other is for principal. Had I known this I could have paid down this loan much faster. I would like them to adjust my balance.
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well.
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.
|
| 05/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX and got a loan threw Santander with an extreme bought interest rate 26 percent. The car had XXXX mille on it when I purchased it at XXXX miles the motor looked up and I had to have a replacement. The notes were XXXX $ a month even though The car did not work i still paid. After i had The motor replaced XXXX miles later the car transmission went out. I was still paying never late. When the transmission went out i gave up and let XXXX have it back i am a single parent, with a non running vehicle i was paying an outragious note on. I turned the vehicle in and quit paying.
Santander knew i could not afford the vehicle yet they knew i was disperate and sold to me at high interest which should be illegal. I would like the XXXX $ on my credit for the lemon taken off please. I would of kept paying on it if it ran, or Santander would of lowered my interest rate.
Please take this into consideration. Santander is committing price gouging when it comes to people who they know can not afford there interest. XXXX, disperate people who need transpertaion. Thank you.
|
| 04/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.
|
| 08/23/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
|
| 09/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX.
I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX.
As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency.
Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
|
| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a low income minority customer. I went to XXXX XXXX XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX.
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with Santander Bank XXXX Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out Santander is in on the whole scheme. Santander 's business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. Santander is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans.
Both the dealership and Santander are engaging in abusive harmful practices. The CFPB must act and shut Santander down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Note : This is NOT a duplicate of any previous complaint.
It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law.
The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting.
Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.
|
| 12/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I was involved in an accident in XXXX which totaled my vehicle. My car insurance paid off {$3300.00} of the car, leaving me owing {$4400.00}. When they received my insurances payment, Santander took it upon themselves to lower my monthly payments instead of using that amount to cover x amount of the loan, leaving me to still have to pay for the next 3 years. Also because of the accident, it has left me in a position where Im making significantly less money. I contacted the company prior to my payments being late, and asked about deferring my loan for 3 months to get myself caught up, but I was told that I must be in default before they would be able to look into a deferment for me. When I was 30 days past due, I requested a deferment again, only to be told that I do not qualify without any explanation as to why. I have had my car loan with them for over 4 years, and have always made my payments on time. Now this is effecting my credit score, and I dont know what to do since Im so far behind that its goihg to continue to reporting 30 days late until I can pay 2 months in a row.
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
|
| 01/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint.
Please see attached for reports.
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX van. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
|
| 04/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.
|
| 08/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have these items that are not mine and i want them to be remove from my credit.
XXXX 1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft TBOM/VERV FA Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft SANTANDER CONSUMER USA Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
|
| 03/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Vehicle was repossessed and returned to me the same day with payment and negotiated agreement 2yrs ago. No payments since were reported to credit bureaus after several complaints. The vehicle was later totaled in wreck mid 2019 but monthly payments were still made and never reported. An agreement was then made to pay a negotiated pay off amount of XXXX divided into 4 payments. The last payment was granted to be divided into 2 payments and made only a few days apart in XXXX due the Covid 19 and temporary Job loss. The final payment was completed on XX/XX/XXXX. On XX/XX/XXXX I called Santander over 6 times over the course of 3 hours to confirm confirmation of the final payment being made and to ask what the turnaround time would be before being reported to the credit bureau, but the automative service continuously disconnected me and became a dial tone each time. This has thus far been the absolute worst and unorganized company to work with and has caused many credit score issues. Its paid in full and I just need it disappear from my life completely in order to move forward.
|
| 05/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.
|
| 08/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated.
If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly.
Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I traded in my XX/XX/XXXX XXXX XXXX XXXX to a dealership back in mid XXXX. My lease was paid in full by the dealer first week of XXXX. I did not stop my auto payment nor go to the originating dealer to cancel my extended warranties. That being said my loan was overpaid by roughly {$4500.00} confirmed by representatives at Chrysler Capital in early XXXX It was explained to that the money would be refunded to me via check in 45 days not to exceed 60. At the time I believed that to be excessive but I was patient because what other choice do you have? I have now spoke with Chrysler Capital a total of five times totaling several hours. I have been promised the checks would be mailed twice, overnighted via XXXX once while being included on email correspondence for confirmation, and today a call back from the executive customer service office. Everyone is pleasant and makes promises that get me off of the phone feeling satisfied that the problem has been resolved but not a single person has followed through. It is unacceptable to hold money owed to a consumer for over 100 days.
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
The loan was designed with interest out of my financial Income the rates were up to the maxim. None of the principles were being paid I could not keep up the payments for the automobile. a XXXX XXXX XXXX purchase XX/XX/XXXX. The car has now been repossessed. The letter for repossession was never received the car was repossessed XX/XX/XXXX, I received a letter to auction the car in a private setting on XX/XX/XXXX.I have a choice to auction public auction. I tried to refinance the car at the credit union it was over finance. It Was to much interest on it was not worth it. I had no way out I went every where for help.the company refuse to lower the interest rate.this has been a stressful situation. My credit is being placed in a situation. I can not deal with. I tried to pay what I could. The person who reported the had but nails in my tires the did every thing they could to get t me strained. I never saw any thing like that in all my days. I am XXXX and living on a fixed income. I would like to mention I 've even been run off the road on several occasions. and almost XXXX.
|
| 04/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
After making bi-weekly payments, and requesting past due amounts, which was mailed to my home on XXXX XXXX which showed past due late fees of XXXX. Chysler Capital repossessed my car on XXXX XXXX my car was tooken by a recovery company with NO repo order. I also never received any statements in over 9 months which I called and complained several time on.
I called the police the police ran my VIN and no repo order was out for my car.
The Reinstatement Department is now telling I owe XXXX, to get my car back and they will not allow me to pay XXXX, or any types of payments arrangements.
I spoke to several agents and was told that prior Repo order XX/XX/XXXX was lifted, then a collection agent told me my car was repo due to paying biweekly instead of monthly. I have always paid bi-weekly since the start of the loan in XXXX.
I'm asking to have my account reviewed my management to retrieve my car for a lesser amount due having a hardship and the current Pandemic I can not afford XXXX. The collection department will not let me speak to management regarding this hardship.
|
| 06/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Older American, Servicemember |
|
I recently learned that XXXX has a special financing relationship with Santander Financing, which is the primary loan sponsor for XXXX, and I may have been given a loan by XXXX that was fraudulent and usurious. I bought a car from XXXX XXXX, XXXX, GA on XXXX. I was told that Santander was the only company that would finance the loan since I was coming out of bankruptcy. I was not shown the credit responses and believe that I was given a loan of 24.99 % over 6 years in order to support XXXX 's relationship with Santander. I was told that the payments of {$260.00} were over 5 years, but it turned out to be 72 months, 6 years, but I did n't notice the change in the paperwork. When I became unemployed in XX/XX/XXXX, I asked for a reduction. I was given a {$100.00} reduction for 6 months for only a {$600.00} reduction. Then the payments were stretched out until XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. I kept getting different payoff dates from CSRs, so I stopped making payments in XX/XX/XXXX. I recently settled for a final payment of {$270.00}.
|
| 01/28/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval.
My phone number is XXXX
|
| 01/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.
|
| 01/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XXXX I made a vehicle purchase and was laid off from my job. I informed Santander of the situation and was subsequently offered a deferment. A couple days after the deferment was offered and accepted my car was repossessed by santander who then claimed that they did not offer deferments. in XXXX the account was sold to XXXX In XXXX my credit report showed both XXXX and santander repossession which stopped me from obtaining loans and affordable interest rates. I have been attempting to rebuild my credit but have been unable to due to the constant refreshing of this debt by santander. The FCRA proved me the opportunity to rebuild and re establish my credit with out impairment from fraudulent claims by past lenders. at this time, at XXXX is reporting a repo from XXXX when I contacted them on XX/XX/XXXX and I was informed that there were no records of my account. I asked santander to remove my account since they were unable to provide me with the accurate information. my birth date is XX/XX/XXXX and my last four of the ss are # XXXX ( for accuracy and account lookup )
|
| 04/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.
|
| 06/09/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I leased a XXXX XXXX XXXX last XXXX, XXXX in which I've been making payments to Chrysler Capital each month. On XX/XX/XXXX Chrysler received 2 checks for the buyout of this lease in the total amount of the buyout price they submitted to me. On check for {$9800.00} was received and applied to the account. The other check for {$19000.00} was also received, and confirmed to me verbally via phone by 1 customer rep and 1 manager and then 1 woman from the executive offices all within the date range of XX/XX/XXXX - XX/XX/XXXX. None of those people could tell me why my check had not been applied to my account yet. They each told me they would " expedite '' the post but as of XX/XX/XXXX, it still has not been posted nor have any of them called me back as promised. Their customer service has been unprofessional in addition to the mystery as to why they are holding this check, although numerous claims have been made my them that they will post it right away. I'm sure I'll be receiving a bill for interest accrued on an account that should have been paid and closed on XX/XX/XXXX.
|
| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was pressured into buying my car and don't even recall signing loan papers, neither does my mother and she was with me. I have asked for the loan agreement several times but have yet to receive my loan agreement.
SANTANDER also falsified information to the credit bureau just days before a decision was made on a {$550.00} XXXX dollar class-action lawsuit which makes it appear as if I don't qualify for a loan forgiveness option when I do. *On XX/XX/XXXX, Santander reported to the credit bureau that I was current on all of my payments for XXXX when in fact I had missed XXXX and XX/XX/XXXX. ** According to the lawsuit, Santander is required to either buy back the vehicle or give loan forgiveness to those who have been extended a subprime loan AND have defaulted before XX/XX/XXXX. If you look at my credit reports, it shows that I did NOT miss any payments with Santander but I have statements that prove I wasn't able to pay anything.
They have also charged hidden fees and miscalculated interest payments so that nothing has been paid towards the principal in 2 years.
|
| 07/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
For the last year I have had a Santander account that does not belong to me reporting to XXXX and XXXX agencies. I have contacted Santander and was told there was no balance associated with me, but that my name, date of birth, and social were on file. I made them aware that I have never applied for any credit from them, or previously had an account with them. I also contacted the credit bureaus and was told this was fraudulent information, and that upon contacting the creditor this issue would be resolved. I was told by Santander almost a full calendar year ago that i would receive a letter in the mail detailing how they received my information and i have yet to receive this. XXXX was able to confirm this account did not belong to me, and months later reinstated another Santander account in the form of a credit card with different dates and balances. I have been kept from following through with my mortgage because of these constant challenges with a creditor who is not willing to respond with any valid information or work with a person who has been a victim of fraud.
|
| 02/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Santander has provided me with false information through out the life of this loan. I have verbally requested that Santander put the money paid towards the principal a total of 45 payments of XXXX. I am not knowledgeable to finance and feel take advantage of at this point. The cash price of the vehicle were XXXX. I was financed XXXX.
Today I communicated with a Santander representative via chat and she refused me and I had to keep asking when finally she informed me since the account was now delinquent that the payment would not and could not be credited towards the principal which is what I wanted all along. After she would not cooperate with me I called back and spoke with a representative that stated she would put in the request to put the payment of XXXX towards my principal as I paid XXXX today online.
Santander has told me things like I has to make 3 payments to have payments applied to principle well I am well over three payments. the interest rate that I did not notice is XXXX percent .... I am a woman and not savvy, although some might me with such things
|
| 04/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
6 years ago in XX/XX/XXXX, we purchased a car and it was financed through Santander consumer USA. as of this XXXX the car was supposed to be paid off. When I made my payment in XX/XX/XXXX I was told I would receive the title in the mail within 90 days. My credit went up 34 points and it reflected a XXXX balance on my credit report. 2 months later this XXXX, I went to go look up my credit and it said new account " Santander consumer USA balance {$8500.00} - mind you we did not get a new loan, this was the same loan, so we called to try to find out what's going on, we were told that throughout the loan more interest was acquired and not paid off- mind you the loan was paid in full including interest at this point. We asked to speak to a supervisor who would not provide us with any further information. Now we are stuck with a car without a title with damaged credit due to this issue and a balance exceeding the actual value of the car. This loan company is apparently well known for this issue and has been sued many times. unfortunately we did not know of this until now.
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Since XX/XX/2021 I have submitted over 3 disputes with XXXXXXXX & Santander Consumer, USA for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & Santander Consumer , USA violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to Santander 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This complaint is regarding Account # XXXX. I notified Chrysler Capital and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX Chrysler XXXX XXXX XXXX in XXXX XXXX XXXX was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in Chrysler Capitals possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle XXXX # XXXX. I asked that Chrysler remove this account from all 3 credit Bureaus.
|
| 03/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX.
This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.
|
| 07/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In XX/XX/XXXX I was under XXXX XXXX when the truck I purchased through Santander was totaled. The person ran into me on XX/XX/XXXX on my way to church. The police report number is XXXX. The XXXX XXXX case number is XXXX. I did a substition of collateral with XX/XX/XXXX/under written by XXXX XXXX XXXX. Insurance number was XXXX XXXX. I purchased a new car with the insurance funds. Yet payments was still being payroll deducted from XXXX XXXX XXXX XXXX. Their EIN # is XXXX, payments was payroll deducted. I was laid off XX/XX/XXXX, I was no longer employed with the company to stop payments. My severance packet was continuing to go to the courts and the bank. XXXX XXXX XXXX XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX. I used the money from the insurance to purchase a XXXX XXXX XXXX with XXXX. The vin number on that vichle was XXXX. The policy number on the XXXX XXXX for the insurance was XXXX XXXX. My drivers license number is XXXX, social security number is XXXX. My new insurance policy number was XXXX XXXX XXXX. I was discharge in XX/XX/XXXX from XXXX XXXX.
|
| 01/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a vehicle from Drive Financial, which was purchased by Santander Financial. In XXXX 2008 the vehicle was repossessed and sold. The company stated that there was a remaining balance owed. Therfore there has not been any activity on the account since the repossessed date. However, the manufacturer changes the active date, so that the account stays will not remove from the credit bureau. In the Equifax reports it reads " This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' Please assist by removing this fraudulent information as an attempt to keep it on my credit.
|
| 07/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am writing this response as an update to my previous complaint filed regarding a dealership inflating my income by providing false information to Santander which is a violation of fair lending as it related to the origination of my account. In Santander 's previous response, they provided me a copy of the application used to support the origination.
On XX/XX/2018, the monthly income the dealership stated on the application was {$3700.00} per month. Please see attached for my paystub showcasing a YTD income of {$11000.00} which would be equivalent to roughly {$1600.00}. This proves that I was a victim of income fraud which placed me in a vehicle I was not able to afford.
It is the responsibility of the finance company to ensure and validate by review of the proof of income. Their lack of verification of my paystubs resulted in this predatory lending. As of today, Santander has secured their collateral. I am asking again for the deficiency balance to be waived and the trade line deleted from all three credit reporting agencies.
Thank you for this consideration.
|
| 04/10/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I leased a car through Santander consumer and I found out after it really came from XXXX XXXX XXXX. I lost my job kept up with payments but asked for some type of deferred payment. I was led on that after another payment I would get relief it never happened. A few months after my car got stuck in garage and I had to rent from XXXX and it was because someone from the dealership I got car from tried to break in my garage n damaged it. I had to rent from XXXX they started embezzling funds from my credit card an not releasing my deposits. The manager refused to call me back or fix the issue and they restricted me as a result of me calling corporate. I later found out my car that is stuck in garage is from XXXX an that was why they were stealing funds from my card illegally. XXXX keeps hacking into my credit card account or know someone from my credit card account and are messing with my account an even overdrafted my account. Threats continuously everytime I call corporate because no one calls back to resolve the issue. Its been a year I have been fighting this issue
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it.
In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this.
On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX.
I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments.
Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge SANTANDER CONSUMER USA XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
|
| 03/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
In 2012 I went to XXXX of XXXX XXXX Georgia. At the time I had {$2000.00} to get a used vehicle. When I went into XXXX I advised what I was looking for because I was in bankruptcy. The sales man said I could get a new car with that amount of downpayment and they had authorization from the bankruptcy court. I spoke with the female sales manager and she reiterated the same. After talking to my bankruptcy attorney I was advised that was not the case and the court would not approve that amount. I called XXXX but they advised there was nothing they could do the loan was through santander. I called santander and advised I had to turn the car in. I did not have a choice the loan was not approved through the bankruptcy courts. Recently I pulled my credit and Santander has the loan in accurately reported on my credit file and also also it to another company. So it is reported as XXXX collection/delinquent accounts. This should not be on my credit file because the loan should have never been given especially under false information. It was evident I was in open bankruptcy.
|
| 03/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I submitted a dispute with XXXX about a paid and closed account with Santander Consumer USA. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling Santander, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that Santander certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.
|
| 02/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.
|
| 08/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Our loan was purchased by Santander we have paid XXXX monthly payments of {$360.00} on a XXXX month loan and Santander claims we still owe {$6200.00}. They told us we need to do a loan modification to pay this last {$6200.00} over XXXX months. How can we make all XXXX payments and still owe {$6200.00} this is fraud and extortion. They beat my credit up over this modification they tell my ex-wife do n't make a payment until the loan mod is complete and then report you as late my credit score dropped XXXX points in XXXX minute when they reported the payment as XXXX past due. Here is how they did it and the attached payment history will show this. On XXXX/XXXX/2008 they added {$2600.00} to the principal out of the blue then every month they charge numerous miscellaneous fees between {$10.00} and {$36.00} a couple of times a month for the life of the loan. We originally were with another company and the terms of the original loan were nothing like they are now. I would not be surprised if they changed the interest rate as well who can tell how they compute interest.
|
| 09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I currently have a loan with Chrysler Capital under my previous married name XXXX XXXX. The vehicle purchased XX/XX/XXXX is a XXXX XXXX XXXX. The loan Matured XX/XX/XXXX with a six month extension based on payments put to the end of the loan. There were no payments missed for the time period and now there is a balance past due of XXXX. When I contacted Chrysler capital to ask why is there still a balance I was told it was because of interest and fees in association to the six payments put to the end of the loan. Confused. I questioned why isn't it considered paid in full because there have been no missed payments. And the response was interest and fees and the balance remaining is due in full and I am currently paying the same amount monthly of XXXX which was the original monthly payment and still being charged interest and late fees every month and a statement that says balance due XXXX and considered 41 days past due, and my XXXX credit score dropped XXXX points as Chrysler Capital has reported XXXX 30 days late. This loan has been the worst experience ever.
|
| 07/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hello, My current Auto loan is with Santander Consumer Finance. I have made my monthly payment above the origination amounts. The payments are not being applied correctly to the interest/principal columns.
Santader and I have has the account audit and rectified once already. I made my payment this month above the amount due and the same problem continues to happen they are applying funds incorrectly to interest/principal columns. This misappropriation is to their favor.
I told them I didnt want to go through this every month. I mentioned to them after speaking with the executive team of the office of the president and trying to rectifying internally that if it continues to happen I would file with the CFPB along with my Attorney group.
I have supporting documents as well as i assume their recorded phone conversations.
I've dealt with XXXX XXXX XXXX in the executive office. I've explained to them there was a problem with there system and appropriation of funds. They clearly acknowledged after adjusting accounts but we are continuting to have the problem.
|
| 03/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted Santander about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to Santander and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
|
| 11/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I previously submitted a dispute for Santander on my XXXX report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX Santander Consumer XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX Santanderconsumerusa XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful practices
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
|
| 07/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
During the pandemic I had to make a decision to either pay my car payment of $ XXXX monthly or pay my mortgage because Im a single mother of XXXX children. I decided to surrendermy vehicle to Chrysler Capital after numerous attempts to either lower my payments or refinance which they do not so I was receiving daily calls to make payment even through my job was uncertain. I explained my situation and asked why my balance in the beginning was around {$29000.00} and after three years of struggle to pay this huge car payment my balance barely ever decreased even when I was on time and continuously paying. Once I realize I couldnt afford the vehicle, the company towed the vehicle away. Some weeks later I got a letter about a auction to sell my vehicle during the absolutely worst economic time, they only received around {$6000.00} for my car. Then I received another notice stating actually the vehicle was junked for that balance Im not sure what really happened however the balance is still accruing causing my credit score to plummet from the rising unpaid balance.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Again I have issues with Chrysler Capital and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from Santander call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
|
| 08/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.
|
| 01/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.
|
| 12/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.
|
| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Its has been a struggle, with this company getting my XXXX refund back from Santander Consumer USA. XXXX sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX
|
| 12/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Santander was barred from illegal business practices in their recent settlement agreement with the attorney general. My current loan violates those terms. I signed a purchase agreement on XX/XX/20 with my fiance. The original terms were at XXXX percent interest and we both had credit scores in high 600 with no negatives. Twenty days later on XX/XX/20 the dealer XXXX XXXX in XXXX Arizona called to inform us they couldn't obtain financing and we had to sign new loan documents. After they had ran over 19 inquiries causing our credit scores to drop significantly. I was then told to go on the loan myself. The rate changed to XXXX percent. I told the finance manager there is no way I could afford that high of a payment I don't make enough. He stated it was too late the deal was already done. my income and expenses were never verified and I believe my application was altered to make their deal go through in order to profit from this predatory loan. In a matter of months I will end up loosing this vehicle as they intentionally planned which their history reflects.
|
| 01/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I purchased a vehicle from XXXX in XXXX. They sent my information to Santander Consumer USA. The loan started in XX/XX/XXXX for the first payment. In XX/XX/XXXX, I was wrongfully terminated from my employer and got behind on payments due to me not making the amount of income I was when I was employed. I made numerous contacts to Santander to ask them what were my options as I was very concerned about my credit and my co-signers credit. They didnt want to assist. I ran up credit cards trying to stay on track. Fast forwarding to XX/XX/XXXX, my car was stolen and taken to another State. I had full coverage insurance and Santander was paid off. Theyve added the amount they said I owe, over $ XXXX to my credit report which is impacting negatively for me and the co-signer. I was not $ XXXX behind on payments, maybe 2 payments behind since I was stressed, single mother, trying to work still and find transportation to get back and forth to work. I end up ultimately having to get another loan for another car. I dont feel that amount they say is owed is legitimate.
|
| 08/12/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly.
In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account.
I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.
|
| 07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a car from XXXX in XX/XX/XXXX. They utilized Santander, an XXXX authorized lender, for financing. Not making enough money working XXXX, I fell behind in my $ XXXX monthly payments. They repossessed my car in XXXX XXXX.
Santander was sued by a group of Attorney Generals ' and a settlement was agreed upon. As noted in the press release, " The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Todays settlement stems from a multistate investigation of Santanders subprime lending practices, which began in XXXX.
I meet the parameters for relief outlined in the Attorney General 's lawsuit yet, I was not included in the restoration of deleting the car from my credit reports nor refunding me the monies I paid in settlement ( {$5000.00} to XXXX XXXX XXXX ). I have called many times and all they continue to tell me that they do not know why I wasn't on the list.
|
| 09/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test?
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities?
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By Santander Consumer USA. Financial Forbearance was granted for 3-Months Santander Consumer USA, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, Santander Consumer USA, Reported to all three credit bureaus as 7-9, Late Payments.
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan.
Santander Consumer USA Also recently added {$750.00} In Collections Added to the Account.
This is Incorrect info to the car loan.
{$750.00} is from a old collections XXXX.
XXXX XXXX XXXX XXXX XXXX.
On XX/XX/2020 XXXX. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection XXXX.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed.
This Information was reported by ; XXXX Request Corrections to be made with XXXX.
|
| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee.
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back.
I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.
|
| 03/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On or about XX/XX/XXXX, a class action lawsuit settlement was announced by XXXX state attorneys general after a multistate investigation found Santander was engaging in subprime lending practices. Santander Consumer USA provided me with a car loan on or about { XX/XX/XXXX }. This car loan agreement contained unreasonable terms and was a product of unethical and dishonest business practices by Santander.
Given these facts, I request that Santander : I. remove late-payment and repossession information from my credit report.
II. forgive my repossession deficiency.
III. notify debt buyer/collection Agency to cease debt collection activity against me ; and IV. notify debt buyer to return any monies collected from me.
Other states have already ordered restitution from Santander to their affected constituents. I will give you 30 days from the date of this letter to provide the requested remedy or I will use all remedies available to me under the law to ensure that I am made whole.
Thank you for your anticipated voluntary cooperation in this matter.
|
| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering.
XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT
|
| 05/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I mailed in a payoff payment to the loan company on XXXX / XXXX / XXXX in the amount of {$23000.00}. The check was converted to an ACH transaction and cleared my bank, on XXXX / XXXX / XXXX . On XXXX / XXXX / XXXX , I received an email from the loan company thanking me for my payment of {$760.00}. When I called customer service, I was told that there was no record of my payoff payment, only the payment of {$760.00}. I was also told to call back later to check to see if my account had been credited the payoff amount. I did this 3 times. The last call I made, on XXXX / XXXX / XXXX , I was told that I needed to fax a copy of the ACH transaction to their Accounts department. Which I did, twice. The ACH transaction on my bank statement has the correct account number, and the full amount that I mailed in. As of today, XXXX , whenever I call the loan company, I get a recording saying to leave my name and number and they will call me back. When I look at my account on-line, it still does n't show my payoff payment being applied to the account.
|
| 09/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead.
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.
|
| 02/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
A billing error from the month of XX/XX/XXXX due to the payments not being correctly applied to the account from the months of XXXX XXXXAccording to XX/XX/XXXX statement the past due amount includent monthly payment XXXX, past due {$540.00} and late fees of {$140.00} reflects {$1200.00} due by XX/XX/XXXX. On XX/XX/XXXX I paid {$570.00} for XXXX and on XXXX I paid {$570.00} for XXXX payment. Total that is {$1100.00} XXXX also reported the month of XX/XX/XXXX as late but according to the transaction history the payment was made XX/XX/XXXX which is before the due date.
Lender has applied over 70 % of payment amount of all payments on auto loan in XXXX towards the principal instead of the both principal and interest.
For an example : Principal Interest XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} ( {$220.00} ) ( {$350.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$570.00} ) {$26000.00} -- ( {$570.00} ) - XX/XX/XXXX XX/XX/XXXX ( {$1700.00} ) {$26000.00} ( {$880.00} ) ( {$860.00} ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$570.00} ) {$27000.00} -- ( {$570.00} ) -
|
| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.
|
| 05/13/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX XXXX and would be catching up three payments one in XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.
|
| 05/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Reporting inaccurate and unverified information on my credit report that is harming my reputation as a consumer and ability to make necessary banking transactions. ( Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$22000.00} and amount of {$1100.00} past due allegedly owed to SANTANDER CONSUMER USA. Reporting alleged debt of {$3000.00} allegedly due to XXXX XXXX. Reporting alleged debt of {$420.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly due to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$100.00} allegedly due to XXXX XXXX XXXX who I have no written contract with. Reporting alleged collection from XXXX XXXX XXXX XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) stating that I owe Debt. Violations of 15 USC 1692d ( 1 ) using language that causes harm to my reputation as a consumer and is hindering my ability to conduct banking transactions. )
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA.
In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment.
I had made a total of 1 full payment at that point.
On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car.
I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it.
Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount.
I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.
|
| 12/16/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
This is the occurrence where Santander Consumer USA has contacted my job without my permission or disclosure of my workplace. They have researched my private information to obtain my work numbers at both XXXX NY Office ( months prior XXXX ) as well as XXXX XXXX XXXX today ( XXXX/XXXX/16 ). They have caused me great embarrassment by expressing they are calling to collect a debt while speaking to unauthorized individuals. They have provided false information to intimidate me into making a payment, stating that I will ruin my credit indefinitely and will not be able to get a loan again. ( in definite terms ; and providing credit assistance to further their goal of payment ). They have been uninformed since the accident of my vehicle claiming my car is to be repossessed never acknowledging there was no vehicle to repossess since it was a total loss. I have expressed that matter to them on numerous occasions. They have a towing companies call my personal number unnecessarily. Todays invasion is the last time I will endure their harassment silently.
|
| 07/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.
SANTANDER XX/XX/2015
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers.
I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. Santander truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report.
I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against santander I should try the CFPB.
I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have Santander Remove the loan from my report or report it accurately...
Santander Consumer Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Class action lawsuit of XXXX XXXX has been filed against them. I received a cease and desist letter. Santander said Im obligated to continue paying the loan. They will not contact me if they do any repossessing of the car or if I fall behind on payments. I request for a full audit of my account never received it but payment history. My loan expired on XX/XX/XXXX Im still paying for this vehicle. They have been reporting late payments on my credit report and I had file disputes. When Im paying more than whats due on bill. I am requesting payments I pay extra money to be place to principal they take whatever amount they want apply it to interest. Interest being charge everyday they is no grace period. On my payment history Im just being charged interest fees everyday not monthly payments.
I Purchased vehicle at XXXX. Loan 72payments, ,60 payments have been made, Purchase vehicle on XX/XX/XXXX, First payment XX/XX/XXXX, Balance of XX/XX/XXXX XXXX, 12 payments left on loan, Payment XXXX, Interest 26 %, Total Santander saying is due is XXXX.
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX I called Santander at XXXX PST to obtain the outstanding balance of all late payments and fees. The balance I was provided was {$770.00} and some change. That same day I made a payment of {$1400.00} to cover all outstanding amounts and make the payments for XXXX & XXXX XXXX {$310.00} each ). On XXXX XXXX I received an email receipt of the payment made and called to confirm that my XXXX payment was {$310.00}. I was notified by their automated system that the payment due for XXXX was {$410.00}. I called Santander to determine why and they stated the payment was not sufficient to cover all of XX/XX/XXXX payment. I asked for a detailed breakdown of payments, balances, late fees to prove their claim. What they provided did not answer my question but did result in additional questions.
Santander initially refused to stop Autodialed calls to my cell without written notification. Santander charges $ XXXX {$15.00} for online/phone payments.
Santander charges {$10.00} for late fee and another {$25.00} to delay a single months payment.
|
| 07/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.
|
| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), regarding credit reporting for a Santander Consumer USA Inc. ( Santander ) account. Thank you for allowing us the opportunity to address your concerns.
Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question.
In an effort to resolve this matter quickly, please provide us with additional information such as : the Santander account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB.
Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX.
Sincerely,
|
| 11/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to XXXX XXXX a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!
|
| 09/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been working for more than XXXX to have an account that has aged out be taken off my credit report. The credit bureaus seem to keep me in dispute without actually doing any investigation on its own and just taking this company 's word even when I show that it is wrong. They say they can not look back to see when a company reports an account delinquent. This account from Santander/Drive Financial has been on my report since with the first delinquency being reported in XXXX XXXX ( after I lost my job ) However, they now show a delinquent date of XXXX and have farmed the account to a collection agency ( XXXX ) which tells me that because they now have the account the clock starts over for that account. I have been told by both the credit bureau representatives that there is no such thing as a " consumer disclosure file which contains a comprehensive history of your credit information under FCRA Section 609 ( a ) ( 1 ). Please help me stop this company from circumventing the law for their gain, at the expense of the consumer. XXXX XXXX
|
| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I went XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to conduct a consumer credit transaction for a vehicle. I ended up being told I could only get a XXXX XXXX XXXX XXXXXXXX XXXX. XXXX5 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge should have been my only obligation owed for the XXXX XXXX. The finance charge came up to {$12000.00}. During the course me fulfilling my obligation to the loan holder Santander Consumer I fell upon hard times. I fell behind on payments and was unable to catch up. Even though i paid the finance charge plus more on XX/XX/XXXX my vehicle was repossessed by an unauthorized third party. On XX/XX/XXXX I received a letter from Santander Consumer stating they sold my vehicle and I still owed {$13000.00}.
|
| 09/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.
|
| 04/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G Section 809 ( B ). Numer ous Attempts through the XXXX XXXX XXXX XXXX were sent to SANTANDER CONSUMER USA, INC and a response was never received. SANTANDER CONSUMER USA, INC has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease. SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to validate a debt.
|